Personal Banking

Farmers Bank of Willards Checking Account Features
Unlike other banks the Farmers Bank has no minimum balance requirement or combined deposit requirement in order to receive free checking and avoid all monthly maintenance fees. With The Farmers Bank of Willards your checking account has the following features:
  • Unlimited check writing
  • Free Online Banking
  • Free Online Bill Pay
  • Free Visa Debit Card
  • Free ATM transactions on accounts at all Farmers Bank ATMs
  • Unlimited free Visa Debit Card purchase transactions
  • Unlimited branch teller transactions
  • Free check safekeeping or check images with monthly statement
  • Unlimited calls to our customer service center
  • Unlimited calls to automated telephone banking
  • No monthly or annual fees

The Farmers Bank prides itself on an extremely personal approach to banking. For you our valued customer, we will provide a full range of services and products designed to fit the way you live and work. Products like the Visa Debit Card, free checking, no minimum balance requirements, personal loans and lines of credit and other products that will help you save money for your children’s college education.

Checking
The Farmers Bank of Willards’ checking accounts provides unlimited check writing with no minimum balances and no monthly fees. We offer a true free checking account unlike many of our competitors who have a ‘fee structure’ depending on your account balance.

Visa Debit Cards
The Farmers Bank of Willards Debit Card, also sometimes known as a Visa Check Card, does everything an ATM Card can do and more. Your Debit Card can be used to withdraw cash or make purchases at over 500,000 locations displaying the Star, Cirrus or Visa sign. It’s as simple as handing your card to the merchant or swiping it at the cash register where money comes directly from your checking account.

Savings and Time Deposits
The Farmers Bank of Willards offers a wide range of savings and time deposit accounts depending on your specific needs. Our regular savings account has a great deal of flexibility with no minimum balance requirement and is ideal for many customers. For those who want higher interest rates, the bank offers you a choice between certificates of deposit and a money market savings account which offer the ultimate in liquidity at a moments notice.

For Savings & Money Market Transaction Limits, click here

Convenient Computer & Telebanking
In order to enable you to bank on your schedule, day or night, even if you are on the road The Farmers Bank of Willards allows you to check on your balances, as long as you can access a phone or a computer. For complete details see our section on Online Banking.

For other fees applicable to your account, please ask for our Deposit Account Fee Schedule. For additional terms and conditions, please refer to the disclosures for Deposit Accounts and Deposit Account Agreements. You may receive a copy of any of these documents by calling 410-835-8906, or visiting any one of our eight branches.