Checking

Person controlling their card with their phone.

Better Banking Starts with Better Checking

The right checking account should make everyday banking easier. Explore three options with helpful features and benefits, then choose the account that best fits your needs.

Features Included with Every Personal Checking Account:

  • Mastercard® Debit Card
  • Coin Counting
  • MyFarmers Online & Mobile Banking
  • Unlimited Check Writing
  • Help Switching Direct Deposits & Automatic Drafts

Find the Checking Account That Fits Your Needs

no frills

Farmers Checking

A straightforward checking account with the essential features you need for everyday banking.

Account Details

  • $20 opening deposit
  • No minimum balance requirement
  • No monthly service fee when enrolled in eStatements
  • $4 monthly fee for paper statements

Included

  • Instant Issue Mastercard® Debit Card
  • MyFarmers Online and Mobile Banking
  • Unlimited Check Writing
  • Free Coin Counting
  • Direct Deposit and Automatic Draft Switching

Interest

Checking with Interest

Earn variable interest on your balance while maintaining convenient access to your money.

Account Details

  • $1,000 opening deposit
  • Variable interest compounded daily
  • No monthly service fee when the balance remains at least $1,000
  • $10 monthly service fee when the balance falls below $1,000
  • Imaged checks included with monthly statements

Included

  • Instant Issue Mastercard® Debit Card
  • MyFarmers Online and Mobile Banking
  • Unlimited Check Writing
  • Free Coin Counting
  • Direct Deposit and Automatic Draft Switching
  • Early Pay*
Fees may reduce earnings.
 
*Early access to direct deposit funds depends on timing of payer’s submission of deposits. Funds may not be available early for every deposit. Availability is not guaranteed.
Extra Benefits

Club Checking

A checking account with added benefits for everyday life, travel and more.
 

Account Details

  • $20 opening deposit
  • No minimum balance requirement
  • $6 monthly service fee
  • Wallet-style club checks, limited to one box per order
  • One year of safe deposit box rental at no additional cost for a 3-by-5-inch box at participating locations

Included

  • Instant Issue Mastercard® Debit Card
  • MyFarmers Online and Mobile Banking
  • Unlimited Check Writing
  • Free Coin Counting
  • Direct Deposit and Automatic Draft Switching
  • Early Pay*
  • Cell Phone Protection**
  • Additional Club Benefits
*Early access to direct deposit funds depends on timing of payer’s submission of deposits. Funds may not be available early for every deposit. Availability is not guaranteed.
 
**The description is a summary only and does not include all terms, conditions and exclusions. See the Club Checking benefits page for complete details.
AGES 13–20

MyStart Checking

A first checking account designed to help students begin building responsible financial habits.

Account Details

  • $20 opening deposit
  • No monthly service fee
  • eStatements required
  • Converts to Farmers Checking at age 21

Included

  • Instant Issue Mastercard® Debit Card
  • Free Coin Counting
  • MyFarmers Online and Mobile Banking for customers age 18 and older
  • Parent or guardian digital-banking access for customers under 18

Opening the Account

  • Ages 18–20 may open online or at a branch
  • Customers under 18 must open jointly with a parent or guardian at a branch





































































 

Compare Account Differences

View a side-by-side comparison of our checking account options below.
Description Farmers Checking Checking with Interest Club Checking MyStart Checking
Interest None Variable interest compounded daily None None
Free Mastercard® Debit Card Circle F image. Circle F image. Circle F image. Circle F image.
Free MyFarmers Online Banking & Mobile Apps Circle F image. Circle F image. Circle F image. Ages 18+; parent/guardian access for minors
Free Coin Counting Circle F image. Circle F image. Circle F image. Circle F image.
Unlimited Check Writing Circle F image. Circle F image. Circle F image. Circle F image.
Direct Deposit + Auto Draft Switch Circle F image. Circle F image. Circle F image. Circle F image.
Unlimited ATM Fee Refunds* Standard Fees Apply Standard Fees Apply  Standard Fees Apply  Standard Fees Apply
Imaged Checks in Statement No Circle F image. Circle F image. No
Opening Deposit $20 $1,000 $20 $20
Minimum Balance None $1,000 None None 
Service Fee
None if receive eStatements
or $4 for paper statements
 None if balance is $1,000 or more of $10 if balance falls below $1,000 $6 per month None
Cell Phone Protection
No
 No Circle F image. No
Free Checks
No
 No   Circle F image.* No
Additional Club Benefits
No
 No    Circle F image.** No
Requirements/Important Information
Enroll and receive eStatements to avoid fee
Balance must stay above $1,000 to avoid fee and Fees may reduce earnings
Includes Free Safe Deposit
Box for One Year (3x5 box)
at valid locations
See EconoCheck Club brochure for additional details.
Ages 13–20; eStatements required; converts to Farmers Checking at age 21
Early Pay***
No
Circle F image.
Circle F image.
No
*Wallet style club checks limit one box per order.
** IDProtect, Travel and Leisure Discounts, $hopping Rewards, up to $10,000 Accidental Death & Dismemberment, discounts on gas and gift cards.
***Early access to direct deposit funds depends on timing of payer’s submission of deposits. Funds may not be available early for every deposit. Availability is not guaranteed.