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FARMERS NATIONAL BANK - Deposit Products
Serving Northern
Kentucky
Checking/Savings
| Product |
Benefits |
Service Charge Based
on Average Balance |
ATM Fee Rebates |
| Freedom Plus Checking |
1 box free checks per year *
Electronic or Truncated Statements
$400 Overdraft Privilege after 30 days
Free Internet Banking
Free Bill Pay
Unlimited FNB ATM Transactions |
No Monthly Service Charge
No Minimum
Balance Requirement
Unlimited Transactions ** |
Not Applicable |
| Select Checking |
1 box free checks per year *
Electronic Statements Available
$700 Overdraft Privilege after 30 days
Free Internet Banking
Free Bill Pay
Unlimited FNB ATM Transactions
4 Free Non-FNB ATM Transactions*** |
No Monthly Service Charge if
$1,000 average balance
$6.00 per month service charge if less than $1,000 average balance
Unlimited Transactions ** |
***4 Non-FNB ATM fee rebates per statement cycle, up to $2.00 each, $8.00 max. per statement cycle.
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Elite 50 Checking Option A
(for those age 50 and over) |
Interest Bearing
1 box free checks per year *
Electronic Statements Available
$900 Overdraft Privilege after 30 days
Free Internet Banking
Free Bill Pay
Unlimited FNB ATM Transactions |
No Monthly Service Charge
No Minimum Balance Requirement
Unlimited Transactions ** |
Not Applicable |
Elite 50 Checking Option B
(for those age 50 and over) |
Interest Bearing
1 box free checks per year *
Electronic Statements Available
$900 Overdraft Privilege after 30 days
Free Internet Banking
Free Bill Pay
Unlimited FNB ATM Transactions
4 Free non-FNB ATM Transactions *** |
No Monthly Service Charge if
$1,000 average balance
$6.00 per month service charge if less than $1,000 average balance
Unlimited Transactions ** |
***4 Non-FNB ATM fee rebates per statement cycle, up to $2.00 each, $8.00 max. per statement cycle. |
| ID Money Market |
Index Driven
tied to the 90 day treasury bill.
$10,000 Minimum Deposit required
to open the account. |
Unlimited over-the-counter withdrawals
$15.00 per month service charge
if average balance is below $10,000 |
Not Applicable |
| Statement Savings Account |
Savings is always convenient with over-the-counter and ATM transactions.
5 free withdrawals per month.
Full-time student and minor savings
accounts available. |
None |
Not Applicable |
| Public Funds / Organization Accounts |
Interest bearing checking accounts
designed specifically to meet the
needs of the churches and
other non-profit organizations in
our community. |
Unlimited checking-writing privilege
No per item processing fee
No average balance requirements
No monthly service charge |
Not Applicable |
* With Direct Deposit or Electronic Statements
** Transactions include checks, DEBIT/ATM, and direct withdrawals
Other restrictions may apply. Stop by any of our convenient locations for details.
CD/IRA's
Certificates of Deposits
-
Our certificates are a secure investment
with easy access in an emergency.
-
A small investment: $500 minimum balance
requirement.
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Various Terms: range from 91 days to 48
months.
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Convenience: automatic renewals at the best
current rate posted by us for the same term.
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Safety: deposits are insured by the Federal
Deposit Insurance Corporation.
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Contact Us for additional information.
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!
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Save for retirement
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Defer taxes
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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 to $100,000
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 driver's license and other identifying documents.
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