Farmers and Merchants Bank

Headquarters: Upperco, Maryland
Charter: Bank
Assets: $874.5M
Fed district: Richmond

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

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

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Interest Checking
Farmers and Merchants Bank: $5
Farmers and Merchants Bank: $5
U.S. median: no median
Overdraft (OD)
Farmers and Merchants Bank: $35
Farmers and Merchants Bank: $35
U.S. median: no median
NSF / Returned Item
Farmers and Merchants Bank: $35
Farmers and Merchants Bank: $35
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 Maryland, the Richmond 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).
Maryland: Banks and credit unions headquartered in Maryland that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond 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 Farmers and Merchants Bank’s own schedules, with a source for each figure.

Account Maintenance

Account Fees: A monthly maintenance fee$5
per month
Interest Checking Monthly Fee$5
per month
Early Account Closure (within 6 months of opening)$25
Dormant Fee$5
per month
Account Research & Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Fee$35
per item
NSF (Non-Sufficient Funds) Fee$35
per item
Overdraft Protection Automatic Transfer Fee$5
per item

ATM & Card

Foreign ATM transaction fee$1.50
per transaction
Foreign ATM Withdrawal$1.50
Debit Card Replacement Fee$5
Replacement Card Fee$5
per item
Rush Fee$75

Wire Transfers

Domestic Outgoing wire$25
per item
Domestic Incoming wire$15
per item
Foreign Outgoing wire$50
per item
Foreign Incoming wire$15
per item

Check Services

Official Bank Check$10
per item
Stop Payment Fee- All Items$35
per item
Check Cashing$5
Copy of Check$5
per item

Digital & Electronic

Mobile DepositNo charge

Cash & Deposit

Currency & Coin Counting (audience not stated, treated as personal)5%($5 minimum)
Returned Deposited Item$10
per item

Account Services

Interest + free standard checks, notary services$5
Notary Fee$5
Not compared: Charged per document; comparison unavailable
per document
10″x10″ Rental$125
per year
3″x10″ Rental$55
per year
3″x5″ Rental$35
per year
5″x10″ Rental$80
per year
5″x5″ Rental$47.50
per year
7″x10″ Rental$95
per year
Drilling$250
Not compared: Box drilling or key fee
Single Key Replacement$20
Not compared: Box drilling or key fee
Garnishment$125
per item
Levies and Attachments$125
per item

Lending Fees

Late Payment Fee$25

Other Fees

Photocopies$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Fees: A monthly maintenance fee	$5	per month	None
Interest Checking Monthly Fee	$5	per month	None
Early Account Closure (within 6 months of opening)	$25	Not stated	None
Dormant Fee	$5	per month	None
Account Research & Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Fee	$35	per item	None
NSF (Non-Sufficient Funds) Fee	$35	per item	None
Overdraft Protection Automatic Transfer Fee	$5	per item	None
ATM & Card
Foreign ATM transaction fee	$1.50	per transaction	None
Foreign ATM Withdrawal	$1.50	Not stated	None
Debit Card Replacement Fee	$5	Not stated	None
Replacement Card Fee	$5	per item	None
Rush Fee	$75	Not stated	None
Wire Transfers
Domestic Outgoing wire	$25	per item	None
Domestic Incoming wire	$15	per item	None
Foreign Outgoing wire	$50	per item	None
Foreign Incoming wire	$15	per item	None
Check Services
Official Bank Check	$10	per item	None
Stop Payment Fee- All Items	$35	per item	None
Check Cashing	$5	Not stated	None
Copy of Check	$5	per item	None
Digital & Electronic
Mobile Deposit	No charge	Not stated	None
Cash & Deposit
Currency & Coin Counting (audience not stated, treated as personal)	5%($5 minimum)	Not stated	None
Returned Deposited Item	$10	per item	None
Account Services
Interest + free standard checks, notary services	$5	Not stated	None
Notary Fee	$5Not compared: Charged per document; comparison unavailable	per document	None
10″x10″ Rental	$125	per year	None
3″x10″ Rental	$55	per year	None
3″x5″ Rental	$35	per year	None
5″x10″ Rental	$80	per year	None
5″x5″ Rental	$47.50	per year	None
7″x10″ Rental	$95	per year	None
Drilling	$250Not compared: Box drilling or key fee	Not stated	None
Single Key Replacement	$20Not compared: Box drilling or key fee	Not stated	None
Garnishment	$125	per item	None
Levies and Attachments	$125	per item	None
Lending Fees
Late Payment Fee	$25	Not stated	None
Other Fees
Photocopies	$0.25	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

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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