Checking Accounts

Personal and Business Regular Checking

  • $100 minimum deposit to open account
  • $400 minimum average balance for monthly statement cycle to avoid $2.00-$5.00 service charge
  • No monthly fee for full time students and senior citizens 62 years old or older upon notification to the bank
  • No transaction fees
  • Monthly statements
  • Online banking and Bill Pay internet banking services (coming soon)
  • Free SHAZAM® ATM or SHAZAMChek® Debit Card for those who qualify
  • Direct Deposit Available
  • FDIC insured up to $100,000

NOW Account

  • $1,000 minimum deposit to open account
  • $1,000 minimum daily balance for monthly statement cycle to earn disclosed annual percentage yield and avoid $10.00 service charge
  • Interest accrued daily and credited to account monthly
  • Accrued interest is not received if account is closed before interest is paid
  • No transaction fees
  • Monthly statements
  • Online banking and Bill Pay internet banking services (coming soon)
  • Free SHAZAM® ATM or SHAZAMChek® Debit Card for those who qualify
  • Direct Deposit Available
  • FDIC insured up to $100,000

Super NOW Account

  • $5,000 minimum deposit to open account
  • $5,000 minimum daily balance for monthly statement cycle to earn disclosed annual percentage yield and avoid $10.00 service charge
  • Interest accrued daily and credited to account monthly
  • Accrued interest is not received if account is closed before interest is paid
  • No transaction fees
  • Monthly statements
  • Online banking and Bill Pay internet banking services (coming soon)
  • Free SHAZAM® ATM or SHAZAMChek® Debit Card for those who qualify
  • Direct Deposit Available
  • FDIC insured up to $100,000

Money Market Account

  • $2,500 minimum deposit to open account
  • $2,500 minimum daily balance for monthly statement cycle to earn disclosed annual percentage yield and avoid $10.00 service charge
  • Interest accrued daily and credited to account monthly
  • Accrued interest is not received if account is closed before interest is paid
  • Tiered interest rate structure for higher balances
  • Transaction limitations apply
  • Monthly statements
  • Online banking and Bill Pay internet banking services (coming soon)
  • Free SHAZAM® ATM or SHAZAMChek® Debit Card for those who qualify
  • Direct Deposit Available
  • FDIC insured up to $100,000
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Savings Accounts

  • $50 minimum deposit to open account
  • Transaction limitations apply to avoid a service charge
  • Interest accrued daily and credited to account semi-annually
  • Accrued interest is not received if account is closed before interest is paid
  • Online internet banking services (coming soon)
  • Free SHAZAM® ATM Card for those who qualify
  • Direct Deposit Available
  • FDIC insured up to $100,000
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Christmas, Vacation and Woodhaven Club Accounts

  • $1 minimum deposit to open account
  • Designed for weekly deposits to account
  • Interest accrued daily and credited to account semi-annually and at maturity
  • Early withdrawal will result in closing of account and non receipt of accrued interest
  • Maturity date for Christmas Club is the last Friday of October each year
  • Maturity date for Vacation Club is the first Friday of June each year
  • Maturity date for Woodhaven Club is the first Friday of February each year
  • FDIC insured up to $100,000
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Time Certificates of Deposit

  • Competitive, guaranteed rates for term of deposit
  • $1,000 minimum deposit to open account ($500 for minors) and earn disclosed annual percentage yield
  • Annual percentage yield assumes interest will remain on deposit until maturity
  • A withdrawal of interest will reduce earnings
  • Available in terms from 91 days to 30 months
  • Interest accrued daily and compounded monthly, quarterly or semi-annually
  • Interest can be compounded back into CD, be paid directly to your checking or savings account, or be paid by check
  • A penalty may be imposed for early withdrawal
  • FDIC insured up to $100,000
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Individual Retirement Accounts

Traditional IRA

Traditional IRA contributions are generally tax-deductible, creating the opportunity for you to save for the future, by reducing today's tax liability. Plus, your earnings grow tax deferred.

  • May be tax deductible depending upon your income
  • Principal and earnings are tax deferred until withdrawn

ROTH IRA

The Roth IRA gives you flexibility in saving and provides a new way to accumulate tax free funds for the future. The Roth IRA allows your investment dollars to build and be withdrawn tax free under certain conditions.

  • Interest is tax free after five years and age 59 1/2, disabled, deceased or first time home purchase
  • Contributions not taxed when distributed
  • Conversions from Traditional IRAs permitted
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Farmers State Bank of Sublette reserves the right to deny the use of any of its banking products based on sound business practices. Farmers State Bank of Sublette offers its banking products to customers in its trade area.


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