Founded in 1899, Farmers Bank and Trust Company is a locally owned, independent financial institution that offers a variety of banking products. It provides overdraft privileges on various checking accounts and Visa debit cards. The bank offers installment, real estate, commercial and agriculture loans, as well as certificates of deposit, individual retirement accounts and money funds. Farmers Bank and Trust Company also provides investment management and trust and estate administration services. It offers lockboxes, ATM cards and telephone banking options through an automated system that helps to transfer funds and access account balance details. The company is owned and operated by United Bancorp.