Benefits:
Free internet banking
A minimum balance in not required. 
The Saver Friendly interest rate is available with a monthly automatic transfer
The Saver Friendly rate decreases with no automatic transfer. 
Works like any other savings account. 
No service charges unless account has no activity for more that 365 days.
Combined statement is available

Disclosures:
Variable rate and subject to change
Interest is compounded and paid quarterly. 
Interest begins to accrue on the business day of deposit and is computed daily.
Accrued interest will be paid upon account closing if funds remain in the bank
There are transaction limitations of preauthorized withdrawals; please call to inquire.

Benefits:
Excellent rate of return
Link our Saver Friendly savings product and earn a premium rate of interest
Internet banking, limited bill payment, e-statements and e-bill delivery are available
First 50 checks are free
Minimum of $10,000 is required to open
$10 monthly maintenance fee assessed if balance falls below the $1,000 minimum daily balance
Limited monthly transactions of 6 preauthorized withdrawals, 3 of which may be by check or draft
Preauthorized transactions include: ACH, Internet Banker transfers, Touch Tone Teller or telephone transfers, overdraft coverage
Unlimited prearranged transfers between accounts, such as loan payments and Christmas club       payments are permitted
Unlimited ATM transactions are permitted  

Disclosures:
Interest starts to accrue the business day you make a deposit.
Interest is accrued daily on the balance.  We use the Daily Balance Method.
Interest is compounded and credited to the account every month.
The disclosed Rates and Annual Percentage Yields are variable and subject to change weekly after the account is opened.
Fees could reduce earnings.
If you close your account before interest is credited, you will receive the accrued interest due if funds remain in the bank.
Charges may occur if the account is overdrawn or checks are returned for non-sufficient funds.
Due to federal regulations, Partnerships and Corporations do not qualify for Premium Money Market Accounts. 
If the balance falls below $1,000 during any day of the monthly statement cycle, the monthly service charge is $10.00. 
Minimum $10,000 required to receive the Premium Interest Rate.
Rate is tiered under $10,000, based on HI-FI Money Market Rate.
Transfers from a Premium Money Market account to another account or to third parties by preauthorized, automatic or telephone transfers are limited to six per month with no more than three by check, draft or similar order to third parties.
ATM use of Visa Check Card at non Farmers Bank ATMs may result in that company’s charges.
If the balance falls below $10,000, the account accrues interest at a different tier level.