Checking Accounts Made Simple
Whether you need an account for everyday spending, saving money, or teaching your children smart financial habits, Farmers Savings Bank has an option for you.
Check out the table below to see your options, then fill out the form at the bottom of the page to get started on your new account. Still not sure which option is right for you and your financial situation? Call our team today or stop by one of our locations to talk to a team member in person.
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Choose the Account That's Right for You
| Account | Good fit for | Monthly service charge / balance requirement | Interest | Key account features | Opening deposit | Notes |
|---|---|---|---|---|---|---|
| STAR Checking | Customers who actively use their debit card and want to earn premium interest | No minimum monthly balance required | Premium interest paid monthly when qualifications are met; balances earn the stated STAR Checking rate structure when requirements are satisfied | Requires 15 debit card purchases per statement cycle, at least one direct deposit or automatic withdrawal, and e-Statements to qualify for premium interest rate | $100 | Consumer deposits only; limit one STAR Checking and one STAR Savings per Social Security number; early closure fee applies if closed within 6 months |
| Regular Checking | Customers, small businesses, community organizations, and local clubs that want standard checking features | No activity service charge if an average daily balance of $700 is maintained throughout the statement cycle | None | Free Bankline, Internet Banking, e-Statements, Mobile Banking1, and Online Bill Pay | $100 | |
| NOW Checking | Consumer customers who want checking access with monthly interest | No monthly service charge when maintaining a $1000 daily balance | Interest paid and credited monthly | Free Bankline, Internet Banking, e-Statements, Mobile Banking1, and Online Bill Pay | $1000 | Consumer accounts only, including not-for-profit entities and sole proprietorships |
| Hi-Fi Checking | Customers who maintain higher balances and want a money market-style account with interest | No monthly service charge when maintaining a $2,500 daily balance | Interest paid and credited monthly | Free Bankline, Internet Banking, e-Statements, Mobile Banking1, and Online Bill Pay | $2500 | Limited to six debits per month by check, withdrawal, or transfer |