Checking


Whether you’re starting a business, managing everyday transactions or preparing for growth, Farmers Bank & Trust offers checking solutions designed around your needs. Our local bankers are here to help you compare your options and build a banking relationship that supports your business.

Checking that Works for Your Business

keep it simple

Business Free Checking

A straightforward checking account designed for small businesses with moderate transaction activity.

  • $100 opening deposit
  • No minimum balance requirement
  • No monthly service fee
  • First 325 transactions per statement cycle included; $0.25 for each additional transaction
  • Mastercard® Debit Card
  • Online and Mobile Banking
  • Free coin counting
  • Unlimited check writing
  • 15 Bill Pay transactions per statement cycle included; $0.75 for each additional transaction
  • Imaged checks included with statements
  • Night depository available
  • Free bank zipper bag
  • Autobooks
  • Tap2Local*
 
 
 

earn while you operate

Business Checking with Interest

Earn variable interest while maintaining convenient access to your business funds.
 
  • $1,000 opening deposit
  • $1,000 minimum balance
  • Variable interest compounded daily
  • No monthly service fee when the balance remains at or above $1,000
  • $10 monthly service fee when the balance falls below $1,000
  • First 325 transactions per statement cycle included; $0.25 for each additional transaction
  • Mastercard® Debit Card
  • Online and Mobile Banking
  • Free coin counting
  • 15 Bill Pay transactions per statement cycle included; $0.75 for each additional transaction
  • Imaged checks included with statements
  • Night depository available
  • Free bank zipper bag
  • Autobooks
  • Tap2Local*
 

built for high volume

Commercial Checking

Designed for businesses with high transaction volume, with account analysis that helps offset eligible service fees based on collected balances.
 
  • $100 opening deposit
  • No minimum balance requirement
  • Unlimited check writing
  • Mastercard® Debit Card
  • Online and Mobile Banking
  • Free coin counting
  • 15 Bill Pay transactions per statement cycle included; $0.75 for each additional transaction
  • Imaged checks included with statements
  • Night depository available
  • Free bank zipper bag
  • Autobooks
  • Tap2Local*

FOR LEGAL PROFESSIONALS

IOLTA

A checking account for attorneys managing qualifying client trust funds. Available in Arkansas, Texas, Oklahoma and Ohio.
 
  • $100 opening deposit
  • No minimum balance requirement
  • No monthly service fee
  • Variable interest compounded daily
  • Mastercard® Debit Card
  • Online and Mobile Banking
  • Free coin counting
  • 15 Bill Pay transactions per statement cycle included; $0.75 for each additional transaction
  • Imaged checks included with statements
  • Night depository available
  • Free bank zipper bag
  • Autobooks
  • Tap2Local*
  • Completion of official IOLTA program forms required
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*Tap2Local is available to eligible business accountholders. Enrollment and approval are required. Merchant processing services are provided by Moov Financial, Inc. Transaction and other fees apply. Current fees and applicable terms are provided during enrollment.