Commercial Checking

Commercial Checking

This analyzed account is customized to your business' activity and is ideal for high volume transactions.


Focus on running your business, and we'll take care of the rest. This checking account calculates fees based on your balance. How many credits you rack up to offset fees is based on your account activity.

What this means is a checking account is tailored to your business' particular needs. And you can expect the usual perks that come with checking, like 24/7 account access, a debit card, and much more.

  • Analyzed business checking account
  • Designed for businesses with high transaction volume and high average balances
  • $8 monthly service charge
  • Fees per transaction are calculated based on your account balance
  • Account activity earns credits, which are used to offset fees
  • Several ways to manage your account:
  • Free online banking
  • Free mobile banking
  • Free In-Touch telephone banking
  • Bill Pay available
  • Free MasterCard® debit card
  • Free E-Statements
  • $100 minimum opening deposit

Commercial Checking Fees:

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 below*. Standard Commercial Checking account fees include the following:

  • $8 account maintenance fee
  • Checks deposited fees range from 7¢ per item for Farmers Bank checks, and 8¢ per item for checks drawn on other banks.
  • 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

*Earnings 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.