Checking Accounts
Better Than Ever Checking	Checking for Non-Profit Organizations
Simply Free Checking	Business and Commercial Checking
Student Checking	Visa Check Card (Debit Card)
Interest Bearing Checking Accounts
Better Than Ever Gold Checking	Money Market Deposit Account
Regular N.O.W.	Simply Free Interest Checking
Super N.O.W.
Savings, Certificates of Deposit, and Individual Retirement Accounts
Statement Savings Account	Individual Retirement Accounts (IRA's)
Student Statement Savings Account	Certificates of Deposit
Christmas Club Accounts	Super Savings Account

Better Than Ever Checking
$200.00 Minimum Opening Balance No Minimum Daily Balance Unlimited Check Writing Privileges FREE Personalized Better Than Ever Checks Everyday Rebate Rewards and Cash Rewards Accidental Death and Dismemberment and Common Carrier Insurance Unlimited Farmers Bank and Trust Company, Marion and Salem, KY ATM Transactions Payment Card Protection Savers Club Benefit Monthly Membership Fee - $7.00
Simply Free Checking Account
$200.00 Minimum Opening Balance No Minimum Daily Balance Unlimited Check Writing Privileges Choice of Electronic Statements or Truncated Statements Visa Check Card Available Free (subject to credit approval) Toll-Free Farmers ACCESS Line Unlimited Farmers Bank and Trust Company, Marion and Salem, KY ATM Transactions
Student Checking Account
No Minimum Opening Balance No Minimum Daily Balance Generous Check Writing Privileges* Unlimited Farmers Bank and Trust Company, Marion and Salem, KY ATM Transactions
Individuals eligible for a Student Checking Account are: 1. enrolled full-time at  a. an elementary school,  b. a secondary school,  c. a post-secondary school; and 2. single or married (if both individuals meet the eligibility requirements of item number 1 above). It is the responsibility of the account holder(s) to notify the bank whenever they no longer meet the eligibility requirements for a Student Checking Account as listed above.  When the account holder(s) no longer meets the eligibility requirements for a Student Checking Account as listed above, the account must be converted to another type of account, for which the account holder(s) is eligible.
*Write up to 25 checks during a monthly statement cycle without an excess check charge (20 cents per check after 25 checks during a monthly statement cycle)
Checking Account for Non-Profit Organizations
$100.00 Minimum Opening Balance
Minimum Daily Balance							Monthly Minimum Balance Fee
$100.00 and Over							No Charge*
Under $100.00							$2.00*
* $0.25 per check after 25 checks during a monthly statement cycle
Business and Commercial Checking Account*
$200.00 Minimum Opening Balance
*Business and Commercial Checking Accounts may be subject to an account analysis charge based on periodic reviews of your account activity
Minimum Daily Balance							Monthly Minimum Balance Fee
$500.00 and Over							No Charge**
Under $500.00							$5.00**
**$0.25 per check after 25 checks, if the minimum daily balance falls below $2,500.00 during a monthly statement cycle
Visa Check Card (Debit Card)
Our Visa Check Card combines the convenience of an ATM card, the purchasing power of a checkbook and the Worldwide acceptance of VISA debit cards in one card.  We also offer a pulse ATM card.  You can enjoy unlimited ATM transactions with either of these cards at any of our three ATM's. An application is required for these products.

Better Than Ever Gold Checking
For Customers 50 and Better $200.00 Minimum Opening Balance No Minimum Balance Unlimited Check Writing FREE Personalized Better Than Ever Gold Checks Tiered Interest Bearing Account Everyday Rebate Rewards Rx Advantage Prescription Drug Program NationsHealth Medical Supply Pharmacy Unlimited Farmers Bank & Trust Co. ATM Transactions $10,000.00 Accidental Death and Dismemberment Insurance $150,000.00 Common Carrier Insurance Payment Card Protection Savers Club My GetAway Monthly Membership Fee - $5.00
Regular N.O.W. Account
$200.00 Minimum Opening Balance No Minimum Daily Balance to Earn Interest
Minimum Daily Balance			Monthly Minimum Balance Fee
$1,500.00 and Over			No Charge
$1,000.00 to $1,499.99			$6.00*
$500.00 to $999.99			$7.00*
Under $500.00			$8.00*
*$0.25 per check after 25 checks during a monthly statement cycle
Super N.O.W. Account
$200.00 Minimum Opening Balance No Minimum Daily Balance to Earn Interest
Minimum Daily Balance			Monthly Minimum Balance Fee
$25,000.00 and Over			No Charge
Under $25,000.00			$10.00*
*$0.25 per check after 35 checks during a monthly statement cycle
Money Market Deposit Account
$200.00 Minimum Opening Balance No Minimum Daily Balance to Earn Interest
Minimum Daily Balance			Monthly Minimum Balance Fee
$2,500.00 and Over			No Charge
$2,000.00 to $2,499.99			$4.00
$1,000.00 to $1,999.99			$5.00
Under $1,000.00			$6.00
Monthly Maintenance Fee of $3.00 Excess Check Charge of $6.00 per check for each check over 3 during a monthly statement cycle Excess Withdrawal Charge of $6.00 per withdrawal for each withdrawal over 6 during a monthly statement cycle. If the Withdrawal is more than the third check and more than the sixth withdrawal simultaneously, then only one $6.00 charge will be imposed.
Simply Free Interest Checking Account
$5,000.00 Minimum Opening Balance $5,000.00 Minimum Daily Balance to Earn Interest No Minimum Balance Fees Unlimited Check Writing Privileges Choice of Electronic Statements or Imaged Statements Visa Check Card Available Free (subject to credit approval) Toll-Free Farmers ACCESS Line Unlimited Farmers Bank and Trust Company, Marion and Salem, KY ATM Transactions

Statement Savings Account
$200.00 Minimum Opening Balance
Minimum Daily Balance							Monthly Low Balance Fee
$50.00 and Over							No Charge
Under $50.00							$1.00
$1.00 Excess Withdrawal Charge per withdrawal after 6 withdrawals during a calendar quarter
Super Savings Account
$10,000.00 Minimum Opening Balance
Minimum Daily Balance							Monthly Low Balance Fee
$10,000.00 and Over							No Charge
Under $10,000.00							$10.00
Interest Rate Tiers
$50,000.00 or more							Tier 1
$10,000.00 to $50,000.00							Tier 2
$9,999.99 or less							Tier 3
$1.00 Excess Withdrawal Charge per withdrawal after 6 withdrawals during a calendar quarter
Student Statement Savings Account
No Minimum Opening Balance No Minimum Daily Balance
$1.00 Excess Withdrawal Charge per withdrawal after 6 withdrawals during a calendar quarter
Individuals eligible for a Student Savings Account are: 1. enrolled full-time at  a. an elementary school,  b. a secondary school,  c. a post-secondary school; and 2. single or married (if both individuals meet the eligibility requirements of item number 1 above). It is the responsibility of the account holder(s) to notify the bank whenever they no longer meet the eligibility requirements for a Student Savings Account as listed above.  When the account holder(s) no longer meets the eligibility requirements for a Student Savings Account as listed above, the account must be converted to another type of account, for which the account holder(s) is eligible.
Christmas Club Accounts
Open a Christmas Club Account in October of each year, make weekly deposits of as little as $2.00, earn a competitive interest rate all year long and receive a check for your account balance the following October in time to do your Christmas shopping.  Other weekly deposit amounts include $5.00, $10.00, and $20.00.
Individual Retirement Accounts (IRA's)
Open an IRA today and begin preparing for your retirement tomorrow.  We offer Traditional IRA's (deductible and non-deductible), SIMPLE IRA's (Savings Incentives Match Plan for Employees of Small Employers) and ROTH IRA's.  You may also transfer an existing IRA (a Transfer) or roll your existing qualified plan over (a Roll Over) to an IRA at our bank.
For additional information please contact our New Accounts Staff at our Main Office and Salem Office.
Certificates of Deposit
For our Certificate of Deposite options please refer to our "Rates" page on this website.
Click HERE to go to our Rates Page.