My Bank for life.


Convenience Services

The Farmers Bank offers a variety of convenience services developed for today's busy lifestyles. Whether you want to bank at one of our branch offices, your home, your office, or from the other side of the world, we have a product that's right for you!

Online Banking

Use our online banking services with complete confidence. We use the highest level of encryption protection and authentication technology available to safeguard your account information. Both our personal and business customers can access their balances and view detailed information on all of their accounts any time, day or night.


Introducing Messenger™ our latest improvement for your online banking experience.  Manage your account better with email message alerts.  You customize the settings and get just the information you want.  Click here for instructions on how to set up an alert with Messenger™

Online Bill Payment

Paying your bills has never been easier. Online Bill Pay is the simple and secure way to pay all your bills. It is the most effective way to take control of your time and money. With Online Bill Pay we're always open. You can pay your bills whenever you want. All you need is a computer with Internet access and best of all it's FREE!

Telephone Banking

Quick and easy access to your bank account information from any touch-tone telephone, 24 hours a day, seven days a week.

One simple call lets you:

  • Receive your bank account information via a touch-tone phone
  • Receive information on your:
    • Checking Accounts
    • Savings Accounts
    • Certificates of Deposit
    • Loans
  • Access from any touch-tone phone
  • Utilizes a Personal Identification Number (PIN) for access and identity verification
  • Leave voice messages for your banker

How do you access Telephone Banking?

To access information about your personal accounts you must obtain a Personal Identification Number (PIN). Please visit or call your Farmers Bank office to request your PIN. Once you have your PIN, you are ready to start using Telephone Banking.

  • Clinton County – (765) 654-6872
  • Boone County – (765) 483-2768
  • Hamilton County – (317) 758-4786

Telephone Banking Menu Options

0 - At any time to speak to a Customer Service Representative during bank hours

1 - Account Information

1 - Checking

1 - Current Balance

2 - Transactions

1 - Transactions that will post today

2 - Most recent transactions

3 - Most recent deposit

4 - All transactions

6 - Verify if specific check cleared

3 - Transfers

1 - Checking to checking

2 - Checking to savings

3 - Savings to checking

5 - Handi-Cash to savings

6 - Loan advance to checking

9 - Return to checking menu

4 - Payments

1 - Loan from checking

3 - Bill payments from checking

5 - Handi-Cash from checking

9 - Return to checking menu

5 - Other

1 - Interest information

2 - Handi-Cash information

9 – Chg. pin # and other accts.

2 - Savings

1 - Current balance & last deposit

2 - Transactions

3 - Transfers

4 - Payment

5 - Interest information

9 - Change pin # and other accts.

4 - Loans

1 - Current balance & loan pymt.

2 - Most recent transactions

3 - Interest information

4 - Transfer funds

5 - Payoff information

9 - Change pin # and other accts.

5 - Change Pin Number

9 - Return to Main Menu

2 - Verify if a specific check has cleared

9 - To end the call

ATM/Check Card

The ATM card that works like a check. Enjoy the convenience of credit card shopping without interest charges or annual fees with your ATM/Check Card! Just present your card and the transaction will be automatically deducted from your checking account and conveniently detailed on your monthly checking account statement.Visit your Farmers Bank office for an ATM/Check Card application today!

To Report a Lost or Stolen ATM/Check Card - (800) 472-3272 


The Farmers Bank has convenient 24 hour ATMs at branch locations in Fishers, Frankfort, Kirklin, Lebanon, Michigantown, Mulberry, Noblesville, and Sheridan. A drive-up ATM is also located at 1951 E. Wabash Street in Frankfort.

Night Depositories

It's easy to make deposits at any time, day or night using our convenient night depositories at all Farmers Bank offices.

Free Direct Deposit

Direct deposit of your government checks, Social Security, and payroll checks provides convenience and peace of mind because you know your deposit is safely made to your account, even when you're away from home. Visit your Farmers Bank office for details.

Domestic and International Wire Transfers

Our Wire Transfer Service lets you transfer money to and from your Farmers Bank account to locations around the world. Visit your Farmers Bank office for details.

Automatic Savings Plans

Sign up to have money automatically transferred on a regular basis from your checking or savings account to another Farmers Bank account.

Automatic Loan Payments

Save money on postage or trips to the bank by automatically paying your Farmers Bank loan every month from your checking or savings account.

Safe Deposit Box

Protect your valuables with a Farmers Bank Safe Deposit Box. Boxes are available at our Fishers, Frankfort, Kirklin, Michigantown, Mulberry, Noblesville, Wesley Manor, Sheridan and Lebanon offices.

Notary Service

Do you need your important documents notarized? We will be glad to notarize your documents at any Farmers Bank office.

Savings Bonds

Getting what you want out of life doesn't have to mean putting your hard-earned money at risk. U.S. Savings Bonds are a safe, easy way to save money and a solid addition to your investment portfolio.


To purchase Savings Bonds, order online at

Mobile Banking

Our new Mobile Banking puts everyday banking tasks at your fingertips. Access your account 24/7 Anytime! Anywhere!

In today's fast paced world, you need access to your money regardless of where you are. Whether you're at home, work, or on vacation, our convenient Mobile Banking services are just a simple click away. learn more >


Need to repay a friend for concert tickets? Have a college student who needs money for groceries? Need to collect gift money for the boss’ baby shower? Forget the hassle of writing checks or running to the ATM. Instead, use popmoney. It’s as easy as sending a text message or an email, and you can send or receive money in as little as one business day. learn more >

Introducing Messenger™

Our latest improvement for your online banking experience.

Manage your account better with email message alerts. You customize the settings and get just the information you want.

Your 24/7 online banking and bill paying connection!

It's fast, convenient and easy to use:

  • View account balances and information
  • View transactions and statements
  • View paid checks online
  • Pay your bills and view payment history
  • Transfer funds between your accounts
  • Make loan payments
  • Re-order checks

Click Here For Instructions on How to set up an Alert with Messenger

Overdraft Opt In Form

What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

1. We have standard overdrafts practices that come with your account.
2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions UNLESS YOU ASK US TO (see below):

  • ATM transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If you continue to overdraw your account we could block usage of your debit card.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if The Farmers Bank pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee up to $30 each time we pay an overdraft item with a daily maximum of $180.
  • Also, each time your account is overdrawn for 10 consecutive business days, we will charge an additional $30.
  • There is no limit on the total fees we can charge you for overdrawing your account.

What if I want The Farmers Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call (765) 654-2619 ext. 5601 or complete this Overdraft Opt In Form and present it at a branch or mail it to: The Farmers Bank, Attn:  Reg E, P.O. Box 129, Frankfort, IN  46041.

Please do not send confidential account information in an unsecured email!