Personal Checking Accounts

Farmers Bank & Trust offers a variety of accounts to fit your individual banking needs.

Features available with all accounts!

  • Online Banking
  • Online Bill Pay
  • e-Statements
  • Mobile Banking
  • Phone Bank Teller
  • VISA® Debit Cards
  • Direct Deposit
 

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Accounts

SafeGuard Checking

SafeGuard+ Checking

Essential CheckingClub 50Club 50 NOW
Minimum Initial Deposit $100 $700 $25 $100 $700
Minimum Balance None $700 minimum or $1200 average collected balance None $100  $700 minimum or $1200 average collected balance
Monthly Charge $4.95 maintenance charge If drops below minimum balance, $5.95 service charge None with e-Statement enrollment, otherwise $2 service charge  If drops below minimum balance, $5 service charge If drops below minimum balance, $7.50 service charge

 

Free Special Member Checks No No No Two free boxes of special member wallet checks annually Two free boxes of special member wallet checks annually
Unlimited Check Writing Yes $0.30 per debit over 30 per statement cycle, if drops below minimum balance requirements Yes  Yes $0.30 per debit over 30 per statement cycle, if drops below minimum balance requirements
Interest Bearing No Yes No No Yes 
Age Requirements* None None

None
This service charge is waived if the primary account holder is under 18, until their 18th birthday.

Customer must be 50 or older to qualify Customer must be 50 or older to qualify
Free Money Orders & Cashier's Checks No No No Yes Yes 
Additional Account Benefits

Cellular Telephone Protection**

IDProtect®***

Cellular Telephone Protection**

IDProtect®***

None

Invites to local events

Invites to local events

*Accounts in minor's names will require an adult as a joint owner.

**Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Insurance Documents for complete details of coverage. Insurance products are not insured by FDIC or an Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

***IDProtect® service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. Service is not available to a "signer" on the account who is not an account owner. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household. Registration/Activation required.

Full terms and conditions are available at any of our branch locations.

Learn more about all the great e-Services from Farmers Bank & Trust.

Mobile Banking

Manage your money on the go with your mobile device

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Zelle®

Send money with Zelle

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Online Bill Pay

Pay bills with just a few keystrokes

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e-Statements

Go paperless to reduce clutter

Get Started