Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Regional bank, $10B to $50B

Farmers and Merchants Bank of Long Beach

Long Beach, CaliforniaBankSan Francisco Fed districtFees collected Oct 6, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

A Minimum Balance fee of$10Within the typical range ($3–$10 nationally)

ATM & CardVerified

ATM Service Charge (At A Non-F&M Bank ATM)$3Above the typical range ($1–$2.50 nationally)
$1.25 above the national median
Source
Debit Card Replacement Fee$5Within the typical range ($5–$10 nationally)
$5 below the national median
per item · Source
Debit Card Rush Delivery Fee (SC)$25Below the typical range ($30–$50 nationally)
$15 below the national median
per item · Source
Replacement Of Lost Or Stolen Card$8Within the typical range ($5–$10 nationally)
$2 below the national median
Source

Wire TransfersVerified

Incoming Wire Transfer (Domestic or International) After 2$10Within the typical range ($10–$25 nationally)
$10 below the national median
Source
Outgoing Manual Wire Transfer (Domestic)$30Above the typical range ($20–$25 nationally)
$5 above the national median
Source
Outgoing Online Wire Transfer After 2 Wires$20Within the typical range ($20–$25 nationally)
$5 below the national median
Source
Outgoing Wire Transfer (International)$55Above the typical range ($40–$50 nationally)
$5 above the national median
Source

Check ServicesVerified

ACH Stop Payment Per Request$30Within the typical range ($20–$30 nationally)
$3.37 above the national median
per month · Source
Bill Pay Stop Payment Draft Per Request$30Within the typical range ($20–$30 nationally)
$3.37 above the national median
per item · Source
Cashier's Check$10Above the typical range ($3–$6 nationally)
$5 above the national median
Source
Counter Check Request Per Sheet$2Within the typical range ($1–$4 nationally)
At the national median
Source
Money Order$5Above the typical range ($1.50–$3 nationally)
$3 above the national median
per year · Source
Stop Payment Online Per Request$15Below the typical range ($20–$30 nationally)
$11.63 below the national median
per item · Source
Telebanker Stop Payment$15Below the typical range ($20–$30 nationally)
$11.63 below the national median
Source

Digital & ElectronicVerified

ACH Origination Reversal$30Above the typical range ($5–$20 nationally)
$20 above the national median
per month · Source
Bill Pay Overnight Check$17.50Above the typical range ($0–$10 nationally)
$12.55 above the national median
Source
Bill Pay Paid Return Item Per Item$30Above the typical range ($0–$10 nationally)
$25.05 above the national median
per item · Source
Bill Pay Re-Issue Draft Per Draft Item$30Above the typical range ($0–$10 nationally)
$25.05 above the national median
Source
Debit Card Rush Delivery Fee - International | At Cost | Same Day Electronic Bill Payment$12.95Above the typical range ($0–$10 nationally)
$8 above the national median
Source
Same Day ACH Origination (Credit or Debit) Per Item$1Below the typical range ($5–$20 nationally)
$9 below the national median
per item · Source
Same Day Electronic Bill Payment$12.95Above the typical range ($0–$10 nationally)
$8 above the national median
per item · Source
Standard ACH Origination (After 100 Transactions)$0.15Below the typical range ($5–$20 nationally)
$9.85 below the national median
Source
Standard ACH Origination or Received (Credit or Debit) Per Item$0.20Below the typical range ($5–$20 nationally)
$9.80 below the national median
per item · Source

Cash & DepositVerified

Chargeback Item Fee$10Within the typical range ($10–$25 nationally)
$5 below the national median
Source
Night Depository Annual Fee (SC)$20Within the typical range ($5–$20 nationally)
$10 above the national median
per year · Source
Night Depository Replacement Key (SC)$5Within the typical range ($5–$20 nationally)
$5 below the national median
Source

Account ServicesVerified

Legal Process$150Within the typical range ($50–$150 nationally)
$50 above the national median
per year · Source
Notary Services Per Signature (SC)$15Above the typical range ($0–$5 nationally)
$12.50 above the national median
Source
Verification Of Deposit Per Account$20Above the typical range ($5–$15 nationally)
$10 above the national median
Source
Verification Of Deposit Per Account$10Within the typical range ($5–$15 nationally)
At the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
A Minimum Balance fee of	$10Within the typical range ($3–$10 nationally)	$5 above the national median	per day	—	Source
Escheatment Notice (SC)	$2Below the typical range ($5–$10 nationally)	$3 below the national median	—	—	Source
Inactivity Per Month (After 12 Consecutive Months Of Inactivity	$4.95Below the typical range ($5–$10 nationally)	$0.05 below the national median	per month	—	Source
Minimum Balance Fee of	$15Above the typical range ($3–$10 nationally)	$10 above the national median	—	—	Source
Monthly service charge	$30Above the typical range ($3–$10 nationally)	$24.50 above the national median	per month	—	Source
Monthly service charge	$15Above the typical range ($3–$10 nationally)	$9.50 above the national median	per month	—	Source
Monthly service charge	$25Above the typical range ($3–$10 nationally)	$19.50 above the national median	per month	—	Source
Monthly service charge	$5Within the typical range ($3–$10 nationally)	$0.50 below the national median	per month	—	Source
Monthly service charge	$10Within the typical range ($3–$10 nationally)	$4.50 above the national median	per month	—	Source
Monthly service charge	$3Within the typical range ($3–$10 nationally)	$2.50 below the national median	per month	—	Source
Paper Statement	$5Above the typical range ($2–$4 nationally)	$2 above the national median	per year	—	Source
Overdraft & NSFVerified
Overdraft Item/s Fee Per Item	$30Within the typical range ($25–$32 nationally)	At the national median	per year	—	Source
ATM & CardVerified
ATM Service Charge (At A Non-F&M Bank ATM)	$3Above the typical range ($1–$2.50 nationally)	$1.25 above the national median	—	—	Source
Debit Card Replacement Fee	$5
Wire TransfersVerified
Incoming Wire Transfer (Domestic or International) After 2	$10Within the typical range ($10–$25 nationally)	$10 below the national median	—	—	Source
Outgoing Manual Wire Transfer (Domestic)	$30
Check ServicesVerified
ACH Stop Payment Per Request	$30Within the typical range ($20–$30 nationally)	$3.37 above the national median	per month	—	Source
Bill Pay Stop Payment Draft Per Request	$30
Digital & ElectronicVerified
ACH Origination Reversal	$30Above the typical range ($5–$20 nationally)	$20 above the national median	per month	—	Source
Bill Pay Overnight Check	$17.50
Cash & DepositVerified
Chargeback Item Fee	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	—	Source
Night Depository Annual Fee (SC)	$20
Account ServicesVerified
Legal Process	$150Within the typical range ($50–$150 nationally)	$50 above the national median	per year	—	Source
Notary Services Per Signature (SC)	$15
Lending FeesVerified
Late Fee	$10Below the typical range ($15–$25 nationally)	$12 below the national median	—	—	Source
Other FeesVerified
Overnight Delivery Draft	$17.50Below the typical range ($20–$44.38 nationally)	$12.50 below the national median	—	—	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 47

Headline fees published

11 of 15

Published fees

Under review

Assets

$11.8B

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$11.8B

Total deposits

$8.8B

Service charge income

$2.1M

Fee income ratio

2.2%

Return on assets

1.20%

Branches

Service charge income by quarter

Q2 2026$2.1M

Q1 2026$2.2M

Q4 2025$2.1M

Q3 2025$2.1M

Financial profile · Pro

Performance from regulator filings

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