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Simply Free Checking AND A FREE GIFT! Ask for details!

Life-Stage Solutions

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CHECKING ACCOUNTS

What's the easiest way to manage your money? Let us count the ways. Your life is busy. Your needs are unique. At Farmers State Bank, we can help you simplify. We've created four different checking accounts - Simply Free Checking, Direct Interest Checking, 50 Advantage Interest Checking and Premier Interest Checking - so you can choose the product that's right for your lifestyle.  Each account offers it's own unique benefits and each is FDIC insured.  Even better, open a new checking account and receive a FREE Gift!

Common features for all personal accounts:

  • FREE Mastercard® Debit Card
  • FREE Telephone Banking
  • FREE Online Banking
  • FREE Bill Pay
  • FREE Mobile Banking*
  • FREE eStatements with online check images
  • FREE Thank You Gift**
  • Buy Back of your unused checks and old debit cards from another financial institution***

*Msg/Data rates may apply.

**We reserve the right to substitute a gift of similar value.  Free gift provided at the time of account opening.

***Up to a total of $10 for any combination of checks and debit cards from another financial institution given at the time the checks/debit cards are presented.       

Simply Free Checking

A FREE account for everyone!

  • No minimum balance
  • No monthly fee
  • No per check charge
  • FREE return of check images upon request
  • Minimum opening deposit is only $50

Other fees such as non-sufficient funds, overdrafts, etc. may apply. 

Direct Interest Checking

Earn interest with the convenience of direct deposit or any automatic payment!

  • Competitive interest
  • No minimum balance
  • No monthly fee
  • No per check charge
  • Minimum opening deposit is only $50


Other fees such as non-sufficient funds, overdrafts, etc. may apply.

50 Advantage Interest Checking

A perfect account for customers 50 and better!

  • Competitive interest
  • No minimum balance     
  • No monthly fee
  • No per check charge
  • Minimum opening deposit is only $50

Other fees such as non-sufficient funds, overdrafts, etc. may apply. 

Premier Interest Checking

An account for those interested in higher interest!

  • FREE standard checks
  • Higher interest rate with a balance of $1,500 or more
  • Competitive interest if balance falls below $1,500
  • Only $6 monthly fee if average balance falls below $1,500
  • No per check charge
  • Minimum opening deposit is only $50