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Farmers & Stockmens Bank will be closed Monday, October 14th in observance of the Columbus Day holiday. The bank will be open for regular business hours on Tuesday, October 15th.

Personal Banking

Personal Banking 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.

Personal Banking Services

Personal Loans

Find a Loan

Mortgage Loans

Learn More

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.

Online Banking Features

Online Banking

We are committed to providing our customers with state-of-the-art products and services that can make day-to-day financial management easier and more convenient.

  • Check your balances and history
  • Make transfers 24/7
  • View checks online
  • Place stop payments on checks
  • Free mobile app available in the App Store and Google Play

Online Bill Pay

Quick, easy, and secure: Online bill pay allows you to move through your to-do list from the comfort of your own home.

  • Pay one-time or recurring bills
  • Add, delete, or modify payees
  • Set up automatic payments
  • No need for stamps or trips to the post office
  • Eliminates risk of outgoing mail being stolen or lost
  • Receive E-bills from major companies

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.
  • --