Farmers and Merchants Bank of South Carolina

Headquarters: Holly Hill, South Carolina
Charter: Bank
Assets: $413.6M
Fed district: Richmond

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

Source: its fee schedule, read Oct 28, 2026.

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Fees against the market

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
Farmers and Merchants Bank of South Carolina: $3.95 to $4.95
Farmers and Merchants Bank of South Carolina: $3.95 to $4.95
U.S. median: no median
Overdraft (OD)
Farmers and Merchants Bank of South Carolina: $35
Farmers and Merchants Bank of South Carolina: $35
U.S. median: no median
NSF / Returned Item
Farmers and Merchants Bank of South Carolina: $35
Farmers and Merchants Bank of South Carolina: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 28, 2026View sources

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.

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).
South Carolina: Banks and credit unions headquartered in South 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 Farmers and Merchants Bank of South Carolina’s own schedules, with a source for each figure.

Account Maintenance

No Worry-Classic Checking Monthly Maintenance Fee$4.95
per month
Premium Enhanced Checking Monthly Maintenance Fee$3.95
per month
Balance Requirement Fee (daily balance on any day of the statement cycle falls below $1,000.00)$8
per month
Balance Requirement Fee (daily balance on any day of the statement cycle falls below $200.00)$6
Not compared: Quarterly charge, not monthly
per quarter
Account closing fee before 90 days$25
Dormant Account$10
Account research per hour$25
Not compared: Charged per hour; comparison unavailable
per hour · Account research per hour | $25.00

Overdraft & NSF

Overdraft Fee (each)$35
per item
Returned Item Fee (each)$35
per item

ATM & Card

Foreign ATM Charge (customers)$2
Debit card replacement fee$5

Wire Transfers

Wire transfers: Non-customer outgoing$45
Wire transfers: Outgoing$20
Wire transfers: Incoming$15
Wire transfers: Non-customer incoming$35
International wire$55

Check Services

Cashier's checks: Customer$5
Cashier's checks: Non-customer$15
Stop payments (all items)$34
Check cashing fee (non-customer)$15
Collection items$10
Copies of statements and checks per item$5
per item

Cash & Deposit

Charge back$9

Account Services

Drilling Fee$200
Not compared: Box drilling or key fee
Late Fee$5
Not compared: Box drilling or key fee
Lost Key Fee$100
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$100
Safe Deposit Box 2 x 5$25
Safe Deposit Box 20 x 20$125
Safe Deposit Box 3 x 10$60
Safe Deposit Box 3 x 5$40
Safe Deposit Box 5 x 10$70
Safe Deposit Box 5 x 5$50
Levies$100

Retirement & IRA

IRA Transfer Fee$45

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

Correct a fee source

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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