Checking Accounts

Manage cash easily with Online Banking, our free FBBmobile app, or more traditionally — all while earning interest!
  • No monthly fee and unlimited check and debit card transactions
  • ATM withdrawals nationwide1
  • Free online banking, online bill pay, and FBBmobile banking app with mobile deposit2


Open Account: Checking Accounts View Rates: Checking Accounts

Performance Checking

  • Interest Rate - Up to 0.05% APY* 
  • Minimum Initial Deposit - $100
  • Transaction Limitations - None
  • Monthly Account Fee - None3
  • Minimum Average Daily Balance - $0.014
  • Additional Features:
    • Free Visa® debit card
    • Free first order of checks
    • Overdraft protection available through Farm Bureau® Member Rewards Mastercard® or money market account5
    • Available for Early Direct Deposit service6
The everyday card for Farm Bureau® members.
Start earning rewards now!1

As low as 18.24% APR*

1 See Terms & Conditions for details.

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Do not include full account/social security numbers or other sensitive information when emailing Farm Bureau Bank.  
Frequently Asked Questions [FAQs]

Our Early Direct Deposit service releases your paycheck and any other ACH credit into your account as soon as it is received by Farm Bureau Bank which means you can get your funds up to 2 days early. 

Check deposits can be made either by mail or using your mobile device with the FBBmobile app. You may also transfer funds to your account electronically from another bank (via ACH or wire transfer) or directly deposit your paycheck (contact your employer for more info).

Mail Deposits

To make a deposit by mail, send the check and deposit slip to:
  • Farm Bureau Bank
    PO Box 33427
    San Antonio, TX 78265-3427

Make sure all checks are properly endorsed and include your account number on the back of the check under your endorsement.

Mobile Deposits

To make a mobile deposit:
  1. Sign the back of the check and include the following above or below your endorsement:
    • For mobile deposit at Farm Bureau Bank

  2. Log in to FBBmobile on your mobile device.
    • Go to Menu.
    • Go to Transactions.
    • Go to Deposit Check.
    • Select the Account.
    • Enter the amount.
    • Click Save.
  3. Capture front and back image of the check with your phone's camera.
  4. Submit deposit.
  • You may contact us by phone, mail, email, or fax to request checks.
  • You can also re-order checks online by visiting and entering our routing number, your account number, and zip code.

E-Option is a paperless statement option for checking and Money Market Accounts [MMAs]. It may earn a higher rate than a non E-Option account. If you select E-Option, you will not receive a paper statement. You will view your monthly statements electronically by logging into online banking.

To elect E-Option, please contact us at 800.492.3276, Monday – Friday from 7am – 7pm CT or email us at [email protected].

  • There are two options for Overdraft protection for your Farm Bureau Bank deposit account. One is through your Money Market Account [MMA] and the other is through your Farm Bureau Bank credit card account.
  • There is no service fee for having overdraft protection. If you do overdraw your account and you have selected your credit card as overdraft protection, we will transfer in increments of $100.00 to your checking account to cover any incoming items. There will be a cash advance fee charged to your credit card if it is utilized for overdraft protection. This will enable you to avoid any overdraft fees for incoming items covered by your Farm Bureau Bank credit card up to your credit limit.
  • If you set up your MMA for overdraft protection, the six (6) withdrawals a month restriction still applies. We transfer from your MMA only the amount required to cover your negative account balance.
  • You may apply for overdraft protection using secure messaging (within online banking), by email, or by phone.
  • You may also apply on a new account application.


1 The initial five (5) ATM transaction fees, with a maximum total of $15, are reimbursed each month. Transactions made outside the US do not qualify for ATM fee reimbursement.

2 Must be enrolled in online/mobile banking.

3 See Deposit Fee Schedule for detailed fee information.

4 Account may be closed after six (6) months with a zero balance.

5 Contact the bank to add this feature to your current checking account.

6Early access to direct deposit funds and other ACH credits depend on the timing of the payer's submission of deposits. Generally, deposits are posted on the day they are received which may be up to 2 days earlier than the payer's scheduled payment date.

Farm Bureau Bank deposit accounts are FDIC-insured up to $250,000 per depositor.

Fees could reduce earnings on deposit accounts.