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In addition to deposit, lending and 24-hour banking services, Farmers Trust & Savings Bank offers a wide range of other convenience services.


Account Balancing and Research

Do you need assistance locating an old statement or check copy? Are you having trouble figuring out why the monthly account reconciliation doesn’t balance? While many of these types of matters can be addressed through our Internet banking services, our customer service representatives will be happy to help. Fees for time and copies apply.

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Check Cashing

Check cashing services are provided in the main bank lobby and drive-up for both customers and non-customers. Fees apply for non-customers. Farmers Trust reserves the right to refuse to cash any check.

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Collection Services

Wouldn't it be great if every check you received was paid the first time through the system? Unfortunately, that is not always the case. Some checks are returned for insufficient funds or for other reasons. So what do you do to conveniently collect your money?

One method of attempting collection of those returned items is to bring the check to us for collection. We will send the check and a collection letter to the bank on which the check is drawn or hold it until funds are available if it is drawn on us. Typically we ask the bank to hold the check for 10 days to see if there are, anytime during that term, sufficient funds for the payment of the item. The bank holding the item will either return to us an official check if the item can be paid, or they will return the check to us at the end of the holding period.

Per item fees apply for this service. (Note: The receiving bank may also charge a fee for monitoring the account and issuing their official check.)

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Copy Machine / Fax Service

Farmers Trust can assist you with making copies or sending/receiving faxes. Fees apply.

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Gift Cards

Make gift giving EASY with a Farmers Trust gift card! Our prepaid Visa® Gift Card is the perfect gift for any occasion. A variety of popular designs is available. Gift Cards may be purchased from any of our lobby tellers. A minimal fee is charged for each card issued.

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Money Orders

Both Bank Money Orders and Personal Money Orders are available.

Personal Money Orders – Need a one-time check to pay a bill or to move money? Never send cash. Use a Farmers Trust personal money order instead. Personal Money Orders are a convenient, inexpensive and safe method of payment used by many of our customers. Personal Money Orders provide a valuable proof of payment. As the purchaser, you keep one copy of the Personal Money Order for your records. The payee-endorsed original, once paid, is kept at the bank for an extended period of time. If the Personal Money Order is lost, it may be easily replaced without hassle for just the cost of a stop payment order.

Personal Money Orders may be purchased from any of our lobby tellers in any amount up to $5,000. A minimal fee is charged for each item issued.

Bank Money Orders - A Bank Money Order (also known as a Cashier's Check) represents guaranteed funds and is the much safer equivalent of cash. The Bank Money Order is ideal anytime there is an exchange of ownership interests or property title for the purchaser's payment. Selling a car or boat? Before you hand over the signed and notarized title, make sure you get paid. Payment by cash is fine but not really safe. Payment by Bank Money Order may be a much better alternative.

Bank Money Orders from Farmers Trust are available to both bank customers and non-customers in exchange for cash or other guaranteed/collected funds.

A word of caution: Bank Money Orders are not subject to a stop payment order and replacement requires a lost instrument affidavit and may require a lost instrument bond from your insurance provider. These items should be treated with special care because they may be difficult to replace.

Bank Money Orders may be purchased from any of our lobby tellers. A minimal fee is charged for each item issued.

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Night Depository

For the safety and convenience of our customers, two 24-hour night depositories are available. One is located at the front entrance to the Bank on 510 Elm Street. The second is located in our Express Banking Center drive-up facility. Envelopes are provided for your use. For making larger deposits, visit a customer service representative to purchase vinyl zipper or locking bags and to secure a depository key.

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Notary Service

Notary services are provided to both our customers and non-customers. For your protection, we may require proper identification with a photo and signature. All information must be completed on the document being notarized; however, do not sign the document until you are in front of a notary public. If you are unsure about what information is required on a document, please contact your legal counsel for advice. A minimal per document fee applies.

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Reorder Checks

You have several options to reorder your Farmers Trust checks. You may submit your reorder form to any customer service representative and we will do it for you. Please let us know if any changes are required for your reorder. If no changes are necessary, you may link directly to Harland, our check vendor, and reorder yourself by clicking here. Placing your reorder directly through Harland will provide the quickest turnaround.

Reorder Your Checks Online.

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Safe Deposit Box

What would you grab if you knew a natural disaster would hit your home in five minutes? Besides your family members and pets, you would probably take items that are nearly impossible to replace. For example:

  • Adoption Papers
  • Automobile Titles
  • Birth Certificates
  • Citizenship Papers
  • Credit Card Numbers
  • Death Certificates
  • Divorce Decrees
  • Family Historical Info
  • Household Inventory
  • Insurance Policies
  • Investment Documents
  • Jewelry
  • Legal Documents
  • Military Records
  • Mortgages / Deeds of Trust
  • Passports
  • Patents & Copyrights
  • Rare Coins
  • Social Security Information
  • Wills

Protect your valuables and important documents from theft, fire, natural disaster, or prying eyes. We have a variety of sizes of safe deposit boxes for your convenience, and your annual rental fee may be auto-debited from your checking or savings account.

The Federal Deposit Insurance Corporation (FDIC) does not cover the contents of safe deposit boxes. A safe deposit box is only a secure storage space provided by the Bank. For box availability, stop in or call us at (319) 668-2525.

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Savings Bonds

U.S. Savings Bonds make great gifts and are an excellent way to save for the future!  To purchase or learn more about U.S. Savings Bonds, go to

You may redeem eligible bonds at Farmers Trust & Savings Bank.

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Stop Payment

If you have ever lost a check or if you have used a check to purchase a product or service that turned out to be misrepresented or defective, you know the importance of a Stop Payment Order. Call us as soon as you become aware of a problem, give us the necessary information, and we will add the stop payment order to our records. You may also place your stop payment order yourself using our Internet banking or TouchTone Express banking services.

There is a modest fee for each stop payment order requested. Any of our Customer Service Representatives can help you with this service.

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A savings account is an ideal way to segregate funds for a special purpose or for the future payment of a known expense. Our Sure-Save service helps your savings account grow systematically with automatic transfers from your checking account. Simply let us know how much you would like to transfer, what accounts the transfer should involve and how often you would like the transfer to happen.

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Time, Temperature & Weather

Our Time, Temperature & Weather community service keeps Iowa County residents informed of the current time, Iowa County area weather conditions and important Bank announcements and events. Call (319) 668-2255.

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Member FDIC
Member FDIC

Farmers Trust & Savings Bank

Equal Housing Lender
Equal Housing Lender