Mechanics & Farmers Bank

Headquarters: Durham, North Carolina
Charter: Bank
Assets: $476.0M
Fed district: Richmond

19 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
Mechanics & Farmers Bank: $50
Mechanics & Farmers Bank: $50
U.S. median: no median
Overdraft (OD)
Mechanics & Farmers Bank: $35
Mechanics & Farmers Bank: $35
U.S. median: no median
NSF / Returned Item
Compared at $35, the middle of its prices
Mechanics & Farmers Bank: $30 to $35
Mechanics & Farmers Bank: $30 to $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 North Carolina, 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).
North Carolina: Banks and credit unions headquartered in North Carolina 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 Mechanics & Farmers Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service$50
per month
Account Closing Fee (if closed within 90 days of opening)$25
Dormant Account Fee$10
per month
Statement Reconciliation (per hour or any part thereof)$35
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Withdrawal (W/D) Fee – Money Market$5
per item
Excessive Withdrawal (W/D) Fee – Savings$2
per item

Overdraft & NSF

Overdraft Fee$35
per item
Paid Item Fee$35
per item
NSF Fee$35
per item
Returned Item Fee$35
per item
Returned Items – Special Instructions$30
per item

ATM & Card

ATM/Debit Card Replacement$7.50

Check Services

Cashier’s Check – Customer$10
Cashier’s Check – Non Customer with an M&F check$15
Counter Checks$2
Check Cashing (non customer)$7.50
Collection Items$15
Per check/statement copy$5
per item

Digital & Electronic

Fee per ACH file$15

Cash & Deposit

Returned Deposited Item Fee$12

Account Services

Notary – CustomerNo charge
Annual Fee: 3×5 (audience not stated, treated as personal)$35
per year
Safe Deposit Box – Drilling$25
Not compared: Box drilling or key fee
Safe Deposit Box – Key Replacement$20
Not compared: Box drilling or key fee
Safe Deposit Box – Late Charge$10
Not compared: Box drilling or key fee
Garnishments or Levies$125

Retirement & IRA

IRA Transfer Fee$50

Other Fees

Special/Interim/Duplicate Statements$7

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

Account Maintenance

Monthly Service$50
per month
Account Closing Fee (if closed within 90 days of opening)$25
Dormant Account Fee$10
per month
Statement Reconciliation (per hour or any part thereof)$35
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Withdrawal (W/D) Fee – Commercial Money Market$15
per item
Excessive Withdrawal (W/D) Fee – Commercial Savings$5
per item
Excessive Withdrawal (W/D) Fee – Money Market$5
per item
Excessive Withdrawal (W/D) Fee – Savings$2
per item

Overdraft & NSF

Overdraft Fee$35
per item
Paid Item Fee$35
per item
NSF Fee$35
per item
Returned Item Fee$35
per item
Returned Items – Special Instructions$30
per item

ATM & Card

ATM/Debit Card Replacement$7.50

Check Services

Cashier’s Check – Customer$10
Cashier’s Check – Non Customer with an M&F check$15
Counter Checks$2
Check Cashing (non customer)$7.50
Collection Items$15
Per check/statement copy$5
per item

Digital & Electronic

Fee per ACH file$15

Cash & Deposit

Returned Deposited Item Fee$12

Account Services

Notary – CustomerNo charge
Safe Deposit Box – Drilling$25
Not compared: Box drilling or key fee
Safe Deposit Box – Key Replacement$20
Not compared: Box drilling or key fee
Safe Deposit Box – Late Charge$10
Not compared: Box drilling or key fee
Garnishments or Levies$125

Retirement & IRA

IRA Transfer Fee$50

Other Fees

Special/Interim/Duplicate Statements$7

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

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.

Fee change alerts

Get an email when Mechanics & Farmers Bank's foreign transaction changes in our data

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Fees against the market

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

Monthly Maintenance
Mechanics & Farmers Bank: $50
Mechanics & Farmers Bank: $50
U.S. median: no median
Overdraft (OD)
Mechanics & Farmers Bank: $35
Mechanics & Farmers Bank: $35
U.S. median: no median
NSF / Returned Item
Compared at $35, the middle of its prices
Mechanics & Farmers Bank: $30 to $35
Mechanics & Farmers Bank: $30 to $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

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).
North Carolina: Banks and credit unions headquartered in North Carolina 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.

Published fee schedule

Amounts from Mechanics & Farmers Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service$50
per month
Account Closing Fee (if closed within 90 days of opening)$25
Dormant Account Fee$10
per month
Statement Reconciliation (per hour or any part thereof)$35
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Withdrawal (W/D) Fee – Money Market$5
per item
Excessive Withdrawal (W/D) Fee – Savings$2
per item

Overdraft & NSF

Overdraft Fee$35
per item
Paid Item Fee$35
per item
NSF Fee$35
per item
Returned Item Fee$35
per item
Returned Items – Special Instructions$30
per item

ATM & Card

ATM/Debit Card Replacement$7.50

Check Services

Cashier’s Check – Customer$10
Cashier’s Check – Non Customer with an M&F check$15
Counter Checks$2
Check Cashing (non customer)$7.50
Collection Items$15
Per check/statement copy$5
per item

Digital & Electronic

Fee per ACH file$15

Cash & Deposit

Returned Deposited Item Fee$12

Account Services

Notary – CustomerNo charge
Annual Fee: 3×5 (audience not stated, treated as personal)$35
per year
Safe Deposit Box – Drilling$25
Not compared: Box drilling or key fee
Safe Deposit Box – Key Replacement$20
Not compared: Box drilling or key fee
Safe Deposit Box – Late Charge$10
Not compared: Box drilling or key fee
Garnishments or Levies$125

Retirement & IRA

IRA Transfer Fee$50

Other Fees

Special/Interim/Duplicate Statements$7

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

Account Maintenance

Monthly Service$50
per month
Account Closing Fee (if closed within 90 days of opening)$25
Dormant Account Fee$10
per month
Statement Reconciliation (per hour or any part thereof)$35
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Withdrawal (W/D) Fee – Commercial Money Market$15
per item
Excessive Withdrawal (W/D) Fee – Commercial Savings$5
per item
Excessive Withdrawal (W/D) Fee – Money Market$5
per item
Excessive Withdrawal (W/D) Fee – Savings$2
per item

Overdraft & NSF

Overdraft Fee$35
per item
Paid Item Fee$35
per item
NSF Fee$35
per item
Returned Item Fee$35
per item
Returned Items – Special Instructions$30
per item

ATM & Card

ATM/Debit Card Replacement$7.50

Check Services

Cashier’s Check – Customer$10
Cashier’s Check – Non Customer with an M&F check$15
Counter Checks$2
Check Cashing (non customer)$7.50
Collection Items$15
Per check/statement copy$5
per item

Digital & Electronic

Fee per ACH file$15

Cash & Deposit

Returned Deposited Item Fee$12

Account Services

Notary – CustomerNo charge
Safe Deposit Box – Drilling$25
Not compared: Box drilling or key fee
Safe Deposit Box – Key Replacement$20
Not compared: Box drilling or key fee
Safe Deposit Box – Late Charge$10
Not compared: Box drilling or key fee
Garnishments or Levies$125

Retirement & IRA

IRA Transfer Fee$50

Other Fees

Special/Interim/Duplicate Statements$7

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

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.