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Reserve Checking 

Lets face it, we all make mistakes when it comes to balancing our checking account.  To avoid those potentially embarrassing moments or to improve your check writing flexibility, Farmers Savings Bank can set you up with Reserve Checking.  Reserve checking is a pre-approved credit line that will advance funds into your checking account to provide protection against overdrafts or for emergency expenses.  There is no annual fee and you are not charged for this service if you never use it.  Reserve Checking balances are repaid at the greater of $15.00 or 5% of the outstanding balance and are automatically deducted each month from your checking account.