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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.
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.
  • Various Terms: range from 91 days to 48 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.
  • 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!

  • 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 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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