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Business / Treasury Management

Treasury Management

The Farmers Bank’s Treasury Management services are designed to provide the tools your business requires to grow and succeed. We use modern technology and flexible applications that can be tailored to accommodate your unique business needs.

Business Checking Accounts

Businesses come in many sizes, needing solutions for their unique banking demands.  The Farmers Bank lets you customize and manage your banking with our Business Essentials checking package.  We’ve identified some additional services we offer to help you manage your business --- many with waived or discounted fees.

Business Checking

A checking account designed for small business owners who need a simple checking plan with limited transaction volume.

  • $100 opening deposit required.
  • No minimum balance required.
  • No monthly maintenance fee.
  • Free Debit Card (must have business and individual name).
  • Up to 200 free transactions per statement period.  ($.25 per transaction for each transaction over 200 per statement period).  Transactions include: ACH debits & credits, checks and other debits, deposited items and other credits (including deposit slip) and ATM transactions.

Commercial Business Checking

A full service analyzed account with earnings credit.

  • $100 opening deposit required.
  • Monthly maintenance fees are determined by an analysis of the account.
  • Earnings credit is calculated on net average collected balance less reserves.
  • Fees are based on account activity and services provided.

Business Savings Accounts

Savings is an investment opportunity – an investment in a secure future. The Farmers Bank offers a number of business savings program opportunities to fit any need.

Advantage Savings

A higher interest savings program for the larger investor with withdrawal capabilities.

  • $15,000 minimum opening balance.
  • 4 withdrawals (debits) per statement period.
  • Interest is compounded weekly.

Money Market Investment

Investment account which pays rates based upon a tiered interest rate structure.

  • $1,000 minimum opening balance
  • 6 withdrawals (debits) per statement period.
  • Interest is compounded monthly.

Regular Savings

Flexible account which earns interest and allows funds to be withdrawn anytime.

  • $50 minimum opening balance.
  • 6 withdrawals (debits) per statement period.
  • Interest is compounded monthly.

Sweep Accounts

The Farmers Bank Sweep account allows your organization to optimize the earning potential of excess funds and minimize borrowing fees by utilizing our investment and loan sweeps. You determine the target balance in your checking account that best suits your business strategies and let the sweep automatically transfer funds for you.

Investment Sweep:
  • Convenient
  • Liquidity of funds
  • Increased earning potential
  • Competitive rate
Loan Sweep:
  • Eliminate overdrafts
  • Minimize borrowing costs
  • Increase efficiency

Business Online Banking

You are about to transform your company computer into a branch office of our financial institution. With some help from the Internet, you will have full service access to your accounts in a completely secure environment. Within your office, you will have access to an array of services customized specifically for your business. You choose the services.

  • Fund Transfers
  • Cash Concentration/Disbursement
  • Direct Deposit
  • Direct Payment
  • Wire Transfer
  • Stop Payments

Security is extremely important when it comes to your financial matters. Complete privacy, controlled through encryption and passwords, ensures only authorized access to your accounts.

Merchant Capture

Merchant Capture is like having a 24-hour bank teller right in your office. Benefits to your organization include:

  • Faster funds availability
  • Make deposits at anytime
  • Save time preparing deposits
  • Reduce transportation costs
  • Convenience
  • Reduce risk of check fraud
  • Consolidate funds from remote locations into one bank

Contact our Treasury Management department at 765-654-8731 to learn more today!

To report a lost or stolen credit card or for 24 hour card member service please call 1-800-558-3424. Outside the U.S. call 701-461-1556 collect.