Ready Reserve

Farmers Bank’s Ready Reserve is a line of credit available to qualified customers that desire fast cash.

  • Automatically transfers into your account to protect you from overdraft fees
  • You may call the bank to draw money and transfer into your checking account
  • Automatic payments helps you avoid late payments
  • A monthly statement/accounting that will be combined to your checking account statement. 
  • No annual fee 
  • Automatic monthly payment of 5% of the principal balance or $25.00, whichever is greater
  • Automatic transfer of funds in increments of $50.00 with $2.00 transfer fee
  • Annual Percentage Rate (APR): 18% variable
  • Additional Fees may apply (see Terms and Conditions)