Farmers Bank & Trust Co. may impose fees for using ATMs that do not belong to their network. These fees can vary based on the specific terms and conditions associated with the account held by the customer. It is important for customers to know that aside from the fees charged by Farmers Bank & Trust Co., the owners of the ATM used may also charge their own fees. This often results in multiple fees for a single transaction when using an ATM outside of Farmers Bank & Trust Co.'s network. To find specific information about ATM fees related to different accounts and any potential fee waivers, customers can check the official website of Farmers Bank & Trust Co., where they would find a wealth of information, including details about account features and potential fees that may apply. Always staying informed can help customers manage their banking costs effectively.