The Club

Valuable benefits for members only.

Financial Advantages

Just a $100 Minimum Balance
When you keep a $100 minimum daily balance, you will avoid the monthly fee. Should your balance drop below $100, a $9 monthly fee will be charged.

First Order of Personalized Checks
Your first order of checks will be imprinted with your name and address at no additional cost to you.

Unlimited Checking
Use all the checks you like. With The Club there are no per-check charges.

Security Advantages

$5,000 Accidental Death Insurance
You'll be protected with $5,000 in Accidental Death Insurance 24 hours a day.

Payment Card Protection
Register all your credit, ATM and check cards at one time and in one place. If your cards are lost or stolen, simply call one convenient toll-free number anytime, 24 hours a day, and we'll report the necessary information to card issuers and request replacement cards. You'll also receive protection against any liability on every registered card. This comprehensive service also includes:

• Emergency Cash
• Emergency Airline Tickets

Travel Advantages

Savers Club Book
Save 50% at over 3,000 participating lodging properties from coast to coast. Plus, you'll find discount offers from theme parks and car rental companies. You can receive a new bargain-filled Savers Club Book every year.

Sojourns Magazine Subscription
Whether you're a serious traveler, or you prefer to enjoy America's beauty from the comfort of an easy chair, vivid color photography and in-depth travel stories will satisfy your wanderlust. You can receive the latest issue in the mail twice a year.

Convenience Advantages

FSB XpressLine
Your banking information is just a phone call away. Enjoy 24-hour access to all of your account information with our FSB XpressLine Telephone Banking Service.

FSB SHAZAMCheck Debit Card
It's a check card and an ATM card all in one! You may make purchases anywhere MasterCard is accepted and your purchases are paid for directly from your checking account. Plus, you can get cash at ATM's worldwide, 24-hours-a-day! Of course, there are no fees when you use any Farmers State Bank ATM's, and you may avoid surcharge fees by using ATM's which participate in the Privileged Status program (log on to: www.shazam.net/atm/privileg/privsfrs.htm for more information).

Notary Service
Use our notary service at no additional charge. We'll be happy to notarize your official documents. Just present your Club ID card.

Key Ring Protection
Help to retrieve lost keys. With your personally registered key ring, your lost keys can be dropped in any mailbox and returned to you… at no additional charge.

Club Plus

Receive even more when you add these features to your Club checking account.

Added Financial Advantages

No Minimum Balance Required.

Interest on Checking
Your checking account will earn interest on the full amount of principal when you maintain a $200 minimum balance. Ask us for details.

Personalized Checks
Receive all the personalized checks you need at no additional cost to you. Your special member checks will be printed with your name and address.

Travelers Checks, and Bank Money Orders
These secure, convenient instruments are available to you at no issue fee.

Increased Security Advantages

Increased Accidental Death Insurance
Club Plus members' coverage increases to $10,000 in Accidental Death Insurance 24 hours a day.

Purchase Protection and Extended Warranty- Two Benefits in One
90-Day Purchase Replacement- Protects items in case of theft, loss or damage for the first 90 days.
Extended Warranty- Extends original warranties up to an additional year.
Some restrictions apply. You will receive a detailed explanation.

Safe Deposit Box
Store your valuables in a personal-size safe deposit box. It's yours with no rental fee for an entire year.
Subject to availability. New rentals only.

Asset Organizer
Record all your important financial and personal information. The Asset Organizer also serves as a valuable resource for you or your loved ones in case of emergency.

Medical Emergency Data Card
Keep vital health and personal information on hand at all times with this convenient plastic card. In an emergency, medical personnel will have quick access to your current health profile. You can update your card every year.

Greater Convenience Advantages

Rx Advantage Prescription Drug Program*
Your Rx Advantage card grants you preferred pricing on many prescription medications at participating pharmacies nationwide. And you'll have the added security of our prescription drug-monitoring program alerting your pharmacist to important information about your prescriptions.
*This program is not insurance.

Family Budget Log
Use this handy log to plan and track your family's budget. Step-by-step instructions help you determine total income, track yearly expenses, and budget for the future with twelve-month charts.

DateReminder Service
The Date Reminder Service is a convenient service that helps you remember those important dates. You will receive monthly cards noting the date or dates you do not want to forget.

All for Only a $5 Monthly Membership Fee.

Joining Is Easy
Just ask us. You can enroll as a member in minutes. Then you can start enjoying all these money-saving benefits today! And, as a member, you'll automatically receive new benefits as they are added to the program.

Equal Housing Lender		Member FDIC
NOTICE OF INCREASED FDIC DEPOSIT INSURANCE COVERAGE On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000.00 to $250,000.00 per depositor through December 31, 2009. Please contact our staff for additional information at 877-526-8011 or click here.