Multi generational family laughing at table

Welcome Farmers Savings Bank

Growing Together

Welcome Customers and Friends of
The Farmers Savings Bank

At Civista, we’ve been helping customers achieve their financial goals since 1884. We’re delighted to welcome you. As a Civista customer, you have the best of both worlds—the same efficient, courteous service you’ve come to expect plus expanded banking resources, value, and convenience.

What you can expect:

Keep banking as usual. Continue using your existing accounts, debit cards, checks, and mobile app, as well as online banking services, right now.
Familiar faces, trusted service. You'll continue to be served by the same team you know at your local branch.
Expanded access. Use your FSB cards at any Civista Bank ATM without incurring a service fee.
See more of Civista. Over the coming months, you'll begin to see the Civista name on documents and communications. For now, your branches will continue to reflect The Farmers Savings Bank name until our full integration is complete.

Early next year, your accounts and services will transition to Civista. We'll share more information about any changes or actions you may need to take to help ensure a smooth transition.

Who is Civista Bank?

What will this change mean for me or my business?

You’ll continue to be served by the same great local team you know and trust, while gaining access to enhanced products and services. Over time, you’ll enjoy expanded digital banking capabilities, more ATMs and branches, and additional solutions for your personal or business needs.

Should I continue to bank as usual right now?

Yes, it’s banking as usual.

Continue using your same accounts, debit cards, checks, and online or mobile banking.
Continue banking at your Farmers Savings Bank branch.
Make your loan payments as usual.
Call the same phone numbers you always have.

When can I start using Civista ATMs?

You can now use your Farmers Savings Bank debit card at any Civista Bank ATM with no service fee to make withdrawals and balance inquiries. Civista operates more than 35 ATMs across Northern, Central, and Southwestern Ohio and Southeastern Indiana. Find an ATM near you.

Will my accounts continue to be FDIC insured?

Yes. Your deposits will continue to be insured by the FDIC up to the $250,000 deposit limit for a single bank. If you have accounts at both The Farmers Savings Bank and Civista Bank, your accounts will be insured separately for six months following November 7, 2025, the legal close of our merger.

Any new deposit accounts opened at FSB on or after November 7, 2025 are considered Civista Bank deposits for FDIC insurance purposes.
Certificates of Deposit (CDs) are insured separately for six months from November 7, 2025 or until maturity, whichever is later. If a CD renews during that period for the same term and amount, it will continue to be insured separately until the next renewal.
After the six-month period, deposits at the former FSB and Civista Bank will be combined for FDIC insurance coverage.

How will I learn about any account updates and transition details?

We’ll keep you updated as we grow together and begin to fully integrate our two banks. You’ll receive information through the mail and email. We will also post updates to this page.

Will the privacy policy change?

Your privacy is very important to us. Beginning on November 13, 2025, your FSB accounts will be governed by Civista Bank’s privacy policy.

FOCUSED ON COMMUNITY.

We strongly believe in investing in the communities we serve. Whether it's through charitable donations, in-branch events or volunteering out in the community, our team is dedicated to making a difference.