Upfront Checking offers easy balancing on a detailed statement, duplicate checks for a permanent record and:• No minimum balance requirements
• No per check or monthly service
• One low annual fee - $38.00
• Interest earnings on daily balance of $500.00 or more
• First 50 duplicate checks freeDetailed monthly statement containing check date, check number, check amount (showing trace number) and balance. The statement will be itemized in date processed order and will contain a recap of transactions with checks listed in check number order with an aterisk indicating where the sequence has skipped a check number(s).The Bank will retain checks for six months. All checks will be imaged at Proof and filmed again monthly before they go into storage. Bulk file records will be imaged for research purposes.

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Monthly interest earnings and unlimited check writing. No service charge if a minimum monthly balance of $1,000.00 or an average monthly balance of $1,500.00. On balances below these, the service charge is $8.00

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Tiered interest rate based on daily balance. Rate is a variable rate, subject to change monthly at the discretion of Bank Management, dependent upon market conditions.$0-$24,999 base rate. / $25,000 + = 2nd TierNo monthly service charge with a low monthly balance of $5,000 or more. On balances below $5,000, the service fee is $10.00.Unlimited transactions and no fee for the first 10 checks or debits each month. Only $.20 per check or debit over 10 per month.• No minimum amount of withdrawal
• No limitations or restrictions on transactions
• Detailed monthly statement

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A versatile account with many added features for one monthly fee. A valuable package of services you can use. All for $6.75 a month!Interest on Checking
You can earn Now Account interest on your checking account.Unlimited Checking
Use all the checks you like. With Bonus Banking there are no per check charges.Personalized Checks
Receive all the personally imprinted club checks you need at no additional cost to you. Your special member checks will be printed with your name and address.$10,000 Accidental Death and Dismemberment Insurance
You'll be protected with $10,000 in Accidental Death and Dismemberment Insurance 24 hours a day. Payment Card Protection
When your credit card, ATM and check cards are registered, just call the toll-free 24 hour number to report the loss or theft, and all your card issuers will be notified for you. You'll also receive protection against liability on every registered card.Emergency Cash Advance Service
Get cash in emergencies with your MasterCard®, or VISA®. You can get up to $300 on your available cash advance limit at a generously discounted fee at over 18,000 locations coast to coast. Most are open around the clock.Instaline Overdraft Protection
For qualified applicants, receive automatic loan up to your personal credit line should you overdraw your checking account. Official Checks and Money Orders
These secure, convenient instruments are available to you at no issue fee. 24-Hour Banking
With your 24-hour banking card, all your transactions are safe, confidential and fast. Your STAR ATM card will be honored at any STAR or PLUS System machine. Look for the STAR Plus/Cirrus logos to know which banking institutions are members. Direct Deposit of Social Security and Payroll Checks
Enjoy the convenience. For immediate access to your money, you can authorize the Treasury and your employer to deposit your checks directly into your account. Savers Club® Discount Book
Save 50% at over 4,400 participating lodging properties from coast to coast, and up to 20% on vacation dining nationwide. Plus, you'll find discount offers from theme parks and car rental companies. You can receive a new bargain-filled Savers Club® Discount Book every year. Identity Theft Protection
Identity theft is the fastest-growing crime in America, and, for victims, it can be a time-consuming and costly job to restore their name and good credit. Identity Theft Protection provides you with expert assistance and up to $5,000 in financial relief in the event your identity is stolen. Notary Service
Use our notary service at no additional charge. We'll be happy to notarize your official documents. Just present your Bonus Banking ID Card. Automatic Savings
Save the easy way. You decide how much you want to save. The amount will be automatically transferred according to your instructions. A great way to save for future needs. $10 Reward for Savers
Open a new personal savings account with $100 or more, and we'll deposit $10 in your account.

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Just a $100 Minimum Balance
Avoid the monthly fee when you keep a $100 minimum balance. Should you drop below $100, a $6 monthly fee will be charged. Interest on Checking
You can earn NOW Account interest on your checking account. Unlimited Checking
Use all the checks you like. With Bonus 50 Checking there are no per check charges. Personalized Checks
Receive all the personally imprinted club checks you need at no additional cost to you. Your special member checks will be printed with your name and address. Or take advantage of a discount on other selected check styles. $100,000 Common Carrier Accidental Death Insurance
You'll feel secure with $100,000 in Accidental Death Insurance when you travel by licensed Common Carrier. Payment Card Protection
When your credit card, ATM and check cards are registered, just call the toll-free 24 hour number to report the loss or theft, and all your card issuers will be notified for you. You'll also receive protection against liability on every registered card. Emergency Cash Advance Service
Get cash in emergencies with your MasterCard®, or VISA®. You can get up to $300 on your available cash advance limit at a generously discounted fee at over 18,000 locations coast to coast. Most are open around the clock. Instaline Overdraft Protection
For qualified applicants, receive automatic loan up to your personal credit line should you overdraw your checking account. Official Checks and Money Orders
These secure, convenient instruments are available to you at no issue fee. Key Ring Protection
Help to retrieve lost keys. With your personally registered key ring, your lost keys can be dropped in any mailbox and returned to you... at no additional charge. 24-Hour Banking
With your 24-hour banking card, all your transactions are safe, confidential and fast. Your STAR ATM card will be honored at any STAR or PLUS System machine. Look for the STAR Plus/Cirrus logos to know which banking institutions are members. Direct Deposit of Social Security and Payroll Checks
Enjoy the convenience. For immediate access to your money, you can authorize the Treasury and your employer to deposit your checks directly into your account. Savers Club® Discount Book
Save 50% at over 4,400 participating lodging properties from coast to coast, and up to 20% on vacation dining nationwide. Plus, you'll find discount offers from theme parks and car rental companies. You can receive a new bargain-filled Savers Club® Discount Book every year. Bonus Travel
Earn exciting cash rewards when you travel. Arrange your travel toll free, 24 hours a day, and get 5% savings on lodging expense, airline travel, car rentals, cruises and package trips. Free Safe Deposit Box for a Year
Store your valuables in a personal-size safe deposit box. It's yours rent free for an entire year. Upon availability at all locations. Notary Service
Use our notary service at no additional charge. We'll be happy to notarize your official documents. Just present your Bonus Banking ID Card. Automatic Savings
Save the easy way. You decide how much you want to save. The amount will be automatically transferred according to your instructions. A great way to save for future needs. Common Sense Card from Farmers
Looks like a credit card, works like a check. It's a VISA' Debit Card. It has every feature of an ATM Card, plus you can use it as a check card at grocery stores or other point-of-sale machines or at more than 12 million businesses where VISA is accepted. Access your checking account without writing a check or showing identification.Identity Theft Protection
Identity theft is the fastest-growing crime in America, and, for victims, it can be a time-consuming and costly job to restore their name and good credit. Identity Theft Protection provides you with expert assistance and up to $2,500 in financial relief in the event your identity is stolen.Rx Advantage® Prescription Drug Program
Your Rx Advantage card grants you preferred pricing on many prescription medications at participating pharmacies nationwide. And you'll have the added security of our prescription drug monitoring program alerting your pharmacist to important information about your prescriptions. Liberty Marketplace Discount Program
You can receive up to 15% off the average retail price of diabetes testing products, as well as the convenience of having the supplies delivered right to your door with no shipping charges when you order through this trusted mail-order company.  All products come with a 100% guarantee for 30 days.  Some restrictions apply.  This program is not insurance. $10 Reward for Savers
Open a new personal savings account with $100 or more, and we'll deposit $10 in your account.

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Farmers' Common Sense Card "Looks like a credit card, works like a check."
Click here for details.

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A free ATM card gives access 24 hours a day to a checking or savings account, through Farmers National Bank ATMs and affiliated network ATMs.

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