Trusted Local Banking for Iowa Businesses & Farms
Running a business or farm takes dedication, long hours, and smart financial decisions. Your bank should make that work easier, not harder. At Farmers Trust and Savings Bank, business and agricultural banking are built around real operations, real seasons, and real people right here in southwest Iowa.
As a family-owned Iowa community bank, we combine modern business banking tools with personal, local bank service you won’t find at large national banks. From day-to-day business checking to long-term commercial and agricultural loans, we’re here to support your growth at every stage.
We proudly serve Earling, Harlan, Woodbine, and surrounding southwest Iowa communities with business and ag banking solutions designed to move at the speed of your work.
How Business & Ag Banking at Farmers Trust Works
Business and agricultural banking include the financial tools that help you:
- Manage daily cash flow
- Pay employees and vendors
- Track expenses and income
- Finance equipment, land, and improvements
- Plan for growth and seasonal changes
At Farmers Trust and Savings Bank, banking is personal. You’ll work directly with local bankers who understand Iowa farms and businesses and who take time to explain your options clearly.
Business Checking Accounts That Keep You Moving
Your business checking account is the foundation of your financial operation. It handles deposits, payments, payroll, and everyday expenses. We offer flexible business checking accounts built to support small businesses, nonprofits, and growing companies.
Features Included with Business Checking
- Online & mobile banking
- Debit MasterCard® access (with qualification)
- eStatements for easy recordkeeping
- Bill Pay & transfers
- No mobile deposit fees
- Local support from Iowa bankers
Our team will help you choose the checking account that fits your transaction volume, balance needs, and financial goals, all without hidden fees or unnecessary complexity.
Visit Our Business Checking Accounts page
Business Credit Cards That Simplify Spending
Managing business expenses is easier when purchases are organized and easy to track. A business credit card helps separate business and personal spending while giving you flexible purchasing power.
Why Business Owners Use Business Credit Cards
- Cover everyday operating expenses
- Manage short-term cash flow gaps
- Track spending by employee or category
- Build business credit over time
- Reduce the need for reimbursements
Employee cards and spending limits help you stay in control while empowering your team.
One Bank. One Login. Better Control.
When you link your business credit card to a Farmers Trust and Savings Bank business checking account, managing money becomes simpler:
- Pay your card directly from checking
- View balances and spending in one place
- Simplify bookkeeping and tax prep
- Set up automatic payments
- Get help from the same local team that knows your business
Keeping everything under one roof saves time and keeps your finances organized.
Business Loans That Support Growth
Growth takes planning and the right financing partner. Our commercial loans help businesses invest, expand, and manage cash flow with confidence.
Business Loan Options Include
- Equipment loans
- Business real estate loans
- Operating lines of credit
- SBA loans
No matter whether you’re buying equipment, purchasing property, or preparing for a busy season, our local lenders explain every option in plain language and tailor financing to your cash flow.
Agricultural Banking Built for Iowa Farms
Farming isn’t a typical business, and your financing shouldn’t be either. Our agricultural banking and farm loans are designed around planting cycles, harvest timing, and market changes.
Agricultural Loan Options
- Operating lines of credit
- Equipment loans
- Livestock loans
- Farm real estate loans
- Construction loans
- FSA & Beginning Farmer programs
Our ag lenders live and work in the communities we serve. They understand Iowa agriculture because they’re part of it.
Visit Our Agricultural Loans page
Digital Business Banking That Works Wherever You Are
Modern business banking should work whether you’re in the office, on the farm, or on the road. With online and mobile banking, you can:
- Check balances anytime
- Transfer funds
- Pay bills
- View eStatements
- Monitor transactions
- Set alerts
Your checking, credit cards, and loans are all accessible with secure, easy-to-use tools.
Security You Can Trust
Protecting your business and farm finances is a top priority. We use:
- Secure online banking technology
- Fraud monitoring and alerts
- EMV chip-enabled debit cards
- Identity protection tools
If something doesn’t look right, you’ll talk to a real person right here in Iowa.
Banking That Knows Your Business & Your Fields
Local Banking You Can Count On
- Family-owned since 1892
- Decisions made close to home
- Three convenient locations: Earling, Harlan, Woodbine
Personal, Relationship-Based Service
- Work directly with experienced bankers
- Clear answers in plain language
- No call centers or runaround
Banking That Strengthens the Community
When you bank with us, your money stays local, supporting jobs, families, and growth across southwest Iowa.
Proven Banking for Business Owners & Producers
Whether you’re opening a business checking account, applying for a loan, or planning for the next season, Farmers Trust and Savings Bank is ready to help. Your work matters, and your bank should, too.
Visit a branch or call today to speak with a local business or ag banking expert.
