Free Checking
This is our most basic checking account and is ideal if you do not want to maintain a minimum balance and do not need your canceled checks returned. It offers unlimited check writing and your first order of duplicate checks is free.

Student Checking
This basic account, designed specifically to meet the needs of full-time students age 22 or younger, offers the benefit of unlimited check writing combined with no minimum balance requirements and no monthly service fees.

Regular Checking
If you desire all the benefits of a checking account, but want to keep a low balance on deposit, our regular checking account may be what you're looking for. Although this account does not earn interest, your checks are returned and it requires a much lower balance to be free of monthly service fees.

Senior Citizen Checking
As a privilege for our customers age 62 or older, we offer our Regular Checking account free of charge. Plus, you receive bank selected personalized checks at a 50% discount.

Account
Our Navigator Club Account offers you a package of excellent services for a very low monthly fee. In addition to free personalized checks, cashiers checks, money orders and travelers cheques, this account offers unlimited check writing and other benefits such as accidental death insurance coverage, exclusive vacation promotions, discounts at select hotels, restaurants and on car rentals, and discount tickets to attractions such as Arnolds Park, Fridley Theatres, and Adventureland.

Now Account
With a Now Account you get the best of both worlds. You have all the benefits of a checking account, and you earn a competitive rate of interest on your funds. Only a small average balance is necessary to avoid a service fee. See Current Deposit Rates

Reserve Checking
To improve your check writing flexibility and provide protection against overdrafts, we offer reserve checking. (This feature is not available on Free or Student Checking Accounts.)

Super Now Account
This account is designed for individuals or sole proprietors who carry a larger balance in their checking account and desire an interest rate competitive with a money market. Combine a higher yield with unlimited check writing and you have a great addition to your investment mix. This is a tiered interest bearing account so interest rates vary depending on account balance and are adjusted periodically based upon current market conditions. See Current Deposit Rates

Savings Account
Whatever your financial goals are, our regular savings account provides you with an easy way to build funds. As long as the minimum balance is maintained there is no monthly service charge, and beginning with your initial deposit, your funds will earn interest.

Health Savings Accounts
HSAs are an excellent way of paying for health care and saving money. They provide considerable tax savings while reducing health care costs. HSAs can also be used to supplement income at retirement ages 65 or higher or in case of disability.

Retirement Accounts
To provide you with extra retirement income in addition to social security and pension benefits, Farmers Bank offers Individual Retirement Accounts (IRAs). These are available with either fixed or variable rates and have deposit terms that vary in length. Plus, all of the interest earned on your retirement account is tax-deferred until it is withdrawn.

Money Market Account
This investment checking account is a great alternative to a regular savings account. It earns a more competitive rate of interest with the rates varying depending on current market conditions. This account is restricted in terms of the number of withdrawals that are allowed per month.

Certificates of Deposit
Farmers Bank offers a variety of highly competitive interest rates on Certificates of Deposit that allow you to plan and save to meet your short or long term financial goals. Our CDs have a fixed rate and have deposit terms that vary in length.

See Current Deposit Rates

At Farmers Bank, we realize how important it is for you to have 24-hour access to your accounts through ATMs. That is why we do not charge our cardholders any fees for any ATM transactions. We also are a member of the Shazam Privileged Status Network so you have access to an extended network of surcharge-free ATMs - over 1500 ATMs in 29 states. When you use an ATM, in addition to looking for the Shazam logo, look for the Privileged Status logo. It guarantees you won't pay a surcharge fee to complete your transaction.
Click here for a complete list of Privileged Status ATM locations.

ShazamChek Debit Card
ShazamChek is an electronic checking card that is accepted at over 12 million merchants worldwide. Even though it looks like a credit card, when you use ShazamChek for purchases, the funds are automatically withdrawn from your checking account. Whether you are running errands, buying groceries, or dining out, ShazamChek lets you pay without writing a check, showing ID, or waiting for check approval. Plus, ShazamChek has all the capabilities of an ATM card. You can use it worldwide to make withdrawals from your checking or savings account.

You'll have the opportunity to do things you've wanted to do all your life, in the company of friends and neighbors from right here in our own community.