Your financial needs are important to us and we want to help you achieve your financial goals. Whether you are looking to start your savings program or you are looking for a high-yield money market account, Farmers State Bank has the account for you.

HI-FI Investment Account

For savers who want to earn better interest rates on their deposits than a statement savings account.

If you're looking for a good high-yield investment account that earns interest, you've found it. This is for customers who keep high balances, do not need to make withdrawals and want to maximize the interest they earn. Plus, interest is compounded and credited monthly.


Your HI-FI Account includes:

• Minimum opening balance of $2,500
• $10 monthly balance fee if balance falls below $2,500
  or below the minimum average daily balance of $5,000
• Minimum withdrawal is $500
• Limit of 6 transfers to other accounts or third
  parties with preauthorization per statement cycle
• Free Telephone and Online banking
• Interest rate paid rises at each of the following
  balances: $10,000, $50,000 and $100,000
• Free FSB Mobile Banking*
• Free FSB SMS Text Banking*

Note: Other conditions and fees may apply.
The interest rates and annual percentage yields may change at any time.

*Msg/Data rates may apply. Mobile Deposit subject to approval.

Statement Savings

Savers who want to earn interest on their deposits and receive a monthly statement.

This is a flexible account that records monthly statement activity. Interest is posted to your statement savings each month. This account is perfect for individuals, families, minors, senior citizens and anyone wanting convenience and flexibility. The statement can be tied to a checking account statement for ease in reconciling accounts.


Your Statement Savings account includes:

• $50 opening deposit required
• $2 monthly balance fee if balance falls below $200; fee waived if over age 62, under age 18 or are a charitable organization
• Free Telephone and Online Banking
• Limit of 6 transfers to other accounts or third parties with preauthorization per statement cycle
• Must maintain a minimum average daily balance
  of $100 to obtain the disclosed annual percentage yield
• Free FSB Mobile Banking*
• Free FSB SMS Text Banking*

Note: Other conditions and fees may apply.
The interest rates and annual percentage yields may change at any time.

*Msg/Data rates may apply. Mobile Deposit subject to approval.

Christmas Club

This account allows customers to have a dedicated account to make steady deposits throughout the year.

It's never too early to start saving for the holiday season.  The Christmas Club account makes it easy.  A small regular deposit can grow into a substantial holiday fund.  In early October, we will direct deposit to your account or mail you a check in time to start your holiday shopping.

Your Christmas Club account includes:

• Minimum initial deposit $1
• No monthly maintenance fee
• No minimum balance required
• No monthly deposit minimum
• Direct deposit or check received in the fall for holiday shopping

Note: Other conditions and fees may apply.
The interest rates and annual percentage yields may change at any time.