Savings Accounts Built to Help You Save With Confidence

Saving money is one of the most important steps toward financial stability. At Farmers Trust and Savings Bank, we make that step simple. Our Personal Savings Accounts are built for people at every stage of life—kids learning to save, young adults planning, and families or individuals building long-term financial security.

With flexible account options, friendly hometown bank service, and competitive interest rates, we give you the tools you need to grow your savings safely and steadily.

Proudly serving Earling, Harlan, Woodbine, and communities across southwest Iowa with true local bank care.

Call or Visit to Get Started

Employees of Farmers Trust and Savings Bank riding on the back of a pick-up truck in a parade.

What You Need to Open a Savings Account

Opening a personal savings account at Farmers Trust and Savings Bank is quick and easy. Please bring:

Valid ID (driver’s license or state-issued ID)
Proof of current address (utility bill or pay stub if ID is outdated)
Social Security Number
Required opening deposit for the account type you choose
For joint accounts: documents for each person

Our Personal Savings Account Options

We offer several savings accounts so you can choose the one that fits your goals. Whether you are building an emergency fund, teaching a child to save, or planning for the future, we have an option designed for you.

No debit or ATM cards are issued for savings-only accounts. If you want card access to savings funds, the account must be tied to a checking account.

All savings accounts are variable-rate accounts and benefit from the security, experience, and hometown service of Farmers Trust and Savings Bank.

Junior Savings Account (Interest-Bearing)

Best for children and teens learning smart money habits.

Must be under 18 years of age
$50 opening deposit
$50 minimum balance to earn interest and keep the account open
No monthly service charge
$1 excessive debit item fee for each withdrawal over nine per quarter

This simple and flexible account helps young savers build confidence while earning interest.

Combined Savings Account

Ideal if you want your checking and savings on one statement.

Same features as the Junior Savings Account
Must have a checking account to combine statements
Helps keep your financial life organized and easy to track

Statement Savings Account

A traditional savings account for everyday savings.

$100 opening deposit
$100 minimum balance to earn interest and keep the account open
$5 quarterly service charge if the average ledger balance falls below $250
- Fee waived with eStatements
$1 excessive debit item fee after nine withdrawals per quarter

This account is a great option for adults and families who want a simple, secure place to grow their savings.

Your Future Savings Account

Perfect for young adults building consistent saving habits.

Must be under 25 years of age
$50 opening deposit
A monthly deposit of $25 is required to remain eligible
- Automatic deposit is recommended
$50 minimum balance to earn interest and keep the account open
No monthly service charge
$2 excessive debit item fee after three withdrawals per quarter
Converts to a regular savings account at age 25

This account encourages good habits with steady monthly contributions.

Earn Interest With Personal Savings Accounts

All our savings accounts earn competitive variable interest, helping your money grow over time while staying fully accessible. Rates adjust with the market to keep your savings working for you.

Convenient Online & Mobile Savings Management

Farmers Trust and Savings Bank makes saving simple with:

Online banking
Mobile banking
Mobile deposits
eStatements
Account alerts
Easy transfers between checking and savings

Manage your money anytime, anywhere, securely and confidently.

No Hidden Fees When You Meet Minimum Requirements

We believe saving should be transparent and fair. Maintain the minimum required balance, and you won’t pay monthly service fees on most accounts.

More of your money stays where it belongs, in your savings.

Security You Can Trust

Your savings are protected with advanced banking security and decades of proven service. We use strong encryption and modern tools to keep your information safe.

You can bank with confidence knowing your money is backed by a bank that has served southwest Iowa families for more than 130 years.

Here’s What Sets Us Apart from the Other Banks

You deserve a bank that is part of your community, not just a place you deposit money.

Farmers Trust and Savings Bank is:

Family-owned bank that has been locally operated since 1892
Home to friendly staff who live and volunteer in our communities
Committed to offering competitive rates on deposits and loans
Dedicated to providing modern banking with hometown service
Proud to serve Earling, Harlan, Woodbine, and the surrounding areas

Your goals matter to us. Your future matters to us. And your success strengthens our entire community.

Let Us Show You How to Start Saving for the Future Today

No matter if you’re opening your first direct savings account, teaching a child to save, or working toward long-term goals, we’re here to help you every step of the way.

Visit any Farmers Trust and Savings Bank location or call us today to get started.