Farmers and Merchants Bank of St. Clair

Headquarters: Saint Clair, Missouri
Charter: Bank
Assets: $343.5M
Fed district: St. Louis

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

Source: its fee schedule, read Oct 17, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Farmers and Merchants Bank of St. Clair: $35
Farmers and Merchants Bank of St. Clair: $35
U.S. median: no median
NSF / Returned Item
Farmers and Merchants Bank of St. Clair: $35
Farmers and Merchants Bank of St. Clair: $35
U.S. median: no median
Non-Network ATM
Compared at $3.50, the middle of its prices
Farmers and Merchants Bank of St. Clair: $3 to $4
Farmers and Merchants Bank of St. Clair: $3 to $4
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Missouri, the St. Louis 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).
Missouri: Banks and credit unions headquartered in Missouri that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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 St. Clair’s own schedules, with a source for each figure.

Account Maintenance

Maintenance fee (average daily balance for the month falls below $2500)$10
per month
Early Account Closing Fee$20
Dormant Charge$10
per month
Reconciliation Fees$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$4
per month

Overdraft & NSF

NSF Paid Item Fee$35
per item
NSF Returned Item Fee$35
per item

ATM & Card

ATM / Debit Card Services: ATM Foreign Withdrawal$3
per item
ATM Fee$4
Replacement ATM/Debit Card$10

Wire Transfers

Domestic outgoing wire$60
Domestic incoming wire$25

Check Services

Cashier's Checks$5
per item
Stop Payment Fee$35
Collection Items Sent$25

Cash & Deposit

Coin Machine15%
Returned Deposit Item Fee$15

Account Services

Notary Fee$2
Forced Entry to Safe Deposit Box Fee$225
Not compared: Box drilling or key fee
per item
Safe Deposit Box Late Payment Fee$10
Not compared: Box drilling or key fee
Garnishment Fee$75
Levy Fee$75
Subpoena/Production of Documents$30
Not compared: Charged per hour; comparison unavailable
per hour
Deposit Verification Fee$5

Other Fees

Non-customer Fax Charge$10

Fee	Amount	Basis	Note
Account Maintenance
Maintenance fee (average daily balance for the month falls below $2500)	$10	per month	None
Early Account Closing Fee	$20	Not stated	None
Dormant Charge	$10	per month	None
Reconciliation Fees	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$4	per month	None
Overdraft & NSF
NSF Paid Item Fee	$35	per item	None
NSF Returned Item Fee	$35	per item	None
ATM & Card
ATM / Debit Card Services: ATM Foreign Withdrawal	$3	per item	None
ATM Fee	$4	Not stated	None
Replacement ATM/Debit Card	$10	Not stated	None
Wire Transfers
Domestic outgoing wire	$60	Not stated	None
Domestic incoming wire	$25	Not stated	None
Check Services
Cashier's Checks	$5	per item	None
Stop Payment Fee	$35	Not stated	None
Collection Items Sent	$25	Not stated	None
Cash & Deposit
Coin Machine	15%	Not stated	None
Returned Deposit Item Fee	$15	Not stated	None
Account Services
Notary Fee	$2	Not stated	None
Forced Entry to Safe Deposit Box Fee	$225Not compared: Box drilling or key fee	per item	None
Safe Deposit Box Late Payment Fee	$10Not compared: Box drilling or key fee	Not stated	None
Garnishment Fee	$75	Not stated	None
Levy Fee	$75	Not stated	None
Subpoena/Production of Documents	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Deposit Verification Fee	$5	Not stated	None
Other Fees
Non-customer Fax Charge	$10	Not stated	None

Correct a fee source

Oct 17, 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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