All transactions after 3:00 PM or on Saturday will be posted on the following business day.

We also offer a wide range of check types for consideration, including duplicate checks.

Regular Checking

Designed to accommodate those customers needing a low cost, no interest personal checking account with no restrictions.

$100 Minimum deposit required

Average Daily Balance Monthly Fee
Over $750 -0-
$601-750 $7.00
$501-600 $8.50
$500 and under $10.00
Over 50 checks or debits $0.20 each

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Interest Checking

Designed for those individuals with larger balances that desire interest paid on the personal accounts.

$1,000 Minimum deposit required.

Average Daily Balance Monthly Fee
$1,000 and over -0-
$501 - $999 $10.00
$500 and under $15.00
 

No interest will be paid on average daily balances under $1,000.

Unlimited Transactions.


Interest Bearing Checking++
Rates Effective July 1 2011
Interest Rate
APY*
Minimum to Obtain APY
Required to open
Tier 1
0.150%
0.150%
$1,000.00
$1,000.00
Tier 2 $25,000.00
0.250%
0.250%
$25,000.00
$1,000.00
Tier 3 $100,000.00
0.350%
0.350%
$100,000.00
$1000.00
* APY = Annual Percentage Yield. The APY assumes funds will remain on the deposit a full year at the advertised rate.

++ At our discretion, we may change the interest rate and APY on the above listed account at any time. The interest rate and annual percentage yield may change after account opening.

Fees could reduce the earnings on the account

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Money Market Checking

Designed for those individuals with larger balances that desire interest paid on the personal accounts.

$1,000 Minimum deposit required

Average Daily Balance Monthly Fee
$1,000 and over -0-
$501 - $999 $12.00
$0 - 500 $15.00
 

No interest will be paid on average daily balances under $1,000.

No more than 6 transfers and/or withdrawals may be made from the account during the statement cycle by preauthorized or automatic transfer or by check, draft, debit card or similar order to a third party.


Money Market Checking++
Rates Effective July 1 2011
Interest Rate
APY*
Minimum to Obtain APY
Required to Open
Tier 1
0.15%
0.15%
$1,000.00
$1,000.00
Tier 2 $25,000.00
0.25%
0.25%
$25,000.00
$1,000.00
Tier 3 $100,000.00
0.35%
0.35%
$100,000.00
$1,000.00
* APY = Annual Percentage Yield. The APY assumes funds will remain on the deposit a full year at the advertised rate.

++ At our discretion, we may change the interest rate and APY on the above listed account at any time. The interest rate and annual percentage yield may change after account opening.

Fees could reduce the earnings on the account

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Student Checking

$50 Minimum deposit required

As recognition for your accomplishments, there will continue to be no monthly service charge for four years after your high school graduation.

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Free Checking

$100 Minimum deposit required

Includes these features and benefits:

  • No monthly service charge
  • Neither cancelled checks nor images will be returned with statements
  • First 50 checks free with paid check order

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Senior Checking

The Senior Account is for those individuals who are 60 years or more and includes these benefits:

$100 Minimum deposit required

Includes these features and benefits:

  • No monthly maintenance fee on non-interest bearing checking accounts
  • Receive interest from certificates of deposit monthly, quarterly, semi-annually or annually
  • No fee on travelers checks, personal money orders or copies (limit 10 copies per month)

The only requirement is that you have to sign up to receive the benefits.

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Advantage Checking

$100 Minimum deposit required

Includes these features and benefits:

  • No charge for copies (limit 10 per month), personal money orders, travelers checks or notary service
  • Lost key return
  • Credit Card registration
  • Discounts on travel and recreation
  • Emergency medical ID card

$10.00 monthly fee - All of these benefits plus $10,000.00 accidental death or dismemberment insurance.*

$12.00 monthly fee - All of these benefits plus $30,000.00 accidental death or dismemberment insurance.*

*NOTE: Insurance is not FDIC insured.

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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to and separate from the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit account.

For more information about temporary FDIC insurance coverage accounts, visit www.fdic.gov.

NOTICE: *Stocks are not FDIC insured and may lose value. Farmers National Bank is not responsible for and has no control over
the subject matter, content, information, or graphics of the web sites that have links here. The portal and news features are being
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