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Damascus Location Without Power

Due to power outages in the area, our Damascus location is closed. Please contact our customer support center at 1-888-988-3276 or visit our locations page to find another branch near you.

Farmers National Bank #1 Performing Bank in Ohio

Farmers National Bank is proud to announce that we were recently named the #1 Top Performing Bank in the state of Ohio and #30 in the nation of banks in the $1-5 Billion asset size. Click here to read the full press release.

Checking Accounts Personal

Check out what Farmers can offer you

Farmers checking accounts make it easy to access your money when you need it. From our free Totally Green Checking to interest-bearing accounts loaded with features, we have the right checking account for you!  All of the Farmers National Bank checking accounts feature the complimentary services below:

  • MoneyPass Network®
  • Free online banking, online bill pay and mobile banking
  • Online banking check images
  • E-statements**
  • Financial consultation
  • Insurance quote
  • Overdraft privilege***
  • Instaline overdraft protection****
  • Debit card******
  • Telephone banking

See Current Rates

Open an Account

New Customer

Existing Customer

Non-Interest-Bearing Checking Accounts

Comparison table of non-interest-bearing checking accounts.
  Totally Green Classic Checking
Minumum to Open $100 $100
Monthly Service Fee None $8 per month if daily balance falls below $600 at any time during the month
Interest No No
Complimentary Checks No No
Monthly Statement E-Statement** ($3/month for paper statement) Paper statement with check images (E-statement available**)
Additional Services Complimentary insurance quote and financial consultation Complimentary insurance quote and financial consultation
Check Writing Unlimited Unlimited
Debit Card Yes Yes
Online Banking, BillPay, Mobile Banking & E-statements** Yes Yes

Interest-Bearing Checking Accounts

Comparison table of interest-bearing checking accounts.
  Platinum Checking Premier Interest Bonus Checking Farmers 50 Advantage
Minumum to Open $100 $1,500 $100 $100
Monthly Service Fee $15 per month if daily balance falls below $2500 at any time during the month $10 per month if daily balance falls below $1500 at any time during the month $5 per month if daily balance falls below $100 at any time during the month $8 per month if daily balance falls below $100 at any time during the month
Interest Interest paid on daily balance***** Tiered interest rate based on daily balance***** Bonus rate paid on first $15,000 when account requirements are met***** Interest earned when $1,500 minimum daily balance is maintained*****
Complimentary Checks Yes No No Complimentary Farmers 50 Advantage Checks ($1.99 shipping/handling per box)
Monthly Statement E-Statement** or Paper Statement available E-Statement** or Paper Statement available E-Statement** or Paper Statement available E-Statement** or Paper Statement available
Additional Services Complimentary insurance quote and financial consultation Complimentary insurance quote and financial consultation Complimentary insurance quote and financial consultation Complimentary insurance quote and financial consultation, no fee 3x5 safe deposit box for one year, possible deposit or loan rate specials and more
Check Writing Unlimited Unlimited Unlimited Unlimited
Debit Card Yes Yes Yes Yes
Online Banking, BillPay, Mobile Banking & E-statements** Yes Yes Yes Yes
Additional Information

Interest paid on the following account balances:

2.00% APY* on all balances for the first 3 months

0.60% APY* on all balances after the first 3 months

Refer to account brochures and disclosures for full details. Variable rate currently 1.50% APY* on the first $15,000 for qualified accounts (1 electronic direct deposit or automatic debit, make at least 10 purchases with your debit card that post to your account within the current statement cycle, agree to receive your statement electronically.) Otherwise the rate will be 0.02% APY* . A $5.00 per month service charge will occur if the daily balance falls below $100 anytime during the month. Refer to account brochures and disclosures for full details.

Overdraft Privilege***

Are You Covered?

Your permission is required to continue overdraft coverage on everyday debit card and ATM transactions. Click the link below to opt-in or for more information.

Overdraft Opt-In


*APY = Annual Percentage Yield

**Canceling E-Statements: You may opt-out of E-Statements at any time by visiting one of our branch locations. If you opt-out of E-Statements, we will resume delivery of your paper statements by U. S. Mail. There will be a $30.00 reinstatement fee associated with the reinstatement of paper statements. For Totally Green & Business Green Checking accountholders, there will be an additional $3.00 monthly paper statement charge.

***Certain qualifications and restrictions apply. There is a $36 fee per overdraft occurrence.

****Subject to credit approval. Ask for full details and disclosures.

*****Refer to interest rate charts and accounts disclosures for details. Learn more information about our additional services.

******Available with approved application.

Other fees, terms and conditions apply.

Rates are subject to change without notice.

SEE BANK DISCLOSURE FOR DEPOSIT MINIMUMS AND OTHER REQUIREMENTS

View Terms and Conditions of Deposit Accounts (PDF)

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