Manage a high volume of transactions and keep the cost of doing business low with this customized account.

Key Features

  • Earnings Credit1
  • Free Digital Banking
  • Free Debit Card
  • Ideal for businesses with larger transaction volumes and balances
  • Receive a detailed analysis statement regarding account activity
  • Unlimited monthly transactions available at low per-item fees
  • $10 monthly service charge
  • Receive an earnings credit to offset or minimize monthly fees incurred
  • Digital banking services, including:
    • Online banking & bill pay
    • Mobile banking with mobile deposit
    • E-statements
  • Free Seed by Farmers Bank business finance manager app
  • Free In-Touch telephone banking
  • Free Mastercard® debit card
  • Online cash management available
  • $100 minimum deposit to open

Depending on the balance you maintain in your commercial account (also called your Earnings Allowance), you could receive our services for your Commercial Checking account absolutely free of charge. The way this works is described below1. Standard Commercial Checking account fees include the following:

  • $10 account maintenance fee
  • Checks deposited fees range from 6¢ per item for Farmers Bank checks, and 9¢ per item for checks drawn on other banks
  • 10¢ per electronic items
  • Your account is assessed 50¢ for each $1,000 in currency and 10¢ for each roll of coins.
  • Returned checks are charged a $5 service fee
  • If you choose to use other Farmers Bank services (such as research or printed checks) you will see a fee for these services on your monthly checking statement

1Earnings Allowance: The rate is the average of the 91-day Treasury Bill auction discount rate for the month. This rate is applied against the average investable balance. That balance is the average balance for the month, less average funds in float and less reserve required by law. Float refers to checks deposited that are not drawn on the Farmers Bank and for which the bank does not receive the use of the funds for one to three days.