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Savings Products

Farmers National Bank offers a variety of savings products paying competitive interest rates to fit your needs. Choose the savings product that’s right for you.

Traditional Savings Account

Our savings account is for traditional savings needs and offers you a competitive rate.

Other benefits include:
  • Interest compounded and credited quarterly
  • Quarterly statement of activity
  • Combined statement availability
  • FREE Online Banking access
  • FREE ATM access when combined with a checking account
  • Account is FREE to account holders under the age of 18
A $1.00 is waived by maintaining a daily balance of $50 or maintaining another deposit or loan account with a ledger balance of $1,000 or more.

Withdrawals by preauthorized, automatic, telephone, or computer transfers are limited to six per month.

Money Market

An easily accessible account that pays competitive rates.  A $2,500 minimum opening balance is required.

Other benefits include:
  • Monthly statement of activity
  • Imaged checks printed in check number order are returned in monthly statement
  • Combined statement availability
  • Interest compounded and credited monthly
  • FREE Checks
  • FREE Debit Card & ATM access (Privileged Status)
  • FREE Online Banking access
  • Automatic funds transfer available
Withdrawals by preauthorized, automatic, telephone, or computer transfer and by check or debit card are limited to six per month.

Investment Plus

Earn a very competitive rate of interest on your Investment Plus Account based on the balance you maintain.

Other benefits include:
  • Monthly statement of activity
  • Imaged checks printed in check number order are returned in monthly statement
  • Combined statement availability
  • Interest compounded and credited monthly
  • FREE Checks
  • FREE Debit Card & ATM access (Privileged Status)
  • FREE Online Banking access
  • Automatic funds transfer available
Withdrawals by preauthorized, automatic, telephone, or computer transfer and by check or debit card are limited to six per month.

Certificate of Deposit

Invest your money safely into a competitive interest rate with a Farmers National Bank Certificate of Deposit. Maturities range from three months to five years. Minimum of $500.00 opening balance.

Christmas Club

Our savings program for holiday giving that offers you a competitive rate.
  • Select any amount to open at any time of the year
  • Free automatic transfers
  • Interest compounded and credited annually in October
  • Free access to online banking
  • Quarterly statement or combined statement availability
No monthly fee for the account. No withdrawals from the account; balance is disbursed in October.

Debit Card

Farmers National Bank Debit Card lets you access your checking account without the hassle of writing a check!  Make purchases at the grocery store, gas station, mall – wherever MasterCard® is accepted.  FNB Debit Cards are equipped with an EMV technology for added protection.  EMV (Europay, MasterCard, Visa) is a microchip technology that provides increased security capabilities and has successfully reduced counterfeit fraud around the world.  


Use the Debit Card to access your checking and savings account through any ATM – worldwide! FNB is a member of the surcharge free ATM network, MoneyPass.  Please use the link below to find participating ATMs near you.  Look for the MoneyPass logo on the ATM.

https://www.moneypass.com/index.html

Money Pass

FNB Fraud Center helps secure our cardholders’ information and protect against fraudulent transactions 24/7.  If suspicious transactions are detected, a fraud analyst will attempt to contact you by phone, text and e-mail to verify the authenticity of the suspicious ATM/Debit transaction.  The fraud analyst may ask you to provide some information to help identify you as the cardholder.  The fraud analyst will NEVER ask you for your complete debit card number, PIN, full Social Security Number, or account number.  The Fraud Center approved times for contacting cardholders are 8 AM – 9 PM by phone call, 7 AM – 9 PM by text, and 24/7 by e-mail alerts.

Your card will be immediately disabled if fraud is confirmed.  If you cannot be contacted, your card may be temporarily blocked until the transaction can be verified.