Farmers and Merchants Bank of Long Beach

Headquarters: Long Beach, California
Charter: Bank
Assets: $11.8B
Fed district: San Francisco

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

Source: its fee schedule, read Oct 6, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $20, the middle of its prices
Farmers and Merchants Bank of Long Beach: $5 to $30
Farmers and Merchants Bank of Long Beach: $5 to $30
U.S. median: no median
Overdraft (OD)
Farmers and Merchants Bank of Long Beach: $30
Farmers and Merchants Bank of Long Beach: $30
U.S. median: no median
Non-Network ATM
Farmers and Merchants Bank of Long Beach: $3
Farmers and Merchants Bank of Long Beach: $3
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

Each amount links to the fee schedule it was read from. Medians for California, the San Francisco 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).
California: Banks and credit unions headquartered in California that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco 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 of Long Beach’s own schedules, with a source for each figure.

Account Maintenance

Maintenance fee$30
per month
Monthly service charge$10
per month
Monthly service charge$30
per month
Monthly service charge$5
per month
Monthly service charge$25
per month
Monthly service charge$15
per month
Minimum Balance fee$10
Not compared: Daily charge, not monthly
per day
Minimum Balance Fee (audience not stated, treated as personal)$20
per month
Minimum Balance Fee (audience not stated, treated as personal)$35
Not compared: Daily charge, not monthly
per day
Minimum Balance Fee$15
Escheatment Notice$2
Not compared: Annual charge, not monthly
per year
Escheatment Notice (SC)$2
Inactivity Per Month$4.95
per month
Research Per Hour - Bank Account$50
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement$5
Not compared: Annual charge, not monthly
per year
Undeliverable Statement Handling Fee$5

Overdraft & NSF

Overdraft Item/s Fee Per Item$30
per item

ATM & Card

ATM Service Charge$3
per transaction
ATM Service Charge (At A Non-F&M Bank ATM)$3
Debit Card Replacement Fee$5
per item
Debit Card Replacement Fee (SC)$5
Replacement Of Lost Or Stolen Card$8
Debit Card Rush Delivery Fee$25
Debit Card Rush Delivery Fee (SC)$25
per item
Debit Card Foreign Transaction (International) (SC) (audience not stated, treated as personal)3%of the transaction
Debit Card Foreign Transaction (International) (SC)3%of the transaction

Wire Transfers

Outgoing Manual Wire Transfer (Domestic)$30
Outgoing Online Wire Transfer After 2 Wires$20
Outgoing Wire Transfer (International)$55

Check Services

Cashier's Check$10
Money Order$5
Not compared: Annual charge, not per item
per year
ACH Stop Payment Per Request$30
per item
Bill Pay Stop Payment Draft Per Request$30
per item
Bill Pay Stop Payment Draft Per Request (SC)$30
per item
Stop Payment Online or By Telebanker Per Request$15
Not compared: Annual charge, not per item
per year
Stop Payment Online Per Request$15
per item
Telebanker Stop Payment$15
per item
Counter Check Request Per Sheet$2
per item
Special Statement (Without Check Images)$10

Digital & Electronic

ACH Origination Reversal$30
Not compared: Monthly charge, not per item
per month
Same Day ACH Origination (Credit or Debit) Per Item$1
per item
Standard ACH Origination (After 100 Transactions)$0.15
Standard ACH Origination or Received (Credit or Debit) Per Item$0.20
per item
Bill Pay Overnight Check$17.50
Bill Pay Paid Return Item Per Item$30
Not compared: Per-occurrence charge, not monthly
per item
Bill Pay Re-Issue Draft Per Draft Item$30
Not compared: Per-occurrence charge, not monthly
per item
Debit Card Rush Delivery Fee - International: At Cost: Same Day Electronic Bill Payment$12.95
Same Day Electronic Bill Payment$12.95
Not compared: Per-occurrence charge, not monthly
per item

Cash & Deposit

Chargeback Item Fee$10
Debit Card Foreign Transaction (International): Bill Pay Paid Return Item Per Item$30
per item
Night Depository Annual Fee (SC)$20
Not compared: Annual charge, not per item
per year
Night Depository Replacement Key (SC)$5

Account Services

Notary Services Per Signature$15
Not compared: Annual charge, not per item
per year
Notary Services Per Signature (SC)$15
per item
Annual Rent – 10 x 10$150
per year
Annual Rent – 10 x 15 (SC)$200
per year
Annual Rent – 15 x 15 (SC)$300
per year
Annual Rent – 2 x 5$25
per year
Annual Rent – 3 x 10$70
per year
Annual Rent – 3 x 5 (SC)$50
per year
Annual Rent – 4 x 10$85
per year
Annual Rent – 4 x 5$55
per year
Annual Rent – 5 x 10$100
per year
Annual Rent – 5 x 5$60
per year
Annual Rent – 6 x 10$110
per year
Annual Rent – 8 x 10$130
per year
Annual Rent – 9 x 10$140
per year
Safe Deposit Box Annual Rent – 8 x 10 (audience not stated, treated as personal)$130
per year
Legal Process$150
Not compared: Annual charge, not per item
per year
Verification Of Deposit Per Account$10
Verification Of Deposit Per Account$20

Lending Fees

Late Fee$10

Other Fees

Overnight Delivery Draft$17.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Maintenance fee	$30	per month	None
Monthly service charge	$10	per month	None
Monthly service charge	$30	per month	None
Monthly service charge	$5	per month	None
Monthly service charge	$25	per month	None
Monthly service charge	$15	per month	None
Minimum Balance fee	$10Not compared: Daily charge, not monthly	per day	None
Minimum Balance Fee (audience not stated, treated as personal)	$20	per month	None
Minimum Balance Fee (audience not stated, treated as personal)	$35Not compared: Daily charge, not monthly	per day	None
Minimum Balance Fee	$15	Not stated	None
Escheatment Notice	$2Not compared: Annual charge, not monthly	per year	None
Escheatment Notice (SC)	$2	Not stated	None
Inactivity Per Month	$4.95	per month	None
Research Per Hour - Bank Account	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement	$5Not compared: Annual charge, not monthly	per year	None
Undeliverable Statement Handling Fee	$5	Not stated	None
Overdraft & NSF
Overdraft Item/s Fee Per Item	$30	per item	None
ATM & Card
ATM Service Charge	$3	per transaction	None
ATM Service Charge (At A Non-F&M Bank ATM)	$3	Not stated	None
Debit Card Replacement Fee	$5	per item	None
Debit Card Replacement Fee (SC)	$5	Not stated	None
Replacement Of Lost Or Stolen Card	$8	Not stated	None
Debit Card Rush Delivery Fee	$25	Not stated	None
Debit Card Rush Delivery Fee (SC)	$25	per item	None
Debit Card Foreign Transaction (International) (SC) (audience not stated, treated as personal)	3%of the transaction	Not stated	None
Debit Card Foreign Transaction (International) (SC)	3%of the transaction	Not stated	None
Wire Transfers
Outgoing Manual Wire Transfer (Domestic)	$30	Not stated	None
Outgoing Online Wire Transfer After 2 Wires	$20	Not stated	None
Outgoing Wire Transfer (International)	$55	Not stated	None
Check Services
Cashier's Check	$10	Not stated	None
Money Order	$5Not compared: Annual charge, not per item	per year	None
ACH Stop Payment Per Request	$30	per item	None
Bill Pay Stop Payment Draft Per Request	$30	per item	None
Bill Pay Stop Payment Draft Per Request (SC)	$30	per item	None
Stop Payment Online or By Telebanker Per Request	$15Not compared: Annual charge, not per item	per year	None
Stop Payment Online Per Request	$15	per item	None
Telebanker Stop Payment	$15	per item	None
Counter Check Request Per Sheet	$2	per item	None
Special Statement (Without Check Images)	$10	Not stated	None
Digital & Electronic
ACH Origination Reversal	$30Not compared: Monthly charge, not per item	per month	None
Same Day ACH Origination (Credit or Debit) Per Item	$1	per item	None
Standard ACH Origination (After 100 Transactions)	$0.15	Not stated	None
Standard ACH Origination or Received (Credit or Debit) Per Item	$0.20	per item	None
Bill Pay Overnight Check	$17.50	Not stated	None
Bill Pay Paid Return Item Per Item	$30Not compared: Per-occurrence charge, not monthly	per item	None
Bill Pay Re-Issue Draft Per Draft Item	$30Not compared: Per-occurrence charge, not monthly	per item	None
Debit Card Rush Delivery Fee - International: At Cost: Same Day Electronic Bill Payment	$12.95	Not stated	None
Same Day Electronic Bill Payment	$12.95Not compared: Per-occurrence charge, not monthly	per item	None
Cash & Deposit
Chargeback Item Fee	$10	Not stated	None
Debit Card Foreign Transaction (International): Bill Pay Paid Return Item Per Item	$30	per item	None
Night Depository Annual Fee (SC)	$20Not compared: Annual charge, not per item	per year	None
Night Depository Replacement Key (SC)	$5	Not stated	None
Account Services
Notary Services Per Signature	$15Not compared: Annual charge, not per item	per year	None
Notary Services Per Signature (SC)	$15	per item	None
Annual Rent – 10 x 10	$150	per year	None
Annual Rent – 10 x 15 (SC)	$200	per year	None
Annual Rent – 15 x 15 (SC)	$300	per year	None
Annual Rent – 2 x 5	$25	per year	None
Annual Rent – 3 x 10	$70	per year	None
Annual Rent – 3 x 5 (SC)	$50	per year	None
Annual Rent – 4 x 10	$85	per year	None
Annual Rent – 4 x 5	$55	per year	None
Annual Rent – 5 x 10	$100	per year	None
Annual Rent – 5 x 5	$60	per year	None
Annual Rent – 6 x 10	$110	per year	None
Annual Rent – 8 x 10	$130	per year	None
Annual Rent – 9 x 10	$140	per year	None
Safe Deposit Box Annual Rent – 8 x 10 (audience not stated, treated as personal)	$130	per year	None
Legal Process	$150Not compared: Annual charge, not per item	per year	None
Verification Of Deposit Per Account	$10	Not stated	None
Verification Of Deposit Per Account	$20	Not stated	None
Lending Fees
Late Fee	$10	Not stated	None
Other Fees
Overnight Delivery Draft	$17.50	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

Oct 6, 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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