CBInsurance_Tag_1CR_White CBTMortgage_Tag_1CR_WhiteCreated with Sketch. Farmers_Tag_2CP_RGBCreated with Sketch.

Personal Deposit Services

Personal Deposit Services Se habla Español

Remember the days when you were able to walk into a bank and develop a real relationship with those who were safeguarding and helping to grow your money? No need to think too far back. That day can be today. At Farmers & Stockmens Bank, we take great measures to ensure our personal banking customers feel confident and well-supported when making any investment from a wide array of account options like a basic checking or savings account.

Which account
is best for me?

Our goal is to offer you the services that make a difference in your financial picture. The chart below details the benefits and requirements of each account type.

  • Accounts
    & Features
  • Minimum
    balance to
    open
  • Minimum
    daily
    collected
    balance
  • Monthly
    Service Fee

    (If balance falls below minimum)
  • Account Features

    (Could be subject to approval)
  • Other
    Monthly
    Features
  • Excessive
    Activity Fees
  • Basic
    Checking
  • $100
  • None
  • None
  • Free debit card

    Free online banking

    Free online bill pay

    Free telephone banking

    Free mobile banking
  • Unlimited checkwriting
  • None
  • Interest Checking
  • $100
  • $500
  • $11
  • Free debit card

    Free online banking

    Free online bill pay

    Free telephone banking

    Free mobile banking
  • 75 free debit items

    12 free credit items

    50 free deposited items
  • $.30/debit over 75 items

    $.25/credit over 12 items

    $.15/item deposited over 50 items
  • Classic
    Overdraft
    Protection
  • $100
  • $100
  • $6
  • Free debit card

    Free telephone banking

    Free mobile banking
  • --
  • $10 automatic transfer fee ($50 increments)
  • Investment
    Plus
    Checking
  • $1,000
  • $1,000
  • $11
  • Free debit card

    Free online banking

    Free online bill pay

    Free telephone banking

    Free mobile banking
  • 6 free debit items
  • $10/debit over 6 items
  • Money
    Market
    Personal
    Account
  • $10,000
  • $5,000
  • $11
  • Free debit card

    Free online banking

    Free online bill pay

    Free telephone banking

    Free mobile banking
  • 6 free debit items

    10 free credit items

    50 free deposited items
  • $.25/credit over 10 items

    $.15/item deposited over 50 items

    $10/debit over 6 items
  • Personal
    Savings
  • $100
  • $100
  • $6
  • Free debit card

    Free telephone banking

    Free mobile banking
  • 6 free debit items
  • $1.50/debit over 6 items
  • IRAs & CDs
  • $500
  • --
  • None
  • 32 days; 90 day; 182 days; 1 year;
    18 month; 2 year;
    3 year; 4 year
  • Please consult 
a bank representative for current rates and terms.
  • --

Personal Accounts

Basic Checking

Get a basic checking account with no monthly maintenance fee and no minimum balance required.

Interest Checking

Earn interest on your checking account. (Minimum balance required.)

Classic Overdraft
Protection Account

This special interest-bearing account helps avoid overdrafts. It can only be opened along with a primary checking account. It is attached to your checking account to make transfers when you need it.

Investment Plus Checking

This account offers competitive interest rates with flexibility. You are rewarded for maintaining a higher balance.

Money Market Personal Account

This account offers competitive interest rates and lets your account work for you through interest earnings.

Savings Account

Build your short-term savings with our basic deposit account. This account offers a low opening balance requirement and minimal fees.

Certificates of Deposit

With a choice of terms right for you, this account compounds interest and offers highly competitive rates. Sit back, relax, and let your money grow.

Individual Retirement Account

This FDIC-insured account invests in a competitive certificate of deposit. Take advantage of one of the best ways to plan for your retirement.

Credit Card Services

Whether you need a card for business or personal use, Farmers & Stockmens Bank has you covered.

Learn More

Ready to get started? Download our Customer Information Form here.

Our mobile banking app is fast, simple and easy to use.

The Farmers & Stockmens Bank mobile banking app* is available in both the App Store and Google play. Click on one of the links below, or search “CBT FSB” in the app stores.

*We reserve the right to delay mobile app access for a period of up to 30 days.

Online Banking Features

Mobile Banking App

Our Consumer mobile banking app allows you to:

  • Check your balance
  • View recent activity
  • Pay your bills
  • Make deposits
  • Find bank locations

Available on for iOS on the the App Store and for Android on the Google Play Store.

Download Now

Credit Card Services

Enjoying the rewards has never been easier.

Want to earn cash back? Maybe you prefer great rewards instead. With the new Farmers & Stockmens Bank personal credit card options from Visa® the choice is yours. You can choose the card that’s best for you and enjoy these great benefits:

  • No annual fees* and no penalty rates*
  • Set up account alerts
  • Make and schedule payments
  • Sign up for paperless statements
  • Pay with your card using Apple Pay®, Google Pay™ or Samsung Pay™
  • Receive fraud alerts through text or email with SecurLOCK

Have questions? See our Credit Card Services FAQ’s.

We can help you get started today.
CONTACT US