17 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 20, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $9.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Kansas, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Amounts from Farmers & Merchants Bank of Colby’s own schedules, with a source for each figure.
per month
per month
per month
per item
per item
per year
per year
per year
per year
per year
per year
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Earn interest on checking Monthly service charge | $12 | per month | None |
| Interest Checking Monthly service charge | $7 | per month | None |
| Monthly Dormant Account Fee/No activity for 1 year, and Undeliverable Mail on an Inactive Account | $10 | per month | None |
| Excess Withdrawal Fee | $1 | per item | None |
| Excess Withdrawal Fee – per item if over 9 per quarter/Savings Account (audience not stated, treated as personal) | $1 | per item | None |
Overdraft & NSF | |||
| Overdraft Charge \ For each Overdraft created by check, in-person withdrawal or by other electronic means | $20 | per item | None |
| Return Check Charge \ For each returned item created by check, in-person withdrawal or by other electronic means/Per Ite | $25 | per item | None |
ATM & Card | |||
| ATM Withdrawal Fee/Non-Local ATM | $1 | Not stated | None |
| Debit Card Replacement/Per Request | $5 | per item | None |
Wire Transfers | |||
| Wire Transfer-Customer Outgoing / Per Transfer | $20 | Not stated | None |
Check Services | |||
| Money Order/Cashier’s Check | $5 | Not stated | None |
| Stop Payment/Per Request | $15 | per item | None |
Digital & Electronic | |||
| ACH Unauthorized Return/Per Item | $5 | per item | None |
| Expedited Bill Pay | $14.95 | Not stated | None |
Cash & Deposit | |||
| Return Deposited Item Charge/Per Item | $2 | per item | None |
| Night Drop Key Replacement | $10 | Not stated | None |
Account Services | |||
| Safe Deposit Box 10”x10”x22”/Year | $50 | per year | None |
| Safe Deposit Box 3”x10”x22”/Year | $25 | per year | None |
| Safe Deposit Box 4”x10”x22”/Year | $30 | per year | None |
| Safe Deposit Box 4”x5”x22”/Year | $19 | per year | None |
| Safe Deposit Box 5”x5”x22”/Year | $21 | per year | None |
| Safe Deposit Box Drilling/Per Box | $14Not compared: Box drilling or key fee | per year | None |
| Safe Deposit Box Drilling/Per Box | $100Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box non-key return | $10Not compared: Box drilling or key fee | Not stated | None |
| Garnishments/Per Garnishment | $25 | per item | None |
Other Fees | |||
| Fax/Per Page | $2 | 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
Oct 20, 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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