Personal

Review your account options below. You can even open select checking and savings accounts online today!

You'll enjoy your choice of simple, easy to use, affordable checking options packed with extras! Choose extra peace of mind by adding identity theft and fraud protection services to your existing account. We also have several savings options to fit any need.

Checking
Savings
ID Protection
Account Details

Personal Checking Accounts

**Accounts have the following options available: Debit Card, Internet Banking, Bill Pay, Mobile Banking, e-statements, Pop Money, Uchoose Rewards, Annual Financial Review, and Preferred CD Rates

	Relationship Rewards	High Yield Checking	Optimizer Money Market	NOW Account	Regular Checking	Simple Checking
	Most Popular
Interest Bearing	No	Yes	Yes	Yes	No	No
Identity Theft Protection	Yes	Yes	Yes	Yes	Yes	Yes
ATM/Debit Card	Yes	Yes	No	Yes	Yes	Yes
Minimum opening balance	$100	$100	$10,000	$100	$100	$50
Monthly service fee	$7.95	$5.95	---	$5.00	$5.00	No
Minimum balance to avoid fees	---	$500/day	---	$1,000/day	$400/day	No
Minimum balance to earn interest	---	---	$10,000	$1,000	---	No

Savings Accounts

	Statement Savings	Club Savings
Minimum Opening Balance	$100
Minimum Balance to earn interest	$200
Monthly Service Fee	$3 each month balance falls below $100 Students 18 and under waived	---
Interest Compounding Frequency	every 6 months	every 6 months

Identity Theft Products

*The Following Options are available on any Farmers State Bank Checking or Savings Account:

	Most Popular
	ID Protect Plus	ID Protect	ID Restoration
	Enroll Now for Individual Coverage Enroll Now for Joint Coverage	Enroll Now for Individual Coverage Enroll Now for Joint Coverage	Enroll Now for Individual Coverage Enroll Now for Joint Coverage
Prevent Features	Prevention Tips, Statistics & education Newsletter, Credit Monitoring: 1 or 3 Bureaus, Receive Alerts, PayDay Loans	Prevention Tips, Statistics & education, Newsletter	Prevention Tips, Statistics & education, Newsletter
Detect Features	Internet Monitoring Scans & alerts, credit & non-credit, black market	Internet Monitoring Daily Monitor Scans; Email Alerts: Credit & non-Credit, Black Market; Personalized Online Dashboard	One-time Black Market Scan Scans & Alerts, credit & non-credit, black market
Restore Features	Identity Restoration 24/7, fully managed; cancels & replaces cards & ID; restores to pre-theft status	Identity Restoration 24/7, fully managed; cancels & replaces cards & ID; restores to pre-theft status	Identity Restoration 24/7, fully managed; cancels & replaces cards & ID; restores to pre-theft status
Individual Account Coverage	$7.95 Enroll Now for Individual Coverage	$4.95 Enroll Now for Individual Coverage	$4.25 Enroll Now for Individual Coverage
Joint Account Coverage *For the Joint Account Option, the individuals must be on a joint account and this is limited to 2 people total.	$12.95 Enroll Now for Joint Coverage	$7.95 Enroll Now for Joint Coverage	$6.95 Enroll Now for Joint Coverage

Additional information on each of the products can be obtained by contacting Farmers State Bank at 217-285-5585 or by sending an email using our secure Contact Us form.

NOTE: Once you have signed up for ID Theft Protection products, you will receive an email with a welcome letter from Deluxe Provent. This correspondence will provide you information regarding your coverage, including instructions for activating the Internet and Credit Monitoring portions, if applicable, of your service.

For more information on how to keep your identity safe, click here for helpful tips.

If you wish to cancel your Deluxe Provent Identity Theft Protection, please click the link below to submit a cancellation form.

Provent Cancellation Form

Deluxe Account Holder Support

Resolution Specialist Phone Support: 1-866-460-0095

email Support: deluxeprovent@ezshield.com

Monday through Friday: 7:00am - 7:00pm CST

Personal Checking Options

Relationship Rewards Checking

$100 minimum opening deposit

No minimum balance required

Monthly Fee of $7.95

Monthly ATM Fee Refund up to $10

Relationship Rewards Debit Card

Internet Banking

Bill Pay

Overdraft Privilege available upon approval

Safe Deposit Box Discount

Paper Statement

Earn points by utilizing our banking services!

High Yield Checking

$100 minimum opening deposit

$5.95 Monthly Maintenance Fee if the account balance falls below $500 any day of the month

Pays Interest-Variable Interest Rate

You may receive $10 in ATM refunds if the criteria is met per statement cycle

Paper Statement Fee of $3 per month, refunded with e-statement enrollment

Internet Banking

First box of Specialty Lemon checks at no cost

Bill Pay

Visa Check Card: Charge will apply each time a transaction is made at a non-Farmers State Bank ATM

UChoose® Rewards Available

Overdraft Privilege available upon approval

Available on personal accounts

Higher Yield paid on balance below $25,000 if criteria is met.

Criteria: 10 signature based debit card transactions that post in a statement cycle, one third party direct deposit, e-statements, and access Internet Banking at least once per cycle to qualify for the higher rate and refund of ATM charges

Optimizer Money Market

$10,000 minimum opening deposit

Transaction limit of 6 per cycle, minimum debit fee of $10 will be charged for each debit item in excess of 6 during a month

Minimum amount you may withdraw is $500

Pays interest on account balances of $10,000 and over

e-Statements or Mailed Monthly Paper Statements

Internet Banking

NOW Account

$100 minimum opening deposit

$5.00 Monthly Maintenance Fee if the account balance falls below $1,000 any day of the month

Must maintain a minimum balance of $1,000 in the account each day to obtain the disclosed annual percentage yield

e-statements or Mailed Monthly Paper Statements

Visa Check Card: Charge will apply each time a transaction is made at a non-Farmers State Bank ATM

UChoose® Rewards Available

Internet Banking

Bill Pay

Overdraft Privilege available upon approval

Regular Checking

$100 minimum opening deposit

$5.00 Monthly Maintenance Fee if the account balance falls below $400 any day of the month

e-statements or Mailed Monthly Paper Statements

Visa Check Card: Charge will apply each time a transaction is made at a non-Farmers State Bank ATM

UChoose® Rewards Available

Internet Banking

Bill Pay

Overdraft Privilege available upon approval

Simple Checking

$50 minimum opening deposit

No minimum balance required

Paper Statement Fee of $3 per month, refunded with e-statement enrollment

Visa Check Card: Charge will apply each time a transaction is made at a non-Farmers State Bank ATM

Internet Banking

Bill Pay

Overdraft Privilege available upon approval

Username:
Password:

Personal

Personal Checking Accounts

Savings Accounts

Identity Theft Products

Personal Checking Options

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