Regular Checking
Regardless of your balance or the number of checks you write, there is NO CHARGE for an active regular checking account. We send an Image Statement to you each month with your checks sorted in numeric sequence for quicker statement reconciliation. If you prefer, we will notify you by email when your statement is ready so you can download a copy from our secure website! Your account can also be set up for overdraft protection with an automatic transfer from another account when funds are needed. There is no charge for this service. The minimum balance required to open a regular checking account is $100.00.

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Business Checking
Identical to our regular checking, we offer you many styles and designs of checks to suite your business needs. Bookkeeping will be a snap with our easy-to-read Image Statements which you can receive as often as twice a month.

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NOW Account
A checking account that earns interest! Interest accrues based on your daily balance and is paid to your account monthly. The minimum balance to avoid a $5.00 service charge is $1,500. Check our current rates and Terms and Conditions for more information.

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Passbook Savings Account
There is no minimum balance requirement for maintaining an active passbook savings account. Interest accrues based on your daily balance and is paid to the account quarterly. An Image Statement is also available each quarter for you to receive by mail or download from our secure website . Unlimited transactions can be made in person. Preauthorized, automatic or telephone transfers are limited to 6 per month. The minimum balance required to open a passbook savings account is $50.00. Check our current rates and Terms and Conditions for more information.

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Christmas Club Savings
We will send you a check each November to do your holiday shopping! Deposit to this account throughout the year and earn our savings rate. No minimum balance required and interest is paid annually. Check our current rates and Terms and Conditions for more information.

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Bee A Saver
Children's Savings

For children age 12 and under, this savings program makes saving fun! Open your account with $5.00 and the bank will put in $5.00 too! Every time you deposit, select a special prize from the basket, and don’t forget to register for the special monthly drawing open to all children. Check our current rates and Terms and Conditions for more information.

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Money Market Account
Interest accrues daily and is paid to your account monthly. Transactions are limited to 6 per month. A $5.00 monthly service charge will be charged if your balance falls below $2,500. Check our current rates and Terms and Conditions for more information.

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Certificates of Deposit
For as little as $500, your money can earn a higher rate of return with one of our certificates of deposit. Rates vary according to maturities. Substantial penalty for early withdrawal. Check our current rates and Terms and Conditions for more information.

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Individual Retirement Accounts
Secure your future with a traditional IRA, self employed pension (SEP), ROTH IRA or Coverdell savings account for your student. These funds earn a special 12 month retirement account rate. Check our current rates.

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ATM / Debit Card
Use the Farmers National Bank check card like a credit card, but your purchases and withdrawals are paid directly from your checking account. There’s no bill to pay later. Accepted worldwide wherever you see the Visa logo. There is no charge to receive or use this card; however, you may be charged a small fee for cash withdrawals at an ATM.

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