Regular Checking
No fees if minimum daily account balance remains above $500 during the statement cycle

• Fee: $8 per month

Club Checking

• Fee: $8 per month for Club Checking, includes $10,000 accidental death insurance
• Fee: $9 per month for Family Club Checking, includes $30,000 accidental death insurance plus $2,500 for each dependent child

Primetime Checking

• Fee: No Fees

Student Checking

• Fee: No Fees

Super NOW Account
No fee if minimum daily account balance remains above $2,500 during the statement cycle

• Fee: $10 per month plus lower earnings rate

Now Account
No fee if minimum daily account balance remains above $1,000 during the statement cycle

• Fee: $8 per month and account will no longer receive earnings

Business Checking
No fee if minimum daily account balance remains above $500 during the statement cycle

• Fee: $8 per month

Money Market Accounts
No fees when minimum daily account balance is maintained.

Money Market (2,500 - 49,999.99)

• Fee: $10 per month if minimum daily account balance falls below $2,500 during the statement cycle

Money Market Plus ($50,000 +)

• Fee: $20 per month if minimum daily account balance falls below $50,000 during the statement cycle

Savings Account

• Fee: $5 per withdrawal after the 6th withdrawal per quarter

Certificates of Deposit

• Fee: 90 days interest for early withdrawal

ATM Transactions

• Fee: None when using Farmers & Merchants Bank ATMs located at a Farmers & Merchants Bank branch
• Fee: $1 for each withdrawal when using non-Farmers & Merchants Bank ATMs
• Surcharge Fee : Owners of non-Farmers & Merchants Bank ATMs may impose additional surcharge for using their ATMs. If the ATM is marked with the SHAZAM priviledged status symbol, their is no surcharge.

Farmers & Merchants Bank SHAZAM Chek Card

• Fee: FREE with any Farmers & Merchants Bank checking account

Non-Sufficient Funds (NSF) and Overdrafts(OD)

• Fee: $26.50 per item
• Fee: $5 per day for accounts remaining in overdraft

Stop Payment

• Fee: $15 per item

Wire Transfers

• Fee: $15 domestic/$50 international for each incoming/outgoing

• Fee: $10 per hour

Account Printouts

• Fee: free

Photocopies

• Fee: 25¢ per copy

Dormant Account Fee

• $5 semi annually

Fax Fee

• $5 for first 2 pages, 25¢ each additional page
• $2 for all faxes using EZ Access Telephone Banking (unlimited pages per fax)

Cashiers Checks

• Fee: $2 each, no charge to Club Checking account holders

Travelers Checks

• Fee: 1% of purchase amount, no charge to Club Checking account holders