Disclosures:
Charges may occur if the account is overdrawn or checks are returned for non-sufficient funds.
ATM use of Visa Check Card at non Farmers Bank ATMs may result in that company’s charges.
Free online bill pay and e-bill delivery until 12/31/08, which would be $5.95 per month.
Free Bill Payment feature is assessed annually; a 30 day notice would be given if status changes and would be effective 1/31/09.  

Service Charge Fees:
Minimum Monthly Balance of $0.00 to $499.99 there is a monthly service fee of $2.00.
Minimum Monthly Balance of $500.00 and over there is no monthly fee.

Benefits:
Link our Saver Friendly savings product and earn a premium rate of interest.
Unlimited check writing
First 50 printed checks are free
Internet banking, bill payment, e-statements and e-bill delivery are available
$1,000 minimum required to open account
$10 monthly maintenance fee assessed if balance falls below the $1,000 minimum daily balance
A Visa check card with no charge for transactions for credit and debit
Internet banking, bill payment, e-statements and e-bill delivery are available
Your choice of paper statement or e-Statement!  Read more about e-Statements here

Disclosures:
Interest starts to accrue the business day you make a deposit.
Interest is compounded and credited to the account every month.
Interest is accrued daily on the balance.  We use the Daily Balance Method.
The disclosed Rates and Annual Percentage Yields are variable and subject to change weekly after the account is opened.
Fees could reduce earnings.
If you close your account before interest is credited, you will receive the accrued interest due if funds remain in the bank.
Charges may occur if the account is overdrawn or checks are returned for non-sufficient funds.
Partnerships and Corporations do not qualify for SuperNow Accounts due to Federal Regulations. 
ATM use of Visa Check Card at non Farmers Bank ATMs may result in that company’s charges.

Benefits:
Link our Saver Friendly savings product and earn a premium rate of interest.
Excellent rate of return
Unlimited check writing
First 50 printed checks are free
Minimum of $1,000 is required to open
$10 monthly maintenance fee assessed if balance falls below the $1,000 minimum daily balance
Internet banking, bill payment, e-statements and e-bill delivery are available.  
A Visa check card with no charge for transactions for credit and debit

Disclosures:
Interest starts to accrue the business day you make a deposit.
Interest is accrued daily on the balance.  We use the Daily Balance Method.
Interest is compounded and credited to the account every month.
The disclosed Rates and Annual Percentage Yields are variable and subject to change weekly after the account is opened.
Fees could reduce earnings. 
If you close your account before interest is credited, you will receive the accrued interest due if funds remain in the bank.
Charges may occur if the account is overdrawn or checks are returned for non-sufficient funds.
Partnerships and Corporations do not qualify for SuperNow Accounts due to Federal Regulations. 
ATM use of Visa Check Card at non Farmers Bank ATMs may result in that company’s charges.

Benefits:
Link our Saver Friendly savings product and earn a premium rate of interest.
Internet banking, limited bill payment, e-statements and e-bill delivery are available.
First 50 checks are free.
Minimum of $1,000 is required to open.
$10 monthly maintenance fee assessed if balance falls below the $1,000 minimum daily balance.
Limited monthly transactions:  no more than 6 preauthorized withdrawals, no more than 3 of which may be by check or draft.  Preauthorized transactions include: ACH, Internet Banker transfers, Touch Tone Teller or telephone transfers, overdraft coverage.
Unlimited prearranged transfers between accounts, such as loan payments and Christmas club       payments are permitted.
Unlimited ATM transactions are permitted.  

Disclosures:
Interest starts to accrue the business day you make a deposit.
Interest is accrued daily on the balance.  We use the Daily Balance Method.
Interest is compounded and credited to the account every month.
The disclosed Rates and Annual Percentage Yields are variable and subject to change weekly after the account is opened.
Fees could reduce earnings. 
If you close your account before interest is credited, you will receive the accrued interest due if funds remain in the bank. 
Charges may occur if the account is overdrawn or checks are returned for non-sufficient funds.
Due to federal regulations, Partnerships and Corporations do not qualify for Money Market Accounts. 
Minimum of $1,000 required to receive the Interest Rate.
Transfers from a HI-FI Money Market account to another account or to third parties by preauthorized, automatic or telephone transfers are limited to six per month with no more than three by check, draft or similar order to third parties. 
ATM use of Visa Check Card at non Farmers Bank ATMs may result in that company’s charges.

Benefits:
Excellent rate of return
Link our Saver Friendly savings product and earn a premium rate of interest
Internet banking, limited bill payment, e-statements and e-bill delivery are available
First 50 checks are free
Minimum of $10,000 is required to open
$10 monthly maintenance fee assessed if balance falls below the $1,000 minimum daily balance
Limited monthly transactions of 6 preauthorized withdrawals, 3 of which may be by check or draft
Preauthorized transactions include: ACH, Internet Banker transfers, Touch Tone Teller or telephone transfers, overdraft coverage
Unlimited prearranged transfers between accounts, such as loan payments and Christmas club       payments are permitted
Unlimited ATM transactions are permitted  

Disclosures:
Interest starts to accrue the business day you make a deposit.
Interest is accrued daily on the balance.  We use the Daily Balance Method.
Interest is compounded and credited to the account every month.
The disclosed Rates and Annual Percentage Yields are variable and subject to change weekly after the account is opened.
Fees could reduce earnings.
If you close your account before interest is credited, you will receive the accrued interest due if funds remain in the bank.
Charges may occur if the account is overdrawn or checks are returned for non-sufficient funds.
Due to federal regulations, Partnerships and Corporations do not qualify for Premium Money Market Accounts. 
If the balance falls below $1,000 during any day of the monthly statement cycle, the monthly service charge is $10.00. 
Minimum $10,000 required to receive the Premium Interest Rate.
Rate is tiered under $10,000, based on HI-FI Money Market Rate.
Transfers from a Premium Money Market account to another account or to third parties by preauthorized, automatic or telephone transfers are limited to six per month with no more than three by check, draft or similar order to third parties.
ATM use of Visa Check Card at non Farmers Bank ATMs may result in that company’s charges.
If the balance falls below $10,000, the account accrues interest at a different tier level.