Personal Checking Accounts

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

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Features available with all accounts!

Personal Checking Accounts

 

SafeGuard Checking

SafeGuard+ Checking

Essential Checking

Club 50

Club 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 Maintenance Fee

$4.95

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

$.30 per debit over 30 per statement cycle, if drops below minimum balance requirements

 Yes

Yes

$.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

Fee waived for customers under age 18

Customer must be 50 or older to qualify

Customer must be 50 or older to qualify

Free Money Orders

No

No

 No

Yes

Yes

Additional Account Benefits

Cellular Telephone Protection**

IDProtect®***(Registration/Activation Required)

Cellular Telephone Protection**

IDProtect®***

(Registration/Activation Required)

 None

 

 Free Cashier's Checks

Invites to local events

 Free Cashier's Checks

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 identitiy theft protection service available to personal checking account owner(s), their joint account owners and their eligible family memebrs. Service is not availale to a "signer" on the account who is not an account owner. Family includes: Spouse, persons qualifiying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.

Switch Kit

We know that switching bank accounts seems like a daunting task but we have simplified the process! We want to make your move to Farmers Bank & Trust as hassle-free as possible. You won't even need to visit your previous institution with our easy-to-use Switch Kit. As always, your Farmers Bank & Trust representative will be glad to assist you with this process.

 

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

Icon Phone Banking 

Mobile Banking

Manage your money on the
go with your mobile device

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Online Bill Pay

Pay bills with just
a few keystrokes. 

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Online Banking

Instant access to your
accounts 24/7

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E-Statements

Go paperless to
reduce clutter