Personal Checking Accounts
Personal Checking Account Options
Come into one of our 12 convenient locations to set up a checking account.
Free & Easy Checking
A free account for everyone!
Additional Information:
- No minimum balance
- No monthly service fee
- $50 minimum deposit to open
Direct Interest Checking
Earn interest with the convenience of direct deposit or any automatic payment!
Additional Information:
- Competitive interest
- No minimum balance
- No monthly service fee
- $50 minimum deposit to open
50+ Interest Checking
A perfect personal checking account for customers who are 50 years or older!
Additional Information:
- Free personalized safety checks
- Competitive interest
- No minimum balance
- No monthly service fee
- $50 minimum deposit to open
Premium Interest Checking
A personal checking account for customers who are interested in higher interest!
Additional Information:
- Free personalized checks
- Higher interest rate with balance of $1,500 or more
- Competitive interest rate if balance falls below $1,500
- Only $7 monthly charge if minimum balance falls below $1,500
- $50 minimum deposit to open
All Accounts Include These FREE Benefits:
- Free Debit Card
- Free Online Banking
- Free Bill Pay
- Free Mobile Banking with Mobile Deposit
- Free eStatements
- Free Thank You Gift
- We will buy back unused checks and debit cards from another financial institution
*Other fees such as non-sufficient funds, overdraft fees, etc. may apply. See fee schedule for details. Minimum opening deposit is only $50. Ask us for details. Bank rules and regulations apply. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of checking account opening. We reserve the right to substitute a gift of similar value. Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented.
Checking Account Options
Farmers National Bank offers four types of personal checking accounts with various features to meet your needs. Setup is easy, so contact us today.
Free Products & Services
Each of our accounts have many FREE products and services. For each checking account you open, you receive a FREE gift. Stop into one of our locations for assistance.
Referral Benefits
If you’re a current customer and you refer a friend or family member—and when that person opens an account—you will BOTH get a FREE gift! Learn about Tell-A-Friend!
Free Debit Cards with All Checking Accounts
Farmers National Bank customers receive a FREE debit card with any of our checking accounts. Do you have a favorite hometown team? We have school-themed debit cards to show your school pride!
Choose the Right Checking Account
Choosing the right checking account is an important financial decision that can help you manage your money with ease. Yet, with so many options available, it can be difficult to know which checking account is right for you. This pressure is heightened by the fact that our increasingly cash-free society means that you likely rely on your checking account more than ever for daily purchases, making it critical that you find a checking account that fits your lifestyle.
The fact is that choosing the right checking account is essential for Kentucky families, as a good personal checking account can help you keep track of deposits, payments, and spending while ensuring the protection of your hard-earned money. If you’re looking for a personal checking account that will offer the convenience, security, and quality customer service you need, look no further than Farmers National Bank.
As a trusted community bank that has been serving individuals and families across Kentucky for almost 150 years, not only do we offer personalized services you can count on, but we also offer multiple checking account options to meet your needs, as well as digital banking tools that allow you to manage your money on the go. Keep reading to learn more about our personalized services and the benefits of working with a local community bank.
Benefits of a Personal Checking Account
Features Designed for Everyday Banking
At Farmers National Bank, we offer the features Kentucky residents need to stay on top of their finances and manage their money with ease. While we strive to provide excellent customer service to each member of the community by providing a more personalized banking experience, we also know that online banking is more important than ever to our customers, as it allows them to bank on the go. This is why we provide easy-to-use, secure online and mobile banking features that allow our customers to check their balance, move money between accounts, and request a new card right from their phone or laptop. This ensures that customers can handle their money in the manner most convenient to them, whether they prefer to handle their money online or talk to a person at one of our conveniently located branches.
Why Choose a Local Kentucky Community Bank
If you’re looking to open a new checking account, it can be difficult to know which bank you should work with, as there are more options than ever. While it may be tempting to choose a larger bank due to the name recognition, there are many advantages that come with banking with a local institution. Just a few of the benefits that come with choosing a local Kentucky bank include:
- Personalized Service: Since local banks often do not have the same brand recognition as national banks, they focus on providing exceptional customer service to set themselves apart from the competition. When working with a local bank, you are no longer seen as just an account number. Instead, you can expect personalized service from knowledgeable staff who understand the needs of local community members.
- Accessible Branch Locations: There is often a misconception that banking with a community bank is less convenient than working with a national bank. However, at Farmers National Bank, we have branches and ATMs throughout Central Kentucky, ensuring you have quick, easy access to the banking services you need.
- Commitment to Customer Service: When you bank with Farmers National Bank, you benefit from our commitment to supporting each of our customers and community. At Farmers National Bank, we strive to get to know each of our customers so that we can provide them with personalized services and develop long-term customer relationships. Our goal is to support individuals, families, and local communities by working with them to help them meet their long-term financial goals.
How to Open a Personal Checking Account
Of course, if you’ve never had a checking account before, or it has been a long time since you opened one, you may be unsure how to open a new checking account. The good news is that this process is straightforward, and we strive to make it as simple as possible for our customers. To help get you started, here’s a quick overview of the steps involved in opening a new personal checking account:
- Compare Options: Before you can open a new checking account, you’ll first need to compare your options and decide which checking account is right for you. This will ultimately depend on your needs, as different accounts will provide different benefits, such as no minimum balance or higher interest rates.
- Gather Necessary Documents: Once you’ve chosen a checking account you think will meet your needs, you should take a moment to gather the necessary documents. Items you may need include your ID/passport, Social Security number, and proof of address.
- Apply by Phone or in Person: At Farmers National Bank, our friendly, knowledgeable staff makes this process easy by helping you choose the right account to meet your needs and walking you through the process of setting up features such as direct deposit and online banking. You can open an account at any of our convenient 12 locations.
- Fund the Account: Once you’ve opened a checking account, you’ll likely be required to make an initial deposit to fund the account. At Farmers National Bank, we require a minimum $50 deposit to open a new checking account.
Need to Open a Checking Account? Contact Farmers National Bank Today!
Whether you’re ready to open your first checking account or you’re considering moving your money to a different financial institution, you should consider one of our checking account options at Farmers National Bank. Our checking accounts offer the financial tools you need to manage your money efficiently, ensuring that you have what you need to meet your financial goals.
If you’re ready to open a new checking account, consider stopping by one of our 12 convenient locations throughout Kentucky to learn about your options. Our friendly, knowledgeable staff can help you choose the right checking account to manage your finances with confidence. Contact us today to learn more.
