Commercial Checking

Checking Designed Around Your Business 

For businesses with higher transaction volumes and more complex banking needs, Commercial Checking offers flexible account services with pricing based on account activity and collected balances.

A local commercial banker can help you understand the account structure and determine whether it fits the way your business operates.

Built for Businesses With Higher Transaction Volumes

Account Details
• $100 opening deposit
• No minimum balance requirement
• Unlimited check writing
• Imaged checks included with statements
• Night depository available
• Overdraft or returned-item fees may apply
 
Business Banking Tools
• Mastercard® Debit Card
• MyFarmers Online and Mobile Banking
• Free coin counting
• Free bank zipper bag
• 15 Bill Pay transactions per statement cycle at no charge; $0.75 for each additional transaction
• Autobooks
• Tap2Local*

*Tap2Local is available to eligible business customers. Enrollment and a compatible mobile device are required. Standard processing fees apply. Fees and eligibility requirements are subject to change.



 
 


















































































How Account Analysis Works

An earnings credit rate is applied to your average collected balance each month. Your average collected balance is the average amount of deposited funds that has cleared and is available in your account during the month.

The resulting earnings credit allowance is used to help offset account fees:

  • If the earnings credit allowance is greater than the total fees incurred, there is no service charge.
  • If the earnings credit allowance is less than the total fees incurred, the difference becomes the service charge.
  • Account maintenance: $7.50 per month
  • Credits and deposits: $0.05 each
  • Checks written and other withdrawals: $0.10 each
  • Items deposited drawn on Farmers Bank & Trust: $0.05 each
  • Items deposited drawn on another financial institution: $0.10 each
  • ACH credits: $0.05 each
  • ACH debits: $0.05 each
These fees are included in the account-analysis calculation and may be partially or fully offset by the account’s earnings credit. Additional fees may apply.