The Farmers State Bank and Trust company credit card

Additional Services

Automated Teller Machine (ATM) Banking

An ATM can be used to access either a checking or savings account. You are also able to make deposits to or withdrawals from your checking or savings accounts. You may also transfer between these accounts, as well as do PIN changes and balance inquiries.

Direct Line 24-Hour Telephone Banking

Access your account information 24 hours a day, 7 days a week from anywhere in the continental United States. Now you can have a Direct Line by calling 1-800-521-9067 to the balance and activity of your checking and savings accounts or obtain information on your CD or loan.

Direct Net Internet Banking

The Farmers State Bank and Trust Company offers the latest technology and real convenience with Direct Net Internet Banking. With today’s busy lifestyle, everyone is looking for better and faster ways to tackle their “To Do” lists. Direct Net Internet Banking makes banking simple.  You will enjoy 24/7 access to your accounts so you can check balances, make payments, complete transfers and more — safely and securely.

FSBTCO Mobile Banking App

FSBTCO mobile banking app is designed for the way you bank. Use the same login as your Direct Net Internet Banking account to quickly and securely check balances, view check images, transfer funds, make loan payments, or pay bills.  FSBTCO mobile banking app will provide you with the convenience and security you need to meet your on-the-go lifestyle.

Direct Check Debit Card

Access your account 24 hours a day, 7 days a week, and shop anywhere in the world.

After the purchase approval, you will simply sign a receipt or enter your PIN, depending on the merchant, and be on your way with merchandise in hand!

Automatic Transfers

The Farmers State Bank and Trust Company offers great resources to help let the Bank do the work for you! Automatic transfers can easily be set up to reach your savings goals, pay a loan or transfer money between accounts.  This convenient service can help you to plan for your financial needs.

Save Up

This optional service helps checking account customers get additional money into a Savings or other Checking account of their choice. Each time a qualifying electronic debit is posted to your checking account, the amount of the transaction is rounded up and the difference between the transaction and the rounded amount is deposited into the designated account. This is a great way to reach your savings goals by choosing what dollar increment you wish to save.


Go paperless! View and print your statements anytime – organization made easy.  eStatements can provide you with an easy and convenient way to receive your Bank Statements through our Direct Net Internet Banking. Enroll or sign in to your Direct Net Internet Banking at and click Statements.

Bill Payment

With The Farmers State Bank and Trust Company’s Bill Payment service, you can receive and pay bills with the click of a button. If you are not sure that paying bills online is right for you, we invite you to try it for 6 months with no charge.

Automatic Transfer Service (ATS)

Avoid the worry and embarrassment of an overdraft by requesting an automatic Overdraft (OD) Transfer. ATS offers you the ability to designate a transfer account for use in obtaining funds when an overdraft situation might otherwise occur.

Reserve Checking

When you are approved for Reserve Checking, a cash reserve is set aside to draw on whenever the need arises. When you write a check or a debit posts that is larger than the balance of your account, funds are transferred automatically from your cash reserve (in multiples of $100) into your account to cover the transaction.  Reserve Checking costs nothing until you use it. Repayments are simple, too, because they are deducted automatically from your checking account.