Customers of Farmers who used to bank elsewhere, say our common sense approach to providing business banking services is not very... common.

The way we see it, our job is to provide you with solutions to your banking needs that are clear, direct and beneficial to managing and growing your business.

If you don

Why Local is Better for Your Business
As a true community bank, the tri-county area is the only place we do business. Your business won't get lost in the shuffle at Farmers, because you represent the heart of what has made us a successful bank since 1887.

An example of how we do things differently, is the level of authority we give to our branch managers. Your branch manager is someone with the authority to make a range of decisions... not someone who can only relay information to the true decision-maker in a distant city.

Strength and Diversity of Offerings
The combination of our asset strength, the experience level of our banking professionals, and the diversity of our product and service offerings, make us a bank for local businesses that intend to make their mark in the 21st century.

We Can Meet the Banking Needs of a Wide Range of Businesses
Farmers National Bank serves as commercial bankers for businesses as diverse as manufacturers, retailers, sales, professonal and service companies.

We take a practical approach to your banking needs by offering a personal touch; as well as, the latest products and banking technologies.

What do we mean by that? Well, we don

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Business Checking
At Farmers, business checking customers receive next day credit for deposits and there are no automatic holds on your funds. You can earn interest on all balances, with no compensating balance required. Best of all, Farmers offers some of the lowest fees in the area.

Electronic Payroll and Tax Payment Services
Let Farmers make it simple for you. We can process payroll services, tax payments, as well as electronic ACH payments and charges from a disk or via the Internet.

Internet Cash Management @ Farmers
Our online business banking services are designed to offer you the best and most practical aspects of web banking for businesses. The convenience of online banking - check balances, transfer funds, pay bills and much more - means you can bank via your PC anytime, from virtually anywhere.

For more about Internet Cash Management @ Farmers, see your Farmers representative or request our Commercial Banking portfolio.

Daily Repurchase Service
Sweep your funds into a higher rate interest-bearing fund overnight. (available next day as needed) We offer unlimited transfers, a detailed statement for a monthly fee of $20.

Merchant Services (Mastercard and Visa via Community Card Services)
Take advantage of profitable credit card and debit card business with your customers. We offer these merchant services at extremely competitive rates that add to your bottom line.

Money Market Index Account
Corporations and partnerships cannot earn interest on their checking accounts. However, they are eligible for Index accounts, allowing participants to earn interest on funds while maintaining a high level of liquidity.

Farmers offers a limited access money market account, with a maximum of six transfers per month including those done via the Internet and three may be by check or debit card. Transactions in person, by messenger or ATM are not limited.

• Minimum to open...$7,500
• Daily balance below $7,500...service charge $10.00
• Daily balance above $7,500...service charge None
• Tiered interest rate, based on daily balance. Base Rate is set monthly by management based on market conditions.
• $19,999 - base rate.
• $20,000-$49.999 - base + basis pts.
• $50,000 plus - base + 70 basis pts.
• One rate paid on balance each day.

Commercial Loans and Mortgages
Farmers has a wide range of financial products to help you manage and grow your business. For more information, contact your Farmers representative or request our Commercial Banking portfolio.

ABC Credit Line (revolving)
The small business answer to cash flow problems. Take advantage of discounts for cash by accessing your credit line by writing a check. Protect your business reputation and credit standing by using your ABC Credit Line to automatically protect your checking account from embarassing and expensive shortfalls.

VISA Corporate Credit Card
Designed for businesses like yours, the Farmers VISA Card will give you the convenience of global acceptance and access to a source of instant financing for office equipment, supplies, inventory and working capital. The VISA Credit Card also makes it easier to separate business expenses from personal expenditures. Limits are assigned to individual cardholders on an individual basis.

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