At Farmers Bank & Trust, we have a checking account to fit your needs. Stop in or call us and let one of our friendly, trained professionals help you find the account that is best for your needs!
And remember, with any of our Personal Accounts, our Net.Access24 Online Banking and our Net.Pay24 Online Bill Pay products are free.
| Account Type | More Info | Minimum Opening Deposit | Maintenance Charge* | Minimum Balance | Interest Bearing |
|---|
| Access24-Telephone Banking | More» | None | Free | None | N/A |
Access24-Telephone BankingAccess24 Telephone Banking is a NO FEE service that provides you with around-the-clock, seven days-a-week, finger tip access to your account .
Check your account balance
Determine which checks have paid
Transfer funds between accounts
and much more
In Magnolia, call 235-7090 or outside of Magnolia, use our toll free Access24 line at 1-888-208-9604. |
| Ultimate Free Checking | More» | $100 | None | None | No |
Ultimate Free CheckingFor customers who want a NO FEE account with features unlike other free checking accounts.
- No Minimum Balance to Avoid Service Charge
- No Monthly Service Charge
- Unlimited Check Writing
- $100,000 Common Carrier Accidental Death Insurance
- Savers Club Discount Offerings
- Free Visa Check Card
- Free Net.Access24 Online Banking
- Free Net.Pay24 Online Bill Payment
- Free Access24 Telephone Banking
- Free Notary Service
- $300 Automatic Overdraft Privilege (begins approximately 30 days after account opening-if qualified)
- Click here to Apply for any of these accounts.
|
| A+ Checking | More» | $100 | None | None | No |
A+ CheckingFor students who want a NO FEE account with the freedom of unlimited check writing.
- No Minimum Balance to Avoid Service Charge
- No Monthly Service Charge
- Unlimited Check Writing
- Initial order of 50 duplicate checks is Free
- Free Visa Check Card
- Free Net.Access24 Online Banking
- Free Net.Pay24 Online Bill Payment
- Free Access24 Telephone Banking
- Free Notary Service
- $100 Automatic Overdraft Privilege (begins approximately 30 days after account opening-if qualified)
- Click here to Apply for any of these accounts
|
| Red Apple Checking | More» | $100 | None | None | No |
Red Apple CheckingFor certified teachers who deserve the luxury of complimentary checking.
- No Minimum Balance
- No Monthly Service Charge
- Unlimited Check Writing
- Free Visa Check Card
- Free Net.Access24 Online Banking
- Free Net.Pay Online Bill Payment
- Free Access24 Telephone Banking
- Free Notary Service
- Initial order of Red Apple checks is free (subsequent orders are at a discounted price per box of checks)
- $300 Automatic Overdraft Privilege (begins approximately 30 days after account opening-if qualified)
- Click here to Apply for any of these accounts.
|
| Every Day Hero Checking | More» | $100 | Free | None | No |
Every Day Hero CheckingIn appreciation of all that our Law Enforcement, Firemen and EMT do, we have designed an account especially for them.
- No Minimum Balance to Avoid Service Charge
- No Monthly Service Charge
- Unlimited Check Writing
- Free Visa Check Card
- Free Net.Access24 Online Banking
- Free Net.Pay24 Online Bill Payment
- Free Access24 Telephone Banking
- Free Notary Service
- Initial order of Every Day Hero checks is free (subsequent orders are at a discounted price per box of checks)
- $300 Automatic Overdraft Privilege (begins approximately 30 days after account opening-if qualified)
- Click here to Apply for any of these accounts.
|
| Regular Checking | More» | $100 | $6.00 if balance drops below $500.00 | $500 | No |
Regular CheckingA good old-fashioned checking account for customers who want the option of unlimited check writing.
- $500 Minimum Balance to Avoid $6 Monthly Service Charge
- Unlimited Check Writing
- Free Visa Check Card
- Free Net.Access24 Online Banking
- Free Net.Pay24 Online Bill Payment
- Free Access24 Telephone Banking
- Free Notary Service
- $500 Automatic Overdraft Privilege (begins approximately 30 days after account opening-if qualified)
- Click here to Apply for any of these accounts.
|
| Checking with Interest | More» | $1,000 | $10.00 if balance drops below $1000.00 | $1,000 | Yes |
Checking with InterestFor customers who need unlimited checking writing while earning interest on their entire balance.
- $1,000 Minimum Balance to Avoid $10 Monthly Service Charge
- Unlimited Check Writing
- Earn interest at a competitive rate on your entire balance.
- Free Visa Check Card
- Free Net.Access24 Online Banking
- Free Net.Pay24 Online Bill Payment
- Free Access24 Telephone Banking
- Free Notary Service
- $500 Automatic Overdraft Privilege (begins approximately 30 days after account opening-if qualified)
- Click here to Apply for any of these accounts.
|
| Blue Chip Checking | More» | $1,000 | $15.00 if balance drops below $10,000.00 | $10,000 | Yes |
Blue Chip CheckingFor customers who maintain higher balances and want to earn interest above market rate with the convenience of unlimited check writing.
- $10,000 Minimum Balance to Avoid $15 Monthly Service Charge
- Unlimited Check Writing
- Free Visa Check Card
- Free Net.Access24 Online Banking
- Free Net.Pay24 Online Bill Payment
- Free Access24 Telephone Banking
- Free Notary Service
- $500 Automatic Overdraft Privilege (begins approximately 30 days after account opening-if qualified)
- Interest rates are tiered based on your account balance:
| $100,000.00 and above |
Rate A |
| $50,000.00 - $99,999.99 |
Rate B |
| $25,000.00 - $49,999.99 |
Rate C |
| $10,000.00 - 24,999.99 |
Rate D |
| $0 - $9,999.99 |
Rate E |
|
*Maintenance charge is charged per statement cycle.
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Personal Checking
