Small Business Account

A checking account built for small business success. Call your local branch for details or contact us.

Business Analysis

An account tailored to meet the varied needs of your partnership or corporation. An earnings credit may be applied to your average collected balance to reduce or eliminate the account analysis fees. Call your local branch for details or contact us.

Money Market Account

Earn attractive interest rates on excess deposits with easy access when funds are needed.

• Initial deposit of $1,000.00
• No monthly maintenance fee with a minimum balance of $1,000.00 or an average balance of $1,500.00. Otherwise, a $5.00 monthly maintenance fee applies.
• Limited to six convenient transfers* per calendar month, $3.00 service charge per item over limit

*Convenient transfers and withdrawals are defined as preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card, or similar order to third parties.

Savings Account

Set aside funds with an account that earns higher interest rates paid on increased balances.

• Initial deposit of $100
• No monthly maintenance fee with a minimum balance of $100.00, otherwise $3.00 maintenance fee per month.
• Limited to six convenient transfers* per month, $1.00 service charge per withdrawal thereafter

*Convenient transfers and withdrawals are defined as preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card, or similar order to third parties.

FDIC Insured Deposits

Accounts at Farmers Bank & Trust are insured up to the maximum allowed by the FDIC. Coverage is based on ownership of accounts. Contact our New Accounts representatives for assistance reviewing your insured assets. Use the FDIC's Electronic Deposit Insurance Estimator (EDIE) to estimate your current level of coverage.

If you need options for additional FDIC insurance coverage, we participate in Certificate of Deposit Account Registry Service (CDARS) and Insured Cash Sweep (ICS) programs. Visit our CDARS and ICS site  or contact us to learn more.

Beneficial Ownership Registry

Learn more about the new Beneficial Ownership Information (BOI) Reporting  requirements that go into effect for businesses on January 1st, 2024.

BOI Key Questions

BOI Filing Dates

BOI FAQs

Short BOI Introductory Video

Beneficial Ownership Informational Video

Small Entity Compliance Guide

Stay up-to-date as new information is released at https://www.fincen.gov/boi