SafeGuard Checking

Safe. Secure. Convenient.

Farmers Bank & Trust's accounts provide personal protection and peace of mind. Our SafeGuard and SafeGuard+ accounts feature valuable financial aspects PLUS IDProtect®, and Identity Theft Monitoring and Resolution Service.

SafeGuard Checking

  • No Minimum Balance
  • Unlimited Check Writing
  • IDProtect®1 (Registration/Activation Required)
  • Cellular Telephone Protection2
    • Cellular telephone bill must be paid using eligible account
  • All for a $4.95 monthly maintenance fee

Open Account

SafeGuard+ Checking

  • Competitive Tiered Interest Rates
  • IDProtect®1 (Registration/Activation Required)
  • Cellular Telephone Protection2
    • Cellular telephone bill must be paid using eligible account
  • $700 minimum daily balance or $1200 average collected balance to avoid a $5.95 monthly maintenance fee
  • $0.30 per debit over 30 per statement cycle, if drops below minimum balance requirements

Open Account

IDProtect®1 - Identity theft protection service for you, your family, and joint account owners

Identity Fraud Expense Reimbursement Coverage3

Receive up to $10,000 to help pay expenses, clear your name and repair damaged credit, should you become the victim of identity fraud.

Comprehensive Identity Theft Resolution Services

A dedicated fraud specialist assigned to manage your case. Experienced recovery professionals will handle the recovery process until your identity is restored.

Debit and Credit Card Registration

Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. (Registration/activation required)

3-in-1 Credit File Monitoring4 IDProtect will monitor your Equifax, Experian and TransUnion credit files daily, and automatically alert you if key changes occur.
(Registration/activation required)
3-in-1 Credit Report Request an updated credit report every 90 days or upon receipt of alert. Each new report includes an updated single bureau credit score. Credit Score is a VantageScore 3.0 based on Equifax data. Third parties may use a different type of credit score to assess your creditworthiness. (Registration/activation required)
Total Identity Monitoring Monitoring of over 1,000 databases including credit, Social Security, public records, real property records, telephone and many others. (Registration/activation required)
Online Identity Theft News Center and Valuable Phone and Web Resources (Registration/activation required)

Enjoy convenience with the IDProtect Mobile app!

The app may be used on your smart phone and any of your other mobile devices. Just go to your App Store and search for IDProtect and follow the easy steps to download. After you have downloaded the App, enter in your username and password.* Now you have it all at your fingertips!

*You must be registered online to access the Mobile App. To register online visit and enter your access code. Once registered, you can download the App - and use your log in and password.

Cellular Telephone Protection2

Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. Maximum of two claims per year. Covers the first three phones on a cellular telephone bill paid through your checking account. Cellular telephone bill must be paid using eligible account.

1IDProtect service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). 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.

2Special 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 any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

3Identity Theft Expense Reimbursement Coverage to cover expenses associated with restoring your identity, such as reimbursement for costs associated with attorney fees, loan application fees, long distance calls, certified mail and notarized fraud documents, medical record costs, costs for daycare and elder care, travel and accommodations, as well as coverage for wages lost for time taken off work to correct personal records.

4Credit file monitoring from Experian and TransUnion will take several days to begin following activation.

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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Send money with Zelle

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Online Bill Pay

Pay bills with just a few keystrokes

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Go paperless to reduce clutter

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