Farmers State Bank Personal Banking

Additional Services

Online Bill Pay

FREE Online Bill Pay

You can receive convenient bill reminders and pay all your bills from one secure web site -

With FREE Online Bill Pay You Can;

  • Pay any bill any time - even to individuals
  • Schedule one-time and recurring payments - days, weeks or months in advance
  • Control when and how much you pay
  • Track recent payments & view bill history from one convenient screen
  • Be assured that your payments will arrive on time - Guaranteed
As long as you schedule the transaction in accordance with Bill Pay's guidelines.

OnLine Bill Pay is FREE for Any checking account customer with Online Banking

Login to Online Banking to sign up for FREE Online Bill Pay »

Online Bill Pay

Debit Card

Enjoy 24 hour access to your checking account to make purchases anywhere VISA is accepted, at millions of locations worldwide; at retail stores or online. When used, the amount of your purchase is automatically deducted from your checking account. This same card also serves as your ATM card which enables you to withdraw cash 24 hours a day 7 days a week.

Use a debit card and be done in half the time it takes to use a check! Then you won't feel pressed for time and perhaps embarrassed because your check purchase takes too long for the 10 people waiting in line behind you while you write, show ID and record the purchase in your register.

When cash is lost or stolen, it's gone forever.

Use a debit card and there's no need to carry large amounts of cash. If you lose your debit card and someone uses it, no problem. Let the bank know the card was lost immediately and that you didn't use it, someone else did. It's called fraud when someone else uses your card. The bank will put your money back into your account right away and investigate the issue. Excellent fraud protection.

Two Excellent Reasons to Select Credit and Sign for Purchases

  1. When using your debit card to make purchases you can either choose credit and sign the sales slip or use your PIN. It's a safer, better practice to select credit and sign for the purchase. All fraud protection is gone when the PIN is used.
  2. Every "credit" purchase made with your debit card without using your PIN earns points that can be redeemed for exciting merchandise. This is called Debit Card Rewards.

No Fees or Charges for Making Purchases

There is no annual or monthly fee for the debit card. There are no costs for using your debit card to make purchases.

When the card is used to make withdrawals at an ATM, fees may apply.


e-Statements are a fast, easy and secure way to receive your monthly bank statement electronically - and paperless.

  • Easy to Access online
  • Reduce Clutter - no more filing, messy papers or shredding
  • Help the environment - you're saving trees
  • Faster and more secure than mailed statements
  • Recommended by identity theft experts - no chance of a stolen statement from the mailbox or if it's disposed of improperly
  • Looks exactly like your paper statements
  • Includes check images
  • e-Statements are FREE - Costs nothing to switch
    • View, save or even print your statement and check images
    • We'll send you an email notification to let you know your statements are available
    • Log into online banking to retrieve your statement
    • Security! Your e-Statements are stored on our secure server
    • Up to 12 months of statements online
    • e-Statements are in a pdf format. You will need Adobe Acrobat reader to view your e-Statement. Click on this link for a free download of Adobe Acrobat reader if you don't have it

Getting Started

Online Banking is needed to qualify for e-Statements.

  1. Click here if you already have online banking.
  2. Click here to sign up for online banking.

24 Hour Anytime Bankers

24 Hour BankingFarmers State Bank offers a 24 hour phone line where customers can obtain up-to-date account information. Customers can check account balances, transaction history, transfer funds, or check current rates.

Call 217-285-1818 or outside the calling area 1-800-364-5938.



ATM Locations

Farmers State Bank has 9 ATM locations for your convenience.  That's right, you can now receive cash 24hrs a day, 7 days a week from any one of our seven ATM locations.  Machines have been placed in Winchester, Jerseyville, White Hall, Hull and five locations in Pittsfield!

Automatic Loan Payment

You can have your loan payments automatically deducted from your checking account. You will never have to worry about forgetting a payment again. Talk to a Farmers State Bank Loan Officer to work out the details and see how easy the process can be!

Night Deposit

For your convenience, Farmers State Bank offers night deposit, which allows you to make secure deposits when the bank is closed. This service is offered at all locations and is free of charge.

Gift Card

Need a gift for a birthday, Christmas, Mother’s Day or graduation and you’re not sure what to buy?Get a gift card from Farmers State Bank and let them pick the ideal gift.Safer than cash, accepted in millions of places where credit cards are used. Denominations $10 to $1,000.Available at all locations.

Lock Boxes

Even with proper safety and security measures, your house may not be able to protect your valuables from fire, theft, or loss. Ensure their protection by placing them in a lock box available at most of our facilities.

Other Services

As our customer, you can receive additional services that add more value and convenience to your daily life. These services include:

  • Direct Deposit
  • Bank Drafts
  • Wire Transfers
  • Savings Bonds Redemption
  • Drive-up facilities with extended hours

Platinum Visa Credit Card

One card, many rewards, no annual fee.

More rewards choices that include cash, travel or merchandise. You choose. Low APR on purchases and balance transfers, Visa Platinum Rewards credit card.