Commercial Checking


Business Banking Services:

  • VISA Business Check CardBusiness Banking
  • Commercial Credit Card Applications 
  • Savings
  • Certificates
  • Merchant Services- Instantly transfer credit and debit card purchases from your business to your checking account with Farmers Bank.  Talk to a CSR to find out about setting up payment systems through one of our partners. 
  • Night Deposit– Using Farmers Bank zipper or locked bags, or our provided envelopes, leave your items in our secure Night Deposit safes to be processed the next business day – a service available at all our branch locations.

There are different account types for businesses depending on your entity structure.  See your CSR for eligibility requirements.  Accounts are similar to the personal accounts with some differences as below: 

 Hometown Business Checking*

An unlimited, non-interest bearing checking account.

  • $300 minimum to open account
  • Must maintain a minimum balance of $1,000.00 to avoid a service charge. If balance falls below $1,000.00 in any month then there is a $20.00 charge.
  • NO Service Charge for Non-Profit Organizations
  • Night Deposit Services available for your convenience
  • Merchant Card Services available
  • Large selection of business check styles
  • Statements available on CD, online, etc.
  • Check images are available through Online Banking
  • Online banking with Bill Pay

            *Fees and service charges may reduce earnings.


An unlimited, interest bearing checking account.  Available to all business entities. 

  • $300 minimum deposit to open new account
  • No monthly service charge by maintaining an average balance of $1,000.  Below $1,000 average balance, a $20 monthly service charge
  • No charge on first 150 non-Farmers Bank items deposited.  A charge of .25 cents per item over 150
  • Unlimited check writing
  • Online banking with Bill Pay
  • Visa Debit Cards available*
  • Merchant Services

 NOW Sterling Business Checking*

An unlimited checking account which pays interest.  Some limitations on eligible account holders.

  • $300 minimum deposit to open new account
  • The NOW account offers no monthly service charge by maintaining an average balance of $500.  Below $500 average balance, a $10 monthly service charge
  • Unlimited check writing
  • Online banking with Bill Pay
  • VISA debit card available*
  • Merchant Services


Repurchase Agreement Sweep Account*: 

The Repurchase Agreement Sweep Account provides an automated cash management vehicle for transferring a portion of your Business Checking collected balance to and from a Securitized Repurchase Agreement Investment on a daily basis.  Some key features of this account include:

  • Earn competitive market rates on the excess cash in your business checking account
  • Be informed of transactions with daily e-mail confirmations
  • Backed by U.S. Government Treasury and Agency Bonds, the investment is 100% collateralized

Target Balance is $25,000 above which funds are swept.  The portion invested is not FDIC insured.  The amount below the target balance that is not swept is FDIC insured.


Your Customer Service Representative will be glad to answer any questions. Click here for our Rate Sheet!

*Interest rates are subject to change at any time.  Fees and service charges may reduce earnings.


The Unlawful Internet Gambling Enforcement Act of 2006 prohibits business entities from accepting payments into their deposit account maintained at any U.S. financial institution for Internet gambling effective December 1, 2009.  Each financial institution is required to provide their commercial customers this notice.