Personal Checking Reorder Personal Checks
You'll Enjoy Your Choice of Simple, Easy to Use, Affordable Checking Options Packed with Extras!
1 Available on personal accounts. Higher Yield paid on balances below $25,000. 10 non PIN debit card
purchases posted, one third party direct deposit, and access online banking at least once per cycle to qualify for the
higher rate and to waive the ATM Charges.
2 There is no annual fee for the ATM Card. A charge will apply each time a transaction is made at a
non-Farmers State Bank ATM.
Account holders with Overdraft Privilege enjoy the benefit of the bank paying or approving, at its discretion, check, ATM withdrawals and debit card purchases (debit cardholders would need to opt-in to get this coverage for purchases and ATM withdrawals) for you even if you have insufficient funds. This will help you even if you always keep enough money in your account because the unexpected can always happen; your payroll direct deposit may be delayed getting to the bank, a debit hold may be placed on your account, or you may need to cover an expense like a car tow.
Other ways to cover overdrafts include:
Link your savings account to your checking account. If you overdraw your checking, the bank will (sweep) transfer funds from your savings account to your checking account. The cost to you may be less than the cost for Overdraft Privilege.
Get your latest balances, find out which checks cleared, verify deposits and withdrawals, transfer funds, and even view pending transactions. It's free and available 24/7.
Access your checking account information from any touch-tone phone day or night by dialing 217-285-1818 or toll-free 800-364-5938. Check your balances, verify cleared checks, transfer funds, and track recent ATM and debit card transactions.
Debit Card/ATM Card
Enjoy 24 hour access to your account; make purchases any where VISA is accepted, at retail stores or online. It's accepted at millions of locations worldwide. The same card also serves as your ATM card which enables you to withdraw cash 24 hours a day 7 days a week.