Farmers & Merchants Bank

Headquarters: Miamisburg, Ohio
Charter: Bank
Assets: $359.4M
Fed district: Cleveland

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

Source: its fee schedule, read Oct 13, 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
Freedom Checking
Farmers & Merchants Bank: $10
Farmers & Merchants Bank: $10
U.S. median: no median
Overdraft (OD)
Farmers & Merchants Bank: $30
Farmers & Merchants Bank: $30
U.S. median: no median
NSF / Returned Item
Farmers & Merchants Bank: $30
Farmers & Merchants Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 13, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland 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).
Ohio: Banks and credit unions headquartered in Ohio that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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 & Merchants Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly service fee$10
per month · Avoid the $10.00 monthly service fee by maintaining a minimum daily balance of $2,000.00
Account Closing (within 6 months)$50
Escheatment Processing$75
Account ReconciliationNo charge
Record Research (per hour)$50
Not compared: Charged per hour; comparison unavailable
per hour
$3.00 monthly maintenance fee for paper statement$3
per month
Monthly maintenance fee for paper statement$3
per month
Statement Request (fee per statement, partial or full)$5
per item · fee per statement, partial or full

Overdraft & NSF

Checking Non-Sufficient Funds (NSF) & Overdraft (OD)$30
Savings Non-Sufficient Funds (NSF) & Overdraft (OD)$30
Savings Non-Sufficient Funds (NSF) & Overdraft (OD)$30

ATM & Card

Replacement of ATM/Debit Card$10
Expedited Delivery of ATM/Debit Card$60

Wire Transfers

Outgoing Domestic Wire Transfer$30
Outgoing International Wire Transfer$55
Incoming Wire Transfer (domestic and international)$15
per item · domestic and international

Check Services

Cashier’s Checks$7
Bank Money Order$5
Stop Payment Order$30
Counter Checks (quantity of 4)$5
Non-Customer On-Us Check Cashing (checks over $50)$5
per item
Collection Item (Domestic)No charge
Collection Item (Foreign)$15

Cash & Deposit

Deposited Item Returned$12

Account Services

Notary FeeNo charge
per item · $5.00 charge for non-F&M customers
Notary Fee$5
Lost Key$10
Not compared: Box drilling or key fee
Garnishment/Lien – Legal or IRS$50
Subpoena Record Research (per hour, charged to law firm)$50
Not compared: Charged per hour; comparison unavailable
per hour

Other Fees

Photocopy FeeNo charge

Fee	Amount	Basis	Note
Account Maintenance
Monthly service fee	$10	per month	Avoid the $10.00 monthly service fee by maintaining a minimum daily balance of $2,000.00
Account Closing (within 6 months)	$50	Not stated	None
Escheatment Processing	$75	Not stated	None
Account Reconciliation	No charge	Not stated	None
Record Research (per hour)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
$3.00 monthly maintenance fee for paper statement	$3	per month	None
Monthly maintenance fee for paper statement	$3	per month	None
Statement Request (fee per statement, partial or full)	$5	per item	fee per statement, partial or full
Overdraft & NSF
Checking Non-Sufficient Funds (NSF) & Overdraft (OD)	$30	Not stated	None
Savings Non-Sufficient Funds (NSF) & Overdraft (OD)	$30	Not stated	None
Savings Non-Sufficient Funds (NSF) & Overdraft (OD)	$30	Not stated	None
ATM & Card
Replacement of ATM/Debit Card	$10	Not stated	None
Expedited Delivery of ATM/Debit Card	$60	Not stated	None
Wire Transfers
Outgoing Domestic Wire Transfer	$30	Not stated	None
Outgoing International Wire Transfer	$55	Not stated	None
Incoming Wire Transfer (domestic and international)	$15	per item	domestic and international
Check Services
Cashier’s Checks	$7	Not stated	None
Bank Money Order	$5	Not stated	None
Stop Payment Order	$30	Not stated	None
Counter Checks (quantity of 4)	$5	Not stated	None
Non-Customer On-Us Check Cashing (checks over $50)	$5	per item	None
Collection Item (Domestic)	No charge	Not stated	None
Collection Item (Foreign)	$15	Not stated	None
Cash & Deposit
Deposited Item Returned	$12	Not stated	None
Account Services
Notary Fee	No charge	per item	$5.00 charge for non-F&M customers
Notary Fee	$5	Not stated	None
Lost Key	$10Not compared: Box drilling or key fee	Not stated	None
Garnishment/Lien – Legal or IRS	$50	Not stated	None
Subpoena Record Research (per hour, charged to law firm)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Other Fees
Photocopy Fee	No charge	Not stated	None

Correct a fee source

Oct 13, 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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