Business Accounts

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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 collected* 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

*The average collected balance method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.

**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.