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Checking Accounts

Earn great rewards when you Bank Your Way!

Tiered Cash Rewards:

• $2 when you meet three (3) Options Checking Qualifiers and have 15 or more debit card purchases per statement cycle.
• $4 when you meet four (4) Options Checking Qualifiers and have 15 or more debit card purchases per statement cycle.

New RAA or TFB Consumer Loan Reward³:

$10 Reward per each new account

Monthly Service Charge:

$6 (Service charge fully refunded to customers under age 18. Customers age 18-24 receive a $3 refund.)

Service Charge Refund:

$3 refunded for each Options Checking Qualifier met, not to exceed monthly service charge (see list below)

ATM Foreign Surcharge Refund:

• Up to $5 per statement cycle refunded when you make 15 or more debit card purchases and meet one (1) Options Checking Qualifier
• $5 per statement cycle refunded for customers under age 24

Paper Statements:

$2.95 per statement cycle

Additional Benefits Include:

eStatements, Online Banking, Mobile Banking, Online Bill Pay, Card Hub, Apple Pay / Google Pay / Samsung Pay

OPTIONS CHECKING QUALIFIERS

• 15 or more debit card purchases per statement cycle
• Additional deposit accounts at The Farmers Bank with an aggregate balance of $5,000 or more^{2, 3}
• 1 Mobile Deposit
• 2 or more ACH withdrawals or 2 or more bill pays per statement cycle
• More than $300 aggregate ACH deposit per statement cycle
• More than $50 aggregated in auto transfers to a Farmers Bank savings account per statement cycle

Earn interest on top of your checking rewards!

Interest Rate¹:

• Earn 1.98%, 2.00% Annual Percentage Yield (”APY”) on the first $15,000 and 0.45-1.25% APY on any balance above $15,000 when you meet two (2) Interest Checking Qualifiers and make 15 or more debit card purchases per statement cycle
• Non-Qualified interest rate is 0.10% APY

New RAA or TFB Consumer Loan Reward³:

$10 reward for each new account

Monthly Service Charge:

$10

Service Charge Refund:

Service Charge fully refunded when you make 15 or more debit card purchases per statement cycle and meet any two (2) of the Interest Checking Qualifiers

ATM Foreign Surcharge Refund:

Up to $10 per statement cycle refunded when you qualify for a Service Charge Refund

Paper Statements:

$2.95 fee refunded per statement cycle when you maintain additional TFB Deposit accounts with an aggregate balance of $10,000 or more^{2, 3}

Additional Benefits Include:

eStatements, Online Banking, Mobile Banking, Online Bill Pay, Card Hub, Apple Pay / Google Pay / Samsung Pay

INTEREST CHECKING QUALIFIERS

• More than $500 aggregate ACH direct deposits per statement cycle
• 2 or more ACH withdrawals or 2 or more bill pays per statement cycle
• More than $50 aggregated in auto transfers to a Farmers Bank savings account per statement cycle

Earn even higher interest and rewards when you Bank Your Way!

Interest Rate^1:

• Earn 1.49%, 1.50% Annual Percentage Yield ("APY") on the first $30,000 and 0.64-1.00% APY on any balance above $30,000 when you meet three (3) Premium Interest Checking Qualifiers
• Earn 2.96%, 3.01% APY on the first $30,000 and 1.24-2.00% APY on any balance above $30,000 when you meet four (4) Premium Interest Checking Qualifiers
• Non-Qualified interest rate is 0.10% APY

New RAA or TFB Consumer Loan Reward³:

$10 reward for each new account

Monthly Service Charge:

$15

Service Charge Refund³:

• Service Charge fully refunded when you maintain TFB Deposit Accounts with an aggregate balance of more than $20,000²; and
• TFB Consumer Loan Accounts with an aggregate principal balance of more than $10,000

ATM Foreign Surcharge Refund:

Up to $15 per statement cycle refunded when you make 15 or more debit card purchases

Monthly Statements:

No charge for your choice of eStatements or paper statements

Additional Benefits Include:

Online Banking, Mobile Banking, Online Bill Pay, Card Hub, Apple Pay / Google Pay / Samsung Pay

PREMIUM INTEREST CHECKING QUALIFIERS

• TFB Savings or RAA Accounts with an aggregate balance of more than $20,000^2,3
• TFB Consumer Loan Account(s) with an aggregate principal balance of more than $30,000³
• 15 or more debit card purchases per statement cycle
• Any direct deposit

Earn maximum interest and rewards for being a Farmers Bank customer!

Interest Rate¹:

Earn our Qualified Rate when both Relationship Advantage Account Qualifiers are met.

Qualified Rate

• $50,001 and over - 0.45% Annual Percentage Yield ("APY")

Non-Qualified Rates

• $0-$25,000.00 - 0.05% APY
• $25,001 - $50,000 - 0.10% APY
• $50,001 and over - 0.20% APY

Monthly Service Charge:

$15 (Additional fee of $15 per withdrawal when you exceed four withdrawals per statement cycle)

Service Charge Refund:

Service Charge fully refunded when you maintain TFB Deposit Accounts with an aggregate balance of more than $20,000^{2, 3}

Monthly Statements:

No charge for your choice of eStatements or paper statements

Additional Benefits Include:

Online Banking, Mobile Banking

RELATIONSHIP ADVANTAGE ACCOUNT QUALIFIERS ^{2, 3}

• RAA Account with an average balance of more than $50,000
• TFB Deposit Accounts with an aggregate balance greater than $0