Earn up to 2.25% APY* on your checking balance — just for banking local.

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Key Features

  • Really High Interest
  • Refunds on ATM Withdrawal Fees*
  • No Monthly Maintenance Fees
  • No Minimum Balance Requirements

Do you currently have an account with Farmers Bank?

  • Free checking that pays high interest
  • 2.25% APY* on balances up to $10,000
  • 2.25% to 0.46% APY on balances over $10,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide*
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Unlimited check writing
  • Free digital banking services, including:
    • Free online banking & bill pay
    • Free mobile banking with mobile deposit
    • Free E-statements
  • Free Seed by Farmers Bank personal finance manager app
  • Free In-Touch telephone banking
  • Free Mastercard® debit card
  • $100 minimum deposit to open

Here's How Easy it is to Earn Your Rewards

Just do a few simple things you're probably already doing. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:

  • At least 1 direct deposit or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive E-statements
  • Be enrolled in and log into online banking

And if you don't meet these qualifications, your account is still free.

Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

Do you currently have an account with Farmers Bank?

*APY=Annual Percentage Yield. To obtain the annual percentage yield (APY), you must maintain a minimum balance of .01 in the account each day. Rates may change after account is opened. Minimum to open is $100 for Kasasa Cash and $25 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $4.99 per single transaction and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.25%; and (3) balances over $10,000 earn 0.30% interest rate on the portion of the balance over $10,000, resulting in 2.25% - 0.46% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% APY. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions and transfers between accounts do not count towards qualifying debit card transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to $10,000 in Kasasa Saver receive an APY of 0.50%; and (2) balances over $10,000 in Kasasa Saver earn 0.15% interest rate on portion of balance over $10,000, resulting in 0.50% - 0.18% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.05% APY. Limit one account per SSN.