The Farmers & Merchants Bank

Headquarters: Berlin, Wisconsin
Charter: Bank
Assets: $949.4M
Fed district: Chicago

13 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 3, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
The Farmers & Merchants Bank: $20
The Farmers & Merchants Bank: $20
U.S. median: no median
Non-Network ATM
The Farmers & Merchants Bank: $1.50
The Farmers & Merchants Bank: $1.50
U.S. median: no median
Wire Transfer (Domestic Out)
The Farmers & Merchants Bank: $30
The Farmers & Merchants Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Wisconsin, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Wisconsin: Banks and credit unions headquartered in Wisconsin that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from The Farmers & Merchants Bank’s own schedules, with a source for each figure.

Account Maintenance

EARLY CLOSE ACCOUNT FEE (Within First 90 Days) - PER ACCOUNT$10

Overdraft & NSF

Overdraft fee$20
per item
1st Continuous Overdraft Charge - Assesses the Fourth$12

ATM & Card

ATM USE (Foreign ATM) - PER TRANSACTION$1.50
per item
DEBIT CARD REPLACEMENT (Instant Issue) - PER CARD$10
per item
DEBIT CARD REPLACEMENT (Mail) - PER CARD$5
per item

Wire Transfers

WIRE TRANSFER OUTGOING (Domestic) - PER TRANSFER$30
per item
Wire Transfer Incoming - per Transfer$15
per item
WIRE TRANSFER OUTGOING (International) - PER TRANSFER$45
per item

Check Services

Stop Payment - per Item$15
per item
Canadian Check Cashing - per Check$5
per item

Cash & Deposit

Returned Deposited Item - per Check$10
per item

Account Services

Safe Deposit Box$12
per year
Levies and Garnishments Fee - per Case$25

Fee	Amount	Basis	Note
Account Maintenance
EARLY CLOSE ACCOUNT FEE (Within First 90 Days) - PER ACCOUNT	$10	Not stated	None
Overdraft & NSF
Overdraft fee	$20	per item	None
1st Continuous Overdraft Charge - Assesses the Fourth	$12	Not stated	None
ATM & Card
ATM USE (Foreign ATM) - PER TRANSACTION	$1.50	per item	None
DEBIT CARD REPLACEMENT (Instant Issue) - PER CARD	$10	per item	None
DEBIT CARD REPLACEMENT (Mail) - PER CARD	$5	per item	None
Wire Transfers
WIRE TRANSFER OUTGOING (Domestic) - PER TRANSFER	$30	per item	None
Wire Transfer Incoming - per Transfer	$15	per item	None
WIRE TRANSFER OUTGOING (International) - PER TRANSFER	$45	per item	None
Check Services
Stop Payment - per Item	$15	per item	None
Canadian Check Cashing - per Check	$5	per item	None
Cash & Deposit
Returned Deposited Item - per Check	$10	per item	None
Account Services
Safe Deposit Box	$12	per year	None
Levies and Garnishments Fee - per Case	$25	Not stated	None

Correct a fee source

Nov 3, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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