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Personal Checking

Farmers Bank & Trust has several checking account options to fit your needs! Open An Account

	KASASA Cash	KASASA Cash Back	Farmers Checking	Checking with Interest	Club Checking
Interest	0.25% *APY for balances up to $25,000	*1.0% Cash Back On POS debit card transactions up to $3 cash back per monthly qualification cycle.	None	Variable interest compounded daily	None
Free Mastercard® Debit Card	X	X	X	X	X
Free NetTeller Online Banking & Mobile Apps	X	X	X	X	X
Free Coin Counting	X	X	X	X	X
Unlimited Check Writing	X	X	X	X	X
Free ClickSWITCH Account	X	X	X	X	X
Unlimited ATM Fee Refunds*	X	X	Standard Fees Apply	Standard Fees Apply	Standard Fees Apply
Imaged Checks in Statement	X	X		X	X
Opening Deposit	$100	$100	$100	$1,000	$100
Minimum Balance	None	None	None	$1,000	None
Service Fee	None	None	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
Cell Phone Protection					X
Free Checks					X*
Additional Club Benefits					X**
Requirements/Important Information	*We may change the interest rate and Annual Percentage Yield (APY) at any time. Rates are compounded monthly and effective as of March 19, 2021. After Qualification with: 1. Make 10 Mastercard® Debit Card Point of Sale (POS) Transactions (Not ATM) post and clear 2. Have at least one direct deposit OR at least one ACH auto credit/debit to your account 3. Enroll and receive eStatements - After 6 consecutive months of non-qualification, Kasasa checking accounts will be moved to Farmers Checking. - Three accounts per household - Balances under $25,000 are paid APY of 0.25% and balances over $25,000 are paid APY of 0.10% - When qualifications are not met APY of 0.01% is earned on entire balance	*After Qualification with: 1. Make 10 Mastercard® Debit Card Point of Sale (POS) Transactions (Not ATM) post and clear 2. Have at least one direct deposit OR at least one ACH auto credit/ debit to your account 3. Enroll and receive eStatements When customer meets the account’s qualifications during a Monthly Qualification Cycle, customer will receive: -1.0% cash back on debit card purchases, up to $300 in total purchases. -Up to $3 total cash back per monthly qualification cycle. - After 6 consecutive months of non-qualification, Kasasa checking accounts will be moved to Farmers Checking. - Three accounts per household - We may change the cash back interest rate at any time. - Rates are effective as of May 20, 2021.	- Enroll and receive eStatements to avoid fee	- Balance must stay above $1,000 to avoid fee - Fees may reduce earnings	Includes Free Safe Deposit Box for One Year (3x5 box) at valid locations - 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 - See EconoCheck Club brochure for additional details.
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Committed to helping you improve and grow your financial success through our personalized service and expertise.

Financial Services

Accounts to help your money grow. We have a variety of options to fit your unique style and stage of life.

Personal Savings

Personalized, individualized service to bring you the highest level of trust and asset management solutions.

Trust & Asset Management

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Kasasa Cash

You deserve more than just free checking — you deserve a free checking account that pays you back in cash. Kasasa Cash is just that account!

There is no minimum balance to keep or points to collect. We'll even refund your ATM fees nationwide. * All you have to do to earn your rewards are simple things that make banking easier anyway, like sign up for online banking or eStatements. Kasasa®, a new way to bank.

Free checking that pays really high interest
Earn 0.25% APY* on balances up to $25,000
Earn 0.01% APY* if qualifications aren't met
Get refunds on ATM fees nationwide*
Option to link to high-interest Kasasa Saver account
Have Cash rewards transferred to Saver for automatic savings
No minimum balance to earn rewards
No monthly service fee
$100 minimum opening deposit

Plus, at no additional cost:

Unlimited check writing and transactions
Instant Issue Mastercard® Debit Card
NetTeller Online Banking and FB&T Mobile app
Bill Pay and ClickSWITCH
eStatements
Clarity – Personal Financial Management System
Mobile Deposit – Make deposits via your Mobile Device
Coin Counting

Things You Must Do (That Make Banking Easier Anyway)

While there isn't a minimum balance to keep or points to collect, there are a few things you must do to earn your full rewards. (You're probably doing most, if not all, of these things already). To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

1. Have 10 Mastercard® Debit Card Point of Sale (POS) Transactions (Not ATM) post and clear

2. Have at least one direct deposit OR at least one ACH auto credit/debit to your account

3. Enroll and receive eStatements

That does it. And if one month you don't qualify, no problem. Your account is still free and you still earn our base interest rate. You can get back to earning your full rewards the very next monthly qualification cycle. After 6 consecutive months of non-qualification, Kasasa checking accounts will be moved to Farmers Checking.

*To earn rewards, you must meet each of the following Qualifications before the end of your Statement Cycle: 1) Have 10 Debit Card Point of Sale transactions post & clear (Not ATM). 2) Have at least 1 Direct Deposit OR 1 ACH Auto Credit/Debit post & clear. 3) Enroll to receive eStatements. When Kasasa Cash Reward Checking qualifications are met during a Monthly Qualification Cycle you will receive (1) 0.25% Annual Percentage Yield (APY) on balances up to $25,000 and balances over $25,000 earn 0.10% APY on the portion of the balance over $25,000 (2) you will receive unlimited reimbursements on nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. When Kasasa Cash qualifications are not met, the APY on the entire balance will be 0.01% and ATM fees are not refunded. Interest and ATM fee reimbursements will be credited to the account on the third Thursday of the month. Rates effective March 19, 2021. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Kasasa is a trademark of BancVue, Ltd., registered in the U.S.A.

Kasasa Cash Back

Free Kasasa Cash Back checking actually pays you 1.00% cash back on all of your debit card purchases (up to $36 cash back per year). * Basically, you get paid to shop — by your checking account.

Free checking with cash back
Get 1.00% cash back on every debit card purchase up to $300.00*
Refunds on ATM fees nationwide*
Option to link to Kasasa Saver to build savings automatically
Have Cash Back rewards transferred to Saver for automatic savings
No minimum balance required to earn rewards
No monthly service charge
$100 minimum opening deposit

Plus, at no additional cost:

Unlimited check writing and transactions
Instant Issue Mastercard® Debit Card
NetTeller Online Banking and FB&T Mobile app
Bill Pay and ClickSWITCH
eStatements
Clarity – Personal Financial Management System
Mobile Deposit – Make deposits via your Mobile Device
Coin Counting

Things You Must Do (That Make Banking Easier Anyway)

1. Have 10 Mastercard® Debit Card Point of Sale (POS) Transactions (Not ATM) post and clear

2. Have at least one direct deposit OR at least one ACH auto credit/debit to your account

3. Enroll and receive eStatements

That covers it. And if you don't qualify one month, no worries. Your account is still free. You can get back to earning your full rewards the very next monthly qualification cycle. After 6 consecutive months of non-qualification, Kasasa checking accounts will be moved to Farmers Checking.

* To earn rewards, you must meet each of the following Qualifications before the end of your Statement Cycle: 1) Have 10 Debit Card Point of Sale transactions post & clear (Not ATM). 2) Have at least 1 Direct Deposit OR 1 ACH Auto Credit/Debit post & clear. 3) Enroll to receive eStatements. When Kasasa Cash Back Checking qualifications are met during a Monthly Qualification Cycle you will receive (1)1.00% cash back on up to a total of $300 in debit card purchases that post and settle to the account during that cycle period. A maximum of $3 cash back may be earned per Monthly Qualification Cycle. (2) You will receive unlimited reimbursements on nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. When Kasasa Cash Back Checking qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the third Thursday of the month. Rate effective May 20,2021. Kasasa is a trademark of BancVue, Ltd., registered in the U.S.A.

CLUB CHECKING

Club Checking makes it simple to keep your family finances safer and take smart discounts on financial services and everyday purchases. Even better, security and savings benefits are included with your Club Checking account at no additional cost.

Features:

FREE personalized wallet style club checks (limit one box per order)
FREE Unlimited Check Writing
LOW Monthly Service Charge of $6
HALF PRICE for Cashier’s Checks
FREE Safe Deposit Box for One Year (3x5 box where available - $11.25 savings)
ONLY $100 to open

Plus, at no additional charge:

Unlimited check writing and transactions
Instant Issue Mastercard® Debit Card
NetTeller Online Banking and FB&T Mobile app
Bill Pay and ClickSWITCH
eStatements
Clarity – Personal Financial Management System
Mobile Deposit– Make deposits via your Mobile Device

Your Club Checking account also provides you with the following non-banking benefits at no additional cost:

Accidental Death & Dismemberment Insurance **

Up to $10,000 of 24-hour coverage. Coverage divides equally on joint accounts & reduces by 50% at age 70.

Cellular Telephone Protection**

Up to $300 of replacement or repair costs if your cell phone is stolen or damaged. Cellular phone bill must be paid through this account. Covers first three phones listed on the cellular phone bill. Limit to two claims per year with a $50 deductible per claim.

Travel & Leisure Discount Membership

Money-saving discounts from thousands of local and national businesses. Members can redeem and print coupons online or access discounts from their smartphone. Registration/activation required.

Gas & Gift Card Discounts

20% savings on gas and gift cards with no hidden fees or expiration dates. Registration/activation required. Terms and conditions apply.

$hopping Rewards™

Access to exclusive offers and discounts at multiple leading online retailers. Simply shop online using the customized shopping portal and receive cash back. Your cash back will be held in your Shopping Rewards account to use toward future purchases or conveniently sent to you as a check. Registration/activation required. Online access is necessary.

IDProtect®

Allows you to rest easy knowing that our comprehensive identity theft protection service, can help protect you & your joint account holders from fraud & loss*.

IDProtect® service includes:

Identity Theft Expense Reimbursement Coverage **

Receive up to $10,000 to help pay expenses, clear your name and recover your identity, should you become a victim of identity theft.

Comprehensive Identity Theft Resolution Services

Should you suffer identity theft, your very own IDProtect fraud resolution specialist will help you every step of the way until your credit and identity are completely restored.

Debit & Credit Card Registration

Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards. Registration/activation required.

3-in-1 Credit File Monitoring

Equifax, Experian and TransUnion credit file daily monitoring. Includes alerts if key changes occur. Registration/activation required.

3-in-1 Credit Report

Request a free, updated credit report every 90 days or upon receipt of alert. Each new report includes an updated single bureau credit score. Registration/activation required.

Total Identity Monitoring

Monitoring of over 1,000 databases. Registration/activation required.

*IDProtect® service is a personal identity theft protection service available to personal checking account owners and their joint account owners. The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service is available on behalf of the beneficiary, who must be the primary account owner (Fiduciary is not covered).

**Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.

Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

Personal Checking

Farmers Bank & Trust has several checking account options to fit your needs! Open An Account

Kasasa Cash

Plus, at no additional cost:

Things You Must Do (That Make Banking Easier Anyway)

Kasasa Cash Back

Plus, at no additional cost:

Things You Must Do (That Make Banking Easier Anyway)

FARMERS CHECKING Open Now

Features:

Plus, at no additional cost:

Requirements:

CHECKING WITH INTEREST

Features:

Plus, at no additional cost:

Requirements:

CLUB CHECKING

Features:

Plus, at no additional charge:

Your Club Checking account also provides you with the following non-banking benefits at no additional cost:

IDProtect® service includes: