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.
No Monthly Service Charge or $2.00 per month if Average Balance falls below $250 (No Service Charge for students or minors)
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
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
No fees after 59 ½ years old
$50.00 minimum for an IRA savings plan
$500 minimum for an IRA certificate of deposit
FDIC insured to $100,000 *
* October 3, 2008 FDIC deposit insurance temporarily increased from $100,000 to
$250,000 per depositor through December 31, 2013.
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.
