Lock Boxes

A great way to keep your documents, records, and other sensitive materials in a safe and secure place.

Instant Access

With Instant Access from Farmers Bank you can access your account information 24/7.  This is a free service offered to you to make managing your finances easier.  With Instant Access you can:

• Obtain account activity and balance
• Transfer funds between accounts
• Obtain loan information

Just call (270) 365-6543 to start accessing your account today!

Overdraft Protection
We have you covered!

Automatic Transfer System (ATS)

• Sets up an automatic transfer from your checking or savings account in the event of an overdraft
• Can advance in increments of $100, $500 or $1000
• $5 fee for each transfer

Personal Cash Reserve (PCR)

• Line of credit tied to your checking account
• Advances in $100 increments to cover your overdraft
• Simple interest accrual
• Simply complete a loan application to start the process
• Low monthly payments of $20.00 or 5% of the balance will automatically be deducted from your checking account
• Small annual fee of $20.00 to keep the line open
• Can be used for whatever purpose desired
• Activity will be printed separately and included on your monthly bank statement

Overdraft Privilege (ODP)

• Pre-approved overdraft in the amount of $500
• Must bring your account to a positive status once every thirty days
• Overdraft fee of $25.00 assessed per item
• Automatically added to your account after 30 day monitoring and account handled in a satisfactory manner
• Can be removed at any time