19 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 3, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
NSF / Returned Item
Compared at $35, the middle of its prices
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for North Carolina, the Richmond 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.
Mechanics & Farmers Bank · $476M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Mechanics & Farmers Bank(this institution) | Durham, NC | $476M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Arundel Federal Savings Bank | Glen Burnie, MD | $492M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Century Bank and Trust | Milledgeville, GA | $491M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Bank & Trust Company | Plaquemine, LA | $481M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens National Bank of Cheboygan | Cheboygan, MI | $471M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dean Co-operative Bank | Franklin, MA | $494M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Eclipse Bank, Inc. | Louisville, KY | $486M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| EvaBank | Eva, AL | $491M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank in New Bremen | New Bremen, OH | $467M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| FNB Community Bank | Midwest City, OK | $480M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| FSNB, National Association | Lawton, OK | $478M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fulton Savings Bank | Fulton, NY | $492M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hoyne Savings Bank | Chicago, IL | $480M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Iowa State Bank | Des Moines, IA | $481M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Local Bank | Hulbert, OK | $463M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Meade County Bank | Brandenburg, KY | $458M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northview Bank | Sandstone, MN | $470M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ohio State Bank | Bexley, OH | $484M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pbt Bancorp | Hazard, KY | $473M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Seamen's Bank | Provincetown, MA | $478M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southwest Capital Bank | Albuquerque, NM | $483M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sterling Federal Bank, F.S.B. | Sterling, IL | $482M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bank, National Association | McAlester, OK | $488M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bippus State Bank | Huntington, IN | $459M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Citizens Bank of Clovis | Clovis, NM | $493M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wallkill Valley Federal Savings and Loan Association | Wallkill, NY | $485M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $50, against a peer median of $7 among 16 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026. Total assets from FDIC and NCUA records.
Amounts from Mechanics & Farmers Bank’s own schedules, with a source for each figure.
per month
per month
per hour
per item
per item
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service | $50 | per month | None |
| Account Closing Fee (if closed within 90 days of opening) | $25 | Not stated | None |
| Dormant Account Fee | $10 | per month | None |
| Statement Reconciliation (per hour or any part thereof) | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excessive Withdrawal (W/D) Fee – Money Market | $5 | per item | None |
| Excessive Withdrawal (W/D) Fee – Savings | $2 | per item | None |
Overdraft & NSF | |||
| Overdraft Fee | $35 | per item | None |
| Paid Item Fee | $35 | per item | None |
| NSF Fee | $35 | per item | None |
| Returned Item Fee | $35 | per item | None |
| Returned Items – Special Instructions | $30 | per item | None |
ATM & Card | |||
| ATM/Debit Card Replacement | $7.50 | Not stated | None |
Check Services | |||
| Cashier’s Check – Customer | $10 | Not stated | None |
| Cashier’s Check – Non Customer with an M&F check | $15 | Not stated | None |
| Counter Checks | $2 | Not stated | None |
| Check Cashing (non customer) | $7.50 | Not stated | None |
| Collection Items | $15 | Not stated | None |
| Per check/statement copy | $5 | per item | None |
Digital & Electronic | |||
| Fee per ACH file | $15 | Not stated | None |
Cash & Deposit | |||
| Returned Deposited Item Fee | $12 | Not stated | None |
Account Services | |||
| Notary – Customer | No charge | Not stated | None |
| Annual Fee: 3×5 (audience not stated, treated as personal) | $35 | per year | None |
| Safe Deposit Box – Drilling | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box – Key Replacement | $20Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box – Late Charge | $10Not compared: Box drilling or key fee | Not stated | None |
| Garnishments or Levies | $125 | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Fee | $50 | Not stated | None |
Other Fees | |||
| Special/Interim/Duplicate Statements | $7 | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
per month
per month
per hour
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service | $50 | per month | None |
| Account Closing Fee (if closed within 90 days of opening) | $25 | Not stated | None |
| Dormant Account Fee | $10 | per month | None |
| Statement Reconciliation (per hour or any part thereof) | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excessive Withdrawal (W/D) Fee – Commercial Money Market | $15 | per item | None |
| Excessive Withdrawal (W/D) Fee – Commercial Savings | $5 | per item | None |
| Excessive Withdrawal (W/D) Fee – Money Market | $5 | per item | None |
| Excessive Withdrawal (W/D) Fee – Savings | $2 | per item | None |
Overdraft & NSF | |||
| Overdraft Fee | $35 | per item | None |
| Paid Item Fee | $35 | per item | None |
| NSF Fee | $35 | per item | None |
| Returned Item Fee | $35 | per item | None |
| Returned Items – Special Instructions | $30 | per item | None |
ATM & Card | |||
| ATM/Debit Card Replacement | $7.50 | Not stated | None |
Check Services | |||
| Cashier’s Check – Customer | $10 | Not stated | None |
| Cashier’s Check – Non Customer with an M&F check | $15 | Not stated | None |
| Counter Checks | $2 | Not stated | None |
| Check Cashing (non customer) | $7.50 | Not stated | None |
| Collection Items | $15 | Not stated | None |
| Per check/statement copy | $5 | per item | None |
Digital & Electronic | |||
| Fee per ACH file | $15 | Not stated | None |
Cash & Deposit | |||
| Returned Deposited Item Fee | $12 | Not stated | None |
Account Services | |||
| Notary – Customer | No charge | Not stated | None |
| Safe Deposit Box – Drilling | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box – Key Replacement | $20Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box – Late Charge | $10Not compared: Box drilling or key fee | Not stated | None |
| Garnishments or Levies | $125 | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Fee | $50 | Not stated | None |
Other Fees | |||
| Special/Interim/Duplicate Statements | $7 | Not stated | None |
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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