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Personal Savings

We have a savings plan that will help your money grow. New accounts can be opened online at anytime or at any of Farmers Bank & Trust branch location.

BENEFITS

kasasa logo

SAVER

STATEMENT SAVINGS HEALTH SAVINGS CHRISTMAS CLUB BLUE CHIP MONEY MARKET
Interest 0.50% APY Interest*
for balances up to $100,000
monthly
Variable interest
compounded
quarterly
Variable interest
compounded monthly
  Tiered variable interest
rate depending on balance
compounded monthly
Free Online Banking & Mobile Apps X X X X X
Opening Deposit $25 $100 $50 *$10 $10,000
Free Debit Mastercard X X X   X
Statements Monthly Quarterly Monthly None Monthly
Minimum Balance None $100 None None $10,000
Service Fee None None if balance >
$100 or $5 if balance
falls below $100
None None None if balance >
$10,000 or $10 if balance
falls below $10,000
Withdrawal Limit 6 per month
($4 fee for each additional)
6 per quarter
($4 fee for each additional)
Unlimited Penalty for early
withdrawal
6 per month
($8 fee for each additional)
Check Images No No Yes, returned No Yes, returned
Requirements/
Important
Information
* We may change
the interest rate and
Annual Percentage
Yield (APY) at any time.
Rates are effective as
of June 1, 2016.
- Kasasa Checking Account
required
- Must meet Kasasa
Checking account
qualifications to earn
interest. Balances over
$100,000 are paid
APY of 0.05 %. When
qualifications are not met
APY of 0.05% is earned
on entire balance.
- Can be tied to multiple
accounts/individuals
- Under Federal regulation,
transfers from this account
to another account or to
third parties by preauthorized,
automatic, or
telephone transfers are
limited to six per month.
- Fees may reduce earnings
- Balance must stay
above $100 to
avoid fee (fee waived
for minors)
- Under Federal
regulation, transfers
from this account to
another account or to
third parties by preauthorized,
automatic,
or telephone transfers
are limited to six
per quarter.
- Fees may reduce
earnings
Medicare enrollees
are not eligible
- Individuals who are
over 55 and not
enrolled in Medicare
may make catch-up
contributions to their
HSA account.
- Funds contributed are
tax-deductible and
earn interest on a taxfree
basis
- Withdrawals are
tax-free if they are
used for qualifying
medical expenses.
50 Week Automatic
Savings Plan with
a bonus if balance
requirement is met
at the end of the 50
week period.
$10 drafted
weekly from a FB&T
checking account
(see chart below)
- Accounts must be
opened by Feb 1
each year.
- Balance must stay above
$10,000 to avoid fee
- Under Federal
regulation, transfers
from this account to
another account or to
third parties by preauthorized,
automatic,
or telephone transfers are
limited to six per month.
- Fees may reduce earnings
     

CHRISTMAS CLUB

$10.00 PLAN

 

     

Balance requirement at
end of 50 week period

$500  
     

Early account
closure fee

$10.00  
   

 

Bonus received at
end of 50 week
period if balance
requirement is met

$10.00  
 

Open Kasasa Saver with Cash Savings Account

Open Kasasa Saver with Cash Back Savings Account

Open Statement Savings