Banking Built Around You, Your Family, & Your Life
Managing your money should feel simple, safe, and personal. At Farmers Trust and Savings Bank, personal banking is built around real people, real goals, and real community connections.
As a family-owned Iowa community bank since 1892, we combine modern banking tools with the friendly, local service you won’t find at big national banks. From opening your first checking account to putting aside money for the future with Certificates of Deposit or savings accounts, we’re here to help every step of the way.
We proudly serve Earling, Harlan, Woodbine, and surrounding southwest Iowa communities with banking solutions designed to grow with you.
How Does Personal Banking at Farmers Trust and Savings Work?
Personal banking includes the everyday financial services you use to manage your money. These services help you:
- Pay bills
- Save for short- and long-term goals
- Make purchases safely
- Build credit
- Plan for the future
At Farmers Trust and Savings Bank, personal banking is about relationships, not transactions. You get personal guidance, clear answers, and local decision-making you can trust.
Everyday Personal Checking Accounts Made Easy
Your personal checking account is the heart of your financial life. We offer flexible personal checking accounts built to support your needs today and adapt as life changes.
Features Included with Most Checking Accounts
- Online & mobile banking
- MasterCard® debit access
- eStatements (paperless option)
- Bill Pay
- Automatic transfers
- ATM access at all three locations
- Direct deposit
Checking Account Options
We offer a variety of consumer checking accounts, including:
- Student Checking – Ideal for teens and college students
- Regular Checking – Simple, everyday banking
- Interest-Bearing Checking – Earn interest when you keep higher balances
- Senior & Premium Checking – Added perks and benefits
Our bankers will help you choose the account that best fits your lifestyle and financial goals.
Personal Savings Accounts Designed for Iowa Families
Saving money builds security and peace of mind. Our personal savings accounts make it easy to set money aside and watch it grow.
Savings Account Options
- Junior Savings Accounts – Teach kids healthy money habits
- Statement Savings – A traditional, easy-access savings account
- Future Savings Accounts – Built for young adults under 25
- Combined Savings – Link savings and checking for convenience
Open a savings account today and enjoy competitive interest rates and personal, local banking service that puts your financial goals first.
Enjoy Safe, Steady Growth With Certificates of Deposit
If you want a low-risk way to earn more interest, a Certificate of Deposit (CD) may be right for you.
How CDs Work
- You deposit money for a set time (called a “term”)
- Your interest rate is locked in
- Your money grows at a predictable rate
- CDs are FDIC-insured up to applicable limits
CDs are great for planned goals like:
- A future purchase
- Education savings plan
- Retirement planning
Mobile & Online Banking Made Easy
Modern banking should fit your life. With online and mobile banking, you can:
- Check balances anytime
- Transfer money
- Pay bills
- Set alerts
- Deposit checks with your phone
- View statements securely
Your checking, savings, loans, and credit cards, all in one place.
Protect What Matters Most With Safe Deposit Boxes
Secure your valuables and important documents with a safe deposit box at Farmers Trust and Savings Bank. Our boxes are protected from fire, natural disasters, and unauthorized access. Sizes range from $9 to $42 per year, depending on your needs.
Keep family heirlooms, legal documents, and personal treasures safe and easily accessible when you need them. These boxes are not, however, FDIC insured.
Simple, Stress-Free Automatic Transfers
Save and manage your money without thinking about it. Our automatic transfer service moves funds between accounts on a schedule you set. This is perfect for:
- Building emergency savings
- Paying loans on time
- Managing recurring bills
Automatic transfers make banking easy and help you stay consistent with your financial goals.
Text Messaging Allows for Quick, Reliable Banking Anywhere
Stay connected with text messaging from Farmers Trust and Savings Bank. Receive updates, ask questions, and get alerts on your accounts, all from your mobile phone.
Benefits:
- Quick answers without waiting on hold
- Real-time alerts for transactions and balances
- Peace of mind knowing your messages are handled securely by authorized staff
Reach out by test message to any FTSB location:
- Earling - 712-747-2000
- Harlan - 712-235-2000
- Woodbine - 712-647-3375
Note: We never ask for sensitive information ( like Social Security numbers) via text. Standard messaging rates may apply.
Bank Security You Can Count On
Your financial safety is our top priority. We use:
- EMV chip technology
- Fraud monitoring and alerts
- Secure online banking tools
- Identity protection
If you ever need help, you’ll speak with a real person right here in Iowa.
People You Know. Banking You Can Trust.
Southwest Iowa has relied on us for more than a century, and our commitment to friendly service remains as strong as ever.
What Sets Us Apart
- Family-owned since 1892
- Local bankers who live and work in your community
- Competitive rates on loans and deposits
- Local decision-making
- Three convenient locations: Earling, Harlan, Woodbine
When you bank with Farmers Trust and Savings Bank, your money stays local and helps strengthen the community you call home.
Start Building Your Financial Future with Confidence
Whether you’re opening your first savings account, switching banks, or planning for the future, we’re ready to help.
Visit any Farmers Trust and Savings Bank location or call us today to speak with one of our friendly community bankers.
