20 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 28, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Premium Enhanced Checking $3.95 · No Worry-Classic Checking $4.95
Compared at $4.45, 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 South 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.
Farmers and Merchants Bank of South Carolina · $414M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Farmers and Merchants Bank of South Carolina(this institution) | Holly Hill, SC | $414M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alliance Community Bank | Petersburg, IL | $414M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Frankewing | Frankewing, TN | $413M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Bank of Lexington, Inc. | Lexington, KY | $411M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of the Bluegrass and Trust Company | Lexington, KY | $407M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Zachary | Zachary, LA | $416M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Cattle Bank and Trust | Seward, NE | $422M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Central State Bank | Coralville, IA | $419M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Devon Bank | Chicago, IL | $419M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers State Bank of Calhan | Calhan, CO | $416M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers Trust and Savings Bank | Buffalo Center, IA | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Lockhart Bank | Lockhart, TX | $416M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First National Bank in DeRidder | DeRidder, LA | $419M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Vision Bank of Tennessee | Tullahoma, TN | $414M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fleetwood Bank | Fleetwood, PA | $416M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| FORTE BANK | Hartford, WI | $404M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Founders Bank | Washington, DC | $406M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Heritage Bank & Trust | Columbia, TN | $418M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Kentland Bank | Kentland, IN | $419M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| MA Bank | Macon, MO | $417M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pike National Bank | Mccomb, MS | $409M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| River City Bank | Rome, GA | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sentry Bank | Saint Joseph, MN | $415M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| State Bank & Trust | Winfield, AL | $413M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Elmer | Elmer, NJ | $408M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Grant County Bank | Petersburg, WV | $407M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $4.45, the middle of its two prices, against a peer median of $6 among 14 publishing peers.
Its two checking prices are $3.95 and $4.95.
$4.45 is a comparison price, not a fee anyone is charged.
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 17, 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 17, 2026. Total assets from FDIC and NCUA records.
Amounts from Farmers and Merchants Bank of South Carolina’s own schedules, with a source for each figure.
per month
per month
per month
per quarter
per hour · Account research per hour | $25.00
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| No Worry-Classic Checking Monthly Maintenance Fee | $4.95 | per month | None |
| Premium Enhanced Checking Monthly Maintenance Fee | $3.95 | per month | None |
| Balance Requirement Fee (daily balance on any day of the statement cycle falls below $1,000.00) | $8 | per month | None |
| Balance Requirement Fee (daily balance on any day of the statement cycle falls below $200.00) | $6Not compared: Quarterly charge, not monthly | per quarter | None |
| Account closing fee before 90 days | $25 | Not stated | None |
| Dormant Account | $10 | Not stated | None |
| Account research per hour | $25Not compared: Charged per hour; comparison unavailable | per hour | Account research per hour | $25.00 |
Overdraft & NSF | |||
| Overdraft Fee (each) | $35 | per item | None |
| Returned Item Fee (each) | $35 | per item | None |
ATM & Card | |||
| Foreign ATM Charge (customers) | $2 | Not stated | None |
| Debit card replacement fee | $5 | Not stated | None |
Wire Transfers | |||
| Wire transfers: Non-customer outgoing | $45 | Not stated | None |
| Wire transfers: Outgoing | $20 | Not stated | None |
| Wire transfers: Incoming | $15 | Not stated | None |
| Wire transfers: Non-customer incoming | $35 | Not stated | None |
| International wire | $55 | Not stated | None |
Check Services | |||
| Cashier's checks: Customer | $5 | Not stated | None |
| Cashier's checks: Non-customer | $15 | Not stated | None |
| Stop payments (all items) | $34 | Not stated | None |
| Check cashing fee (non-customer) | $15 | Not stated | None |
| Collection items | $10 | Not stated | None |
| Copies of statements and checks per item | $5 | per item | None |
Cash & Deposit | |||
| Charge back | $9 | Not stated | None |
Account Services | |||
| Drilling Fee | $200Not compared: Box drilling or key fee | Not stated | None |
| Late Fee | $5Not compared: Box drilling or key fee | Not stated | None |
| Lost Key Fee | $100Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 | $100 | Not stated | None |
| Safe Deposit Box 2 x 5 | $25 | Not stated | None |
| Safe Deposit Box 20 x 20 | $125 | Not stated | None |
| Safe Deposit Box 3 x 10 | $60 | Not stated | None |
| Safe Deposit Box 3 x 5 | $40 | Not stated | None |
| Safe Deposit Box 5 x 10 | $70 | Not stated | None |
| Safe Deposit Box 5 x 5 | $50 | Not stated | None |
| Levies | $100 | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Fee | $45 | Not stated | None |
Oct 28, 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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