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banking needs are our priority! Our deposit products and services
include many options and features, all designed to make your money
easier to manage in today’s busy lifestyle.
Stop in at Farmers Trust and visit with our customer service representatives.
They will help you find the products and services to best suit your
needs.
This versatile account does it all! Available to individuals for
personal, family and household purposes. Benefits include:
Interest bearing checking that allows you to earn interest on all
of your money. Available to individuals for personal, family and
household purposes. Also available to qualifying organizations*.
Benefits include:
- FREE Online
Express and TouchTone Express banking services
- OVERDRAFT
DEFENDER privilege with $500 limit for individual
accounts
- IMAGE STATEMENTS
available by mail or e-mail
- ATM Access available with ATM, SHAZAMChek
or PhotoDebit card
- SURCHARGE FREE ATM Access at Privileged
Status ATM’s
- $100 opening balance required
- $1,000 Accidental death insurance benefit for
individual accounts
- Unlimited check writing
- Competitive rate of interest paid on collected
balances.
* - Sole proprietors, non-profit organizations, certain fiduciary
relationships and governmental units. Contact us to determine if
you qualify.
Designed especially for Sole-Owners, Partnerships, Corporations
and Limited Liability Corporations. Flexible service charge arrangements
based on account activity. Benefits include:
- FREE Online
Express and TouchTone Express banking services
- IMAGE STATEMENTS
available by mail, e-mail or for pick-up
- FREE night depository service
- Accounts with high deposit and check writing
activity qualify for account analysis “earnings credit”
based on the balance of the account available for investment.
This earnings credit is used to offset monthly account activity
expenses.
Our savings account provides you a competitive rate of interest
and easy access to your money. Our SURE-SAVE feature allows you
to automatically transfer any amount you choose from your checking
account on any on any regular frequency convenient for you. Whether
you start small or already have a nest egg, our savings account
will give you the liquidity you want and the safety you expect.
Available to both individuals and business. Benefits include:
- FREE Online
Express and TouchTone Express banking services
- No monthly maintenance fee when Daily Balance
Requirements maintained.
- Three(3) FREE withdrawals per month.
- ATM Access available by ATM, SHAZAMChek
or PhotoDebit card (checking account required for SHAZAMChek
and PhotoDebit cards)
- $100 opening deposit requirement.
- Flexible statement options allow you to receive
quarterly (monthly with electronic activity) statements or have
your statement combined on your monthly checking account statement.
Statement can be received via mail or e-mail.
- Competitive rate of interest earned on all
balances. Interest is paid quarterly (or monthly when your savings
account is included on your monthly checking account statement).
Available to children and young adults under the age of 18. This
account features all the benefits of our regular savings account
but has no Daily Balance Requirements.
Designed for those seeking greater returns, our Liquid Investment
Account is an excellent investment vehicle offering a higher rate
of return on your money with the safety, liquidity and convenience
of a savings account. Benefits include:
- Available to both individuals and businesses.
- Six interest rate tiers allow you to earn a
greater return by consolidating funds from multiple sources in
this flexible account. Interest is paid monthly.
- Two (2) FREE withdrawals per month.
- FREE Online
Express and TouchTone Express banking services
- IMAGE STATEMENTS
available by mail or e-mail.
- $5,000 opening balance required.
- Service fee may apply if account balance and
transaction requirements are not maintained.
A Certificate of Deposit is an excellent form of investment for
money you don’t need today. Our Certificates of Deposit offer
a competitive, guaranteed rate of interest and the safety of a federally
insured deposit. Benefits include:
- Available to both individuals and businesses.
- $1,000 minimum opening balance.
- Three (3) interest rate tiers offer greater returns for larger
deposit balances.
- Flexible terms from 3 months through 5 years. Substantial penalty
for early withdrawal.
- Interest payment options include:
- Compounding (adding to your Certificate)
- Payment by check
- Deposit directly to another Farmers Trust checking or savings
account
- Automatic renewal feature gives you the flexibility to renew
at the current annual percentage yield without making a trip to
the Bank.
Individual Retirement Accounts (IRA's) were originally designed
as a plan set up for the benefit of a person to save for retirement.
Although IRA's are an excellent tool for retirement, the original
design has been expanded to also allow saving for education, medical
expenses, or a first-time home purchase. Unlike most investments,
depending on the type of IRA you choose, contributions may be tax
deductible and earnings will grow either tax-deferred or tax-free.
We offer Traditional, Roth, and Coverdell Education Savings Accounts
(formerly Education IRA's). All of our accounts offer:
- No Set-Up Fee
- No Annual Fee
- No Minimum Opening Deposit
- Variable Rate 18 Month Term Investment
- Penalty For Early Withdrawal
- FDIC Insured
It is important that you discuss your retirement needs with your
tax advisor. When you determine which plan is right for you, contact
a customer service representative to establish your IRA.
U.S. Savings Bonds make a great gift and are an excellent
way to save for the future! You may redeem eligible bonds or purchase
new Series EE and I Bonds at Farmers Trust & Savings Bank. To
learn more about U.S. Savings Bonds go to www.savingsbonds.gov.
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