The Farmers State Bank has been locally owned and operated since 1919. We invite you to visit any one of our five locations for all of your banking and financial needs. Our mission is to provide the best banking service to all customers.Home Mortgage Loans-Adjustable & Fixed RateAuto LoansCommercial LoansSBA LoansAgricultural LoansConsumer LoansHome Equity Loans NMLS #456699Online Access 24 hours a day online access to your accounts. Checking Products FSB Direct NOW Account$50 initial deposit requiredNo minimum balance requirementsInterest credited monthlyFirst box of checks free*Free Online BankingFree Bill PaymentFree E-statements and online check imagesDebit card access available upon approvalSecurity Checking available upon approvalGolden NOW Account (Age 50+)$50 initial deposit requiredNo minimum balance requirementsInterest credited monthlyFree checks* Free Online BankingFree Bill PaymentFree E-statements and online check imagesFree copies and faxes*Debit card access available upon approvalSecurity Checking available upon approval Business Direct Account$50 initial deposit requiredNo minimum balance requirementsFree Lockbox where available*No currency or coin exchange feeNo per item deposit or check feesFree Online BankingFree E-statements and online check imagesBill Payment available**Debit card access available upon approvalSecurity Checking available upon approvalBusiness Direct Plus Account$50 initial deposit required$25,000 average daily balance required to earn interestNo currency or coin exchange feeNo per item deposit or check feesFree Online BankingFree E-statements and online check imagesBill Payment available**Debit card access available upon approvalSecurity Checking available upon approval Security Checking-Overdraft Protection Line of CreditAn overdraft protection line of credit for your checking account**No interest is charged unless there is an advance on the line of creditInterest rate is variable and is subject to change without notice