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Personal Checking Accounts

GenGold® Checking 
Interest Checking 
Heritage Club Checking 
Heritage Club GenGold® 
A good choice for: 
Saving money and adding value with more than 60 lifestyle benefits and services 
Earning interest on your checking account. 
Heritage Club Members.¹ 
Heritage Club Members¹ who want the added value of GenGold® benefits. 
Minimum to Open: 
Service Fees: 
Maintenance fee of $6  per statement cycle.  
Fee waived for ages 23 and under, E-Statement required. 
90-day FREE trial offer (after account opening). Ask us for details! 
Minimum balance fee of $8per statement cycle applies if the average daily balance is below $1,000.   
Minimum balance fee of $4 per statement cycle if the average daily balance is below $5,000.  
90-day FREE trial offer (after account opening). Ask us for details! 
Tiered, variable rates 
Tiered, variable rates 
Tiered, variable rates 
Additional Features: 
- Identity Theft     
  Protection & Security    
- CashBack Rewards      
- GenGold® Benefits 
- Complimentary club  
  checks (limited to  
  150 checks per 12- 
  month period)² 
- Welcome pack of  
  20 checks² 
- Free Heritage  
  Club Checks² 
- Discount on safe   
  deposit box 
- No fees on cashier's  
  checks, photocopy  
  and lamination 
- Identity Theft  
  Protection & Security 
- CashBack Rewards      
- GenGold® Benefits   
Convenience Services 
ATM/Debit Card*, Direct Deposit, Reserve Checking option**,FREE E-Statement, FREE NetTeller Online Banking, FREE Online Bill Payment, FREE Mobile Banking (cellular provider rates may apply), FREE Mobile Text Alerts and FREE Touch Tone Banking.   
*Subject to credit approval. ** Reserve Checking is a line of credit for qualified checking account customers to automatically cover overdrafts up to the approved credit limit.  
¹ Heritage Club membership qualifications: age 53+ with $1,500 or more in Farmers Bank checking or savings account OR $5,000 or more in Farmers Bank certificates of deposit. Heritage Club Checking limited to one account per household.  
² Complimentary or free checks include single/wallet-style checks. Duplicate-style checks are $5.00 per box. 

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