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Deposit Services

Checking Accounts

Regular Personal Checking

  • Minimum Deposit: None
  • There is a $2.50 monthly maintenance fee if balance falls below $500 any day of the statement cycle. **
  • There is a $0.10 per debit maintenance fee if balance falls below $500 any day of the monthly statement cycle.
  • This account is FREE to account holders 62 and older and to students under age 18.

Regular Business Checking

  • Minimum Deposit: None
  • There is a $2.50 monthly charge. Credit of $0.10 per month for each $100 of minimum balance maintained during the monthly cycle.
  • There is a $0.10 per debit maintenance fee if balance falls below $500 on any day of the month.

Green Choice

  • Minimum Deposit: $100.00
  • Interest accrued daily, compounded monthly*
  • There is a $5.00 monthly maintenance fee if balance falls below $100 any day during the statement cycle. **

Super NOW Checking

  • Minimum Deposit: $500.00
  • Interest accrued daily, compounded monthly*
  • A monthly maintenance fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle.
  • A per check maintenance fee of $.20 will be charged for each debit if the balance in account falls below $500 on any day during the cycle."

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Savings Accounts

Community Reinvestment

  • Minimum Deposit: None
  • This account is for non-profit organizations only.
  • No monthly maintenance fee and no maintenance fee for debit activity.

Money Market Account

  • Minimum Deposit: $2,500.00
  • Interest accrued daily, compounded monthly*
  • There is a $5.00 monthly maintenance fee if balance falls below $2,500 any day during the statement cycle. **
  • There is a $5.00 per debit maintenance fee for each debit in excess of six per statement cycle.

Regular Savings

  • Minimum Deposit: None
  • Interest accrued daily, compounded quarterly *
  • There is a $5.00 monthly maintenance fee if balance falls below $50 any day during the quarterly statement cycle. **
  • There is a $1.00 per debit maintenance fee for each debit in excess of eighteen per quarterly statement cycle.

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Certificates of Deposit

  •  Minimum Deposit:   $500
  • Interest accrued daily, compounded quarterly
  • If you withdraw principal from a CD before maturity, you may have to pay a penalty.  Withdrawal of interest will reduce earnings. 
  • Contact any employee for further information on rates and terms.

 

Loans

Farmers Bank of Cook also offers all types of loans:

  • Consumer
  • Commercial
  • Agricultural

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Services

Safe Deposit Boxes

Safe deposit boxes are available at Cook, Peru, Wymore, Virginia and Liberty branches. Annual fee and box size vary with each location. Please inquire at your local branch.

Fee Schedule


Collection/Garnishment/Levy $20.00
Close Account (within 90 days of opening) $10.00
Dormant Account (per statement cycle) $5.00
(Any type of account with no activity for 2 years)  
Full Hold (1 month maximum) $20.00
Overdraft Charge (per item) $25.00
(An overdraft fee applies to overdrafts created by check, in-person withdrawal or other electronic means.)  
Continuous Overdraft Charge $25.00
(Charged every 7th day an account has a continuous negative balance.)  
Returned Check/ACH (per item) $25.00
(Check/ACH drawn on your checking or savings account and returned unpaid.)  
Deposited Item Returned $5.00
(Unpaid by the institution on which it was drawn.)  
Stop Payment (valid for 6 months) $20.00
Renew Stop Payment for additional 6 mo. $20.00

Other Products & Service Fees


Wire Fees:  
Incoming $20.00
Outgoing $20.00
International $50.00
Cashier's Check $2.00
Loose Coin Processing (non-customers) 10%
Check Cashing (non-customers) $1/hundred,
$5 max
Fax Service (incoming & out-going) $1.00 per page
Bookkeeping Research  
(per 1/4 hr., 1st 1/4 hr. free) $5.00

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