Farmers Trust & Savings Bank is an employee-owned, independent, community-based financial institution that offers a range of banking services. The bank provides ATM, debit and credit cards. It offers online banking, money transfer and deposit services. The bank provides business and personal banking services. It offers certificates of deposits and safe-deposit boxes. The bank provides checking and educational and health savings accounts. Farmers Trust & Savings Bank offers agriculture, commercial and real estate loans. The bank provides loans for vehicles and debt consolidation. It offers mortgage, savings and amortizing loan calculators. Farmers Trust & Savings Bank manages a staff of cashiers, accountants and support personnel.