Consumer/Individual Accounts

Farmers Gold

• Monthly Service Charge, which includes the following:....$7.50/mo (interest rates are subject to change)
• Interest will be paid on collected balances over $1,000.00 compounded daily and paid monthly.
• Unlimited check writing
• No minimum or average balance required
• Ready Reserve Overdraft Protection, debit card (subject to credit approval)
• Check - printing  -  wallet only

• Minimum Balance to avoid a service charge is $500.00
• If minimum balance of $500.00 is not Maintained, Maintenance fee imposed on statement cycle.......$7.00/mo.

• Monthly maintenance fee.....$2.50/mo.
• Fee per debit....$ .30

• Minimum Balance to avoid service charge is $750.00
  (interest rates are subject to change)
• Interest will be paid on collected balances, compounded daily and paid monthly
• If the balance falls below $750.00 on any day in the cycle: Maintenance Fee imposed on statement cycle....$2.00/mo.
  Fee per debit....$ .30

• Minimum balance is $2,500.00
  (interest rates are subject to change)
• Interest will be paid on collected balances, compounded daily and paid monthly
• If minimum balance of $2,500.00 is not maintained, Maintenance fee imposed on statement cycle....$10.00/mo.
• Maximum withdrawls per month is six (6), Only three (3) by check. If withdrawals Exceed six (6) per month, per debit fee Charged....$10.00/trans.

• Minimum balance is $25,000
  (interest rates are subject to change)
• Interest will be paid on collected balances, compounded daily and paid monthly
• If minimum balance of $25,000 is not maintained, Maintenance fee imposed on statement cycle....$10.00/mo.
• Maximum withdrawals per month is six (6). Only three (3) by check. If withdrawals Exceed six (6) per month, per debit fee charged....$10.00/trans.

• For customers 50 years of age and over
  interest rates subject to change
• Interest will be paid on collected balances, compounded daily and paid monthly.
• No minimum balance required
• Check printing (wallet)....no charge
• Direct deposit..................no charge
• Telephone transfers........no charge
• ATM/Check card...............no charge
• Travelers Cheques..........no charge
• Cashiers Checks &



Money orders..................no charge

• Opening balance..............$100.00
• Bank wallet checks..........first order free
• Service charge.................no charge

interest rates are subject to change

• Interest will be paid on collected balances, compounded daily and paid quarterly
• If balance falls below $200.00 on any day of the month, maintenance fee imposed per month.....$2.00/mo. (minor account not subject to maintenance fee)
• Maximum withdrawals per quarter is six (6). If withdrawals exceed two (2) per month, per excess withdrawal fee charged.....$ .50/trans.

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