Checking Accounts

Totally Green Checking Account

This is a basic no service charge checking account for someone who will not maintain a high balance, does not want to maintain a minimum balance and does not want interest.

Features

  • Minimum amount to open – $100
  • No monthly service charge
  • Unlimited check writing.
  • E-statement required**
  • Check printing cost varies with style chosen.
  • Free online banking, web bill pay and mobile banking.
  • Debit Card with Farmers Rewards**
  • MoneyPass Network

Additional Information

  • ATM or debit card available with approved application.
  • Instaline line of credit is available with approved application. Refer to Instaline guidelines for complete information and service fees.
  • Refer to account brochures and disclosures for full details.
View Terms and Conditions of Deposit Accounts (PDF)

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Bonus Checking

Features

  • Earn 1.50% APY on the first $15,000, when you meet account requirements
  • No monthly account service charge with daily balance of $100 or more
  • $100 minumum balance to open
  • MoneyPass Network
  • E-statement**
  • Unlimited check writing
  • Free online banking, web bill pay and mobile banking.
  • Debit Card with Farmers Rewards**

Additional Information

Variable rate currently 1.50% APY (Annual Percentage Yield) on the first $15,000 for qualified accounts (1 electronic direct deposit or automatic debit, make at least 10 purchases with your debit card, agree to receive your statement electronically.) Otherwise the rate will be 0.02% APY. A $5.00 per month service charge will occur if the daily balance falls below $100 anytime during the month.

View Terms and Conditions of Deposit Accounts (PDF)

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Platinum Checking Account

Features

  • Minimum amount to open – $100**
  • Interest paid on the following account balances:
    • 0.50% on balances up to $249,999
    • 0.20% on balances of $250,000 and above
  • No monthly service charge with daily balance of $2,500 or more**
  • $15.00 per month if the daily balance falls below $2,500 at any time during the month
  • Unlimited check writing.
  • Debit Card with Farmers Rewards**
  • Online Banking/Telephone Banking
  • Online Bill Pay
  • Mobile Banking
  • E-statement Available**
** Refer to Account Disclosures for current service charges and fees.

View Terms and Conditions of Deposit Accounts (PDF)

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Classic Checking

This is a basic non-interest bearing account with no monthly service charge IF a minimum monthly balance is maintained.

Features

  • $100 minimum balance to open
  • No monthly account service charge with daily balances of $600 or more**.
  • Unlimited check writing.
  • Monthly paper statement with printed check images – E-statements available
  • Check printing cost varies with style chosen.
  • Free online banking, web bill pay and mobile banking.
  • Debit Card with Farmers Rewards**
  • MoneyPass Network
** Refer to Account Disclosures for current service charges and fees.

Additional Information

  • ATM or debit card available with approved application.
  • Instaline line of credit is available with approved application. Refer to Instaline guidelines for complete information and service fees.
  • Refer to account brochures and disclosures for full details.
View Terms and Conditions of Deposit Accounts (PDF)

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Premier Interest Checking

This is an interest bearing account with no monthly service charge IF a minimum monthly balance is maintained.

Features

  • Minimum amount to open – $1,500
  • No monthly account service charge with daily balances of $1,500 or more
  • Tiered interest rate based on daily balance, subject to change monthly based on market conditions.
  • Unlimited check writing.
  • Monthly paper statement; E-statement available.
  • Check printing cost varies with style chosen.
  • Free online banking, web bill pay and mobile banking.
  • Debit Card with Farmers Reward**
  • MoneyPass Network
** Refer to Account Disclosures for current service charges and fees.

Additional Information

  • ATM or debit card available with approved application.
  • Instaline overdraft protection is available with approved application.
  • Refer to rate charts and account disclosures for full details.
View Terms and Conditions of Deposit Accounts (PDF)

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Farmers 50 Advantage Checking

Features

  • $100 minimum balance to open
  • No monthly service charge with a $100 minimum daily balance or more.
  • Interest on Checking – Account will earn interest on the daily amount of principal when you maintain a $1,500 minimum balance.
  • Unlimited Check Writing
  • Complimentary Farmers 50 Advantage Personalized Checks; $1.99 shipping/handling per box**
  • Free online banking, web bill pay and mobile banking.

Additional Information

  • Overdraft Protection – Add on a line of credit to your checking account for overdraft protection, upon credit approval.
  • Direct Deposit Available
  • Annual Insurance Consultation Receive a complimentary annual insurance consultation with one of our Farmers National Insurance Specialists.
  • Complimentary Investment Consultation Receive a complimentary quarterly investment consultation with one of our Farmers National Investment Specialists.
  • No fee safe deposit box, 3” x 5” size box at no charge for one year. Subject to availability at all locations.
  • Certificate of Deposit Special Rate Bonus (See personal banker for details.)
  • Installment Loan Rate Special (See branch manager for details.)
  • Notary Service
View Terms and Conditions of Deposit Accounts (PDF)

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InstaLine

Account Type

Line of credit attached to personal checking account. This line of credit is attached to the customer’s checking account as overdraft protection or can be used as needed just by writing a check that would overdraw the account.

Features

  • Advances in increments of $100 to cover overdrafts on the checking account.
  • 13.99% fixed annual percentage rate
  • Fee of $30.00 assessed annually
  • Over the credit limit fee $10.00
  • Statement of amount due is sent with monthly checking account statement
  • 5% of current balance due monthly, minimum payment of $10.00
View Terms and Conditions of Deposit Accounts (PDF)