FARMERS NATIONAL BANK - Services
    Serving Northern Kentucky

ATM/Debit Card

• Combines convenience of ATM card with a debit card - much easier than writing checks
• Safer than cash
• Use anywhere Master Card is accepted
• Use to transfer funds or check your accounts

Credit Cards

• A necessity in today's world
• Low rates
• Convenient

For an application, click here: Applications/Forms

Overdraft Privilege

• Available on eligible personal checking accounts
• Fewer charges from retailers for returned checks
• Additional convenience and flexibility
• Less aggravation and embarrassment

Safe Deposit Boxes

• Protect your important documents
• Various sizes available at all locations

Other Services

• Cashier's Checks/Money Orders - When a personal check is unacceptable
• Direct Deposit - no longer a need to wait in line at the bank on payday! Guaranteed reliability!
• Drive-Through Service - Available at our convenient locations
• Night Deposits at each of our offices
• U.S. Savings Bonds - Redemption
• Notary Services - Complimentary for customers
• Wire-Transfers - The fastest, safest method to move guaranteed funds
• ATM machines - 11 locations in Northern Kentucky to serve you

Certificates of Deposits
Our certificates are a secure investment with easy access in an emergency.

• A small investment: $500 minimum balance requirement
• Various Terms: range from 91 days to 60 months
• Convenience: automatic renewals at the best current rate posted by us for the same term.
• Safety: deposits are insured by the Federal Deposit Insurance Corporation

IRA's
"IRA" is an acronym for Individual Retirement Account. IRA's are often the best alternatives when saving for retirement. Most IRA's offer varying tax benefits, whether you need a traditional IRA, or a Roth IRA. Contact Us for more information. We're glad to assist you in determining the best account for you!

• Save for retirement
• Defer taxes
• Earn tax-free interest in a Roth IRA
• $50.00 minimum for an IRA savings plan
• $500 minimum for an IRA certificate of deposit
• FDIC insured

Calculators
All financial calculators are for estimation purposes only. Your actual payment may vary.

USA Patriot Act

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your drivers license and other identifying documents.