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Checking

 

Farmers State Bank has a checking account for everyone’s unique financial situation, each with its own benefits. Our range of personal checking account products strive to meet everyone’s individual desires.

Free Basic Checking

For those who like to keep it simple, we have our Free Basic Checking Account set up with all of your basic features. With this account, you can save money by avoiding any service charges without a minimum balance. This is truly an account that seeks to only benefit you at no secret cost!

Interest Checking

Our Interest Checking Account is perfect for the benefit of having your funds available with a balance that bears interest over time. In an economic environment with historically low interest rates, we will give you our best competitive rate!

Super Interest Checking

The Super Interest Checking is an upgrade from our Interest Checking Account. Not only do these accounts incur higher interest rates than the Interest Checking Account, but consumers can also get refunded for up to $20.00 per month for withdrawals from foreign ATMs! Consumers not only get paid for maintaining their balance, but also get the bonus of not having to worry about the lack of a domestic ATM nearby!

Go Green Checking

We also have a Go Green Account for the environmentally-minded consumers who want to earn a little interest. All transactions on this account will be processed through a debit card as opposed to paper checks. The Go Green Account utilizes our internet banking for bill pay and bank statements every month. With everything done electronically, the transaction cost is reduced and convenience is increased for the consumer.

 

Checking At A Glance

An overview of checking options
 FREE BASIC CHECKINGREGULAR CHECKINGINTEREST CHECKINGSUPER INTEREST CHECKINGPIONEER INTEREST CHECKINGGO GREEN CHECKING
Opening Deposit$100$50$100$1500$2500100
Minimum Balance to obtain APY**N/AN/A$0$0$0$0
Minimum Balance to obtain APY**NoneFees apply if balance is less than $400Fees apply if balance is less than $500Fees apply if balance is less than $1500Fees apply if balance is less than $2500None Statements delivered electronically
APY**NoNoYesYesNoYes
ATM Processing Fees*Free withdrawals at FSB-owned ATM; $2.00 per withdrawal at non-FSB machines.Free withdrawals at FSB-owned ATM; $2.00 per withdrawal at non-FSB machines.Free withdrawals at FSB-owned ATM; $2.00 per withdrawal at non-FSB machines.Free withdrawals at FSB-owned ATM; $2.00 per withdrawal at non-FSB ATMs *** Nationwide ATM fee refunds for accounts with balance of $1500Free withdrawals at FSB-owned ATM; $2.00 per withdrawal at non-FSB ATMs *** Nationwide ATM fee refunds for accounts with balance of $1500Free withdrawals at FSB-owned ATM; $2.00 per withdrawal at non-FSB ATMs *** Nationwide ATM fee refunds for accounts with balance of $1500
Check Printing CostNo DiscountNo DiscountNo DiscountFree ICBA basic design checks: no discount on other stylesFree ICBA basic design checks: no discount on other stylesNo Discount
Online Bill PayNo ChargeNo ChargeNo ChargeNo ChargeNo ChargeNo Charge
Other BenefitsFree Shazam Check/Debit CardFree Shazam Check/Debit CardFree Shazam Check/Debit CardFree Shazam Check/Debit CardFree Shazam Check/Debit CardFree Shazam Check/Debit Card
 

*Does not include any applicable foreign ATM fees charged by the ATM owners.

**Annual Percentage Yield. These accounts have a variable rate feature that may be changed at our discretion. If balance of account falls below minimum, you may not obtain the disclosed APY. Fees may reduce the earnings on the account. Go Green Accounts qualify based on requirements met.

***Available on days balance is $1,500.00 or greater for Super Interest, Pioneer Interest and Go Green Checking accounts.

 
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