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Personal Checking


My Way Checking

Our most popular personal checking account package. My Way Checking is the name associated with a package of services that conform to your busy lifestyle and gives you the freedoms you desire from your community bank. The My Way account features eStatements, a VISA debit card and unlimited check writing. Internet banking and On-Line Bill Pay are available to you 24 hours a day.

Limitations: You must deposit $100.00 to open this account.

Account Fees: A monthly service fee of $5 will be imposed unless one of the following criteria is met; (1) the account receives a monthly direct deposit and/or (2) the account maintains an average daily balance of $1,000 or more per statement cycle.

If you choose, you may receive paper statements with check images. However, there will be a $5.95 Paper Statement Fee per statement cycle assessed to the account. ***to avoid this charge, customers must elect to receive eStatements.



Second Chance Checking

Have you ever been denied a checking account due to past problems with Chex Systems? The Second Chance Account is for you. This account erases the inconvenience of not having a checking account and/or being forced to use fee-intensive alternatives. The Second Chance Account features eStatements, no minimum balance fees, a VISA debit card and unlimited check writing. Internet Banking and On-Line Bill Pay are available to you 24 hours a day.

Limitations: You must deposit $100.00 to open this account.

Account Fees: A monthly service fee of $10 will be imposed. There is a one-time set up fee of $25 at account opening.

If you choose, you may receive paper statements with check images. However, there will be a $5.95 Paper Statement Fee per statement cycle assessed to the account. ***to avoid this charge, customers must elect to receive eStatements.



Farmers Bank NOW Checking

For those individuals and unincorporated entities who want to earn competitive interest on their checking deposits. Interest is paid on all balances via a competitive rate structure.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day you deposit non-cash items (for example, checks). Interest will be compounded daily and will be credited to the account monthly. If the account is closed before interest is credited you will receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,500 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,500.00 to open this account.

Account Fees: A $10.00 monthly maintenance charge will be imposed if the daily balance falls below $1,500.00 any time during the month.



Farmers Bank Super NOW Checking

For those individuals and unincorporated entities who want to earn competitive interest on their checking deposits. Interest is paid on all balances via a competitive rate structure.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day you deposit non-cash items (for example, checks). Interest will be compounded daily and will be credited to the account monthly. If the account is closed before interest is credited you will receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $2,500 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $2,500.00 to open this account.

Account Fees: A $10.00 monthly maintenance charge will be imposed if the daily balance falls below $2,500.00 any time during the month.



Farmers Bank

200 North Main Street
Nicholasville, KY 40356
859.885.9481

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Internet Banking

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Go Green! Sign up for eStatements. It is EASY and FREE!
If you have questions or problems, feel free to contact Farmers Bank's Customer Service at 859.885.9481.

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