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Personal Checking


Freedom Checking

Our most popular personal checking account package. Freedom 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. Convenience, no fees, and customer service are important to us, because they are important to you. The Freedom Checking account features no monthly minimum balance service charge, a VISA debit card and unlimited check writing. Internet Banking, On-Line Bill Pay, and On Call (telephone banking) are available to you 24 hours a day.

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

Account Fees: There is no minimum balance requirement on the account.



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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If you have questions or problems, feel free to contact Farmers Bank's Customer Service at 859.885.9481.

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