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Farmers State Bank's Toll Free Number: 1-833-BANKFSB
Lost or Stolen Debit Card? 1-800-500-1044

Mail All Correspondence to P.O. Box 99 Lincolnton, Ga.  30817
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Farmers State Bank Member FDIC, Equal Housing lender

Serving your Community for over 100 years!


  • $1,000 minimum deposit to open account
  • If the balance falls below $1,000 on any day of the statement cycle, a fee of $7.00 will be assessed.
  • A fee of $0.25 per item will be charged for transaction count over 250 items regardless of balance.
  • Interest paid on balances based on rate tiers.
  • Minimum daily balance to earn interest is $1,000
  • FREE Internet Banking and 24 Hour Automated Telephone Banking