PERSONAL CHECKING

Checking accounts to fit your everyday life…

At The Farmers Bank, we know that you want a checking account that works for you. Take control of your day-to-day finances with account features that take the worry out of banking… so you can spend more time living.

	Sprout*	Foundation	Thrive	Prosper
Opening Deposit Required	Yes	Yes	Yes	Yes
Monthly Service Charge		Yes	Yes	Yes
Cash Back Reward			Yes
Tiered Interest Rates				Yes
E-Statements	Yes	Yes	Yes	Yes
ATM/Debit Card	Yes	Yes	Yes	Yes
Online and Mobile Banking	Yes	Yes	Yes	Yes
Bill Pay		Yes	Yes	Yes

* Under age 18 only, debit card available, restrictions apply

SPROUT CHECKING ACCOUNT (Under age 18 only)*

Minimum deposit to open – $25
No minimum balance or monthly service charge
eStatements² or paper statements available at no charge
Debit card available (restrictions apply)
Foreign ATM fees refunded up to $25 per statement period
Quarterly dormant service charge – $5. Account becomes dormant after 1 year with no activity with a balance of $500 or less
This account requires a joint owner age 18 or older

FOUNDATION CHECKING ACCOUNT

Minimum deposit to open – $25
Debit card available
eStatements² or paper statements available at no charge
Monthly service charge – $6
The monthly service charge is refunded if two of the following requirements are met during each statement period:
– Enroll in eStatements²
– Maintain a daily balance of $500 or more during the monthly statement period
– Have at least 15 debit card purchase transactions post and settle to the account during the monthly statement period

THRIVE CHECKING ACCOUNT**

Minimum deposit to open – $25
Debit card available
eStatements² or paper statements available at no charge
Monthly service charge – $9
A refund of up to $9 per statement period can occur. You will receive a $0.15 credit per each debit card purchase transaction that posts and settles to your account during the same statement period.
The Thrive Checking account offers a monthly opportunity to receive a $5 cash reward. To receive your cash reward:
– Be enrolled in and agree to receive eStatements² and each monthly statement period thereafter;
– Receive a direct deposit¹ of $250 or more into your account; and
– Complete at least 15 debit card purchase transactions that post and settle to your account and each monthly statement period.
A cash reward will be credited to your account when your monthly statement generates. If the account is closed before cash reward is credited, you will forfeit the cash reward.

PROSPER CHECKING ACCOUNT***

Minimum deposit to open – $25
Debit card available
eStatements² or paper statements available at no charge
Monthly service charge – $10 service charge if balance falls below $1000 during the monthly statement period
The Prosper account pays interest. A tiered rate is applied to the account balance during the monthly statement period. To receive the tiered rates, just meet the following requirements each monthly statement period:
– Be enrolled in and agree to receive eStatements²;
– Receive a direct deposit¹ of $250 or more into the account; and
– Complete at least 15 debit card purchase transactions that post and settle to the account
When qualifications are met during the statement period:

	Interest Rate	Annual Percentage Yield (APY)
Balances up to and including $15,000	2.50%	2.53%
Balances over $15,000	0.15%	2.53% to 0.46% depending on the account balance

When qualifications are not met during the statement period:

	Interest Rate	Annual Percentage Yield (APY)
Full balance during the statement period	0.05%	0.05%

¹DIRECT DEPOSITS: AN ELECTRONIC CREDIT VIA THE AUTOMATED CLEARING HOUSE (ACH) SYSTEM DEPOSITED TO YOUR ACCOUNT DURING THE CURRENT STATEMENT PERIOD. PREAUTHORIZED TRANSFERS MADE FROM: ONE ACCOUNT TO ANOTHER, OR DEPOSITS MADE AT A BRANCH, ONLINE TRANSFER, MOBILE DEVICE, OR THE MAIL ARE NOT ELIGIBLE TO MEET THIS REQUIREMENT.

²E-STATEMENTS (PAPERLESS STATEMENTS). ONLINE BANKING IS REQUIRED TO ACCESS ESTATEMENTS.

** LIMIT OF 1 THRIVE ACCOUNT PER TAXPAYER IDENTIFICATION NUMBER
*** LIMIT OF 1 PROSPER ACCOUNT PER TAXPAYER IDENTIFICATION NUMBER