Farmers & Merchants Bank

Headquarters: Eatonton, Georgia
Charter: Bank
Assets: $289.6M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 14, 2026.

Explore Hamilton View published fees

Fees against the market

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

Non-Network ATM
Farmers & Merchants Bank: $1
Farmers & Merchants Bank: $1
U.S. median: no median
Wire Transfer (Domestic Out)
Farmers & Merchants Bank: $30
Farmers & Merchants Bank: $30
U.S. median: no median
Stop Payment
Farmers & Merchants Bank: $35
Farmers & Merchants Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Georgia, the Atlanta 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).
Georgia: Banks and credit unions headquartered in Georgia that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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

Account Research per hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Monthly Paper Statement (Effective 9/15/21)$5
per month

ATM & Card

Foreign ATM Inquiry Fee$1
Foreign ATM Transaction Fee$1
Replacement ATM/Debit Card Fee$10

Wire Transfers

Wire Transfer Fee (Domestic): Outgoing$30
Wire Transfer Fee (Domestic): Incoming$25
Wire Transfer Fee (International): Outgoing$50
Wire Transfer Fee (International): Incoming$50

Check Services

Official Bank Check$7
Stop Payment Charge$35
Encoded Counter Check$1
Copy of check or document$1

Digital & Electronic

Bill PayNo charge
Mobile DepositNo charge

Cash & Deposit

MasterCard/Visa Cash Advance$10
MasterCard/Visa Cash Advance (audience not stated, treated as personal)10%of the advance ($10 minimum, $50 maximum)

Account Services

Notary ServicesNo charge
Garnishment/Levy$150

Retirement & IRA

IRA Maintenance Fee (charged at transfer/account closing)$50

Other Fees

Statement Reprint: each additional page$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Research per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly Paper Statement (Effective 9/15/21)	$5	per month	None
ATM & Card
Foreign ATM Inquiry Fee	$1	Not stated	None
Foreign ATM Transaction Fee	$1	Not stated	None
Replacement ATM/Debit Card Fee	$10	Not stated	None
Wire Transfers
Wire Transfer Fee (Domestic): Outgoing	$30	Not stated	None
Wire Transfer Fee (Domestic): Incoming	$25	Not stated	None
Wire Transfer Fee (International): Outgoing	$50	Not stated	None
Wire Transfer Fee (International): Incoming	$50	Not stated	None
Check Services
Official Bank Check	$7	Not stated	None
Stop Payment Charge	$35	Not stated	None
Encoded Counter Check	$1	Not stated	None
Copy of check or document	$1	Not stated	None
Digital & Electronic
Bill Pay	No charge	Not stated	None
Mobile Deposit	No charge	Not stated	None
Cash & Deposit
MasterCard/Visa Cash Advance	$10	Not stated	None
MasterCard/Visa Cash Advance (audience not stated, treated as personal)	10%of the advance ($10 minimum, $50 maximum)	Not stated	None
Account Services
Notary Services	No charge	Not stated	None
Garnishment/Levy	$150	Not stated	None
Retirement & IRA
IRA Maintenance Fee (charged at transfer/account closing)	$50	Not stated	None
Other Fees
Statement Reprint: each additional page	$1	per item	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

Account Research per hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Monthly Paper Statement (Effective 9/15/21)$5
per month

ATM & Card

Foreign ATM Inquiry Fee$1
Foreign ATM Transaction Fee$1
Replacement ATM/Debit Card Fee$10

Wire Transfers

Wire Transfer Fee (Domestic): Outgoing$30
Wire Transfer Fee (Domestic): Incoming$25
Wire Transfer Fee (International): Outgoing$50
Wire Transfer Fee (International): Incoming$50

Check Services

Official Bank Check$7
Stop Payment Charge$35
Encoded Counter Check$1
Copy of check or document$1

Digital & Electronic

Bill PayNo charge
Mobile DepositNo charge

Cash & Deposit

MasterCard/Visa Cash Advance$10
Return Deposit Item Fee (Commercial Only)$8

Account Services

Notary ServicesNo charge
Garnishment/Levy$150

Retirement & IRA

IRA Maintenance Fee (charged at transfer/account closing)$50

Other Fees

Statement Reprint: each additional page$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Research per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly Paper Statement (Effective 9/15/21)	$5	per month	None
ATM & Card
Foreign ATM Inquiry Fee	$1	Not stated	None
Foreign ATM Transaction Fee	$1	Not stated	None
Replacement ATM/Debit Card Fee	$10	Not stated	None
Wire Transfers
Wire Transfer Fee (Domestic): Outgoing	$30	Not stated	None
Wire Transfer Fee (Domestic): Incoming	$25	Not stated	None
Wire Transfer Fee (International): Outgoing	$50	Not stated	None
Wire Transfer Fee (International): Incoming	$50	Not stated	None
Check Services
Official Bank Check	$7	Not stated	None
Stop Payment Charge	$35	Not stated	None
Encoded Counter Check	$1	Not stated	None
Copy of check or document	$1	Not stated	None
Digital & Electronic
Bill Pay	No charge	Not stated	None
Mobile Deposit	No charge	Not stated	None
Cash & Deposit
MasterCard/Visa Cash Advance	$10	Not stated	None
Return Deposit Item Fee (Commercial Only)	$8	Not stated	None
Account Services
Notary Services	No charge	Not stated	None
Garnishment/Levy	$150	Not stated	None
Retirement & IRA
IRA Maintenance Fee (charged at transfer/account closing)	$50	Not stated	None
Other Fees
Statement Reprint: each additional page	$1	per item	None

Correct a fee source

Oct 14, 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 Farmers & Merchants Bank's early account closure 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.

Non-Network ATM
Farmers & Merchants Bank: $1
Farmers & Merchants Bank: $1
U.S. median: no median
Wire Transfer (Domestic Out)
Farmers & Merchants Bank: $30
Farmers & Merchants Bank: $30
U.S. median: no median
Stop Payment
Farmers & Merchants Bank: $35
Farmers & Merchants Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

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

Account Maintenance

Account Research per hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Monthly Paper Statement (Effective 9/15/21)$5
per month

ATM & Card

Foreign ATM Inquiry Fee$1
Foreign ATM Transaction Fee$1
Replacement ATM/Debit Card Fee$10

Wire Transfers

Wire Transfer Fee (Domestic): Outgoing$30
Wire Transfer Fee (Domestic): Incoming$25
Wire Transfer Fee (International): Outgoing$50
Wire Transfer Fee (International): Incoming$50

Check Services

Official Bank Check$7
Stop Payment Charge$35
Encoded Counter Check$1
Copy of check or document$1

Digital & Electronic

Bill PayNo charge
Mobile DepositNo charge

Cash & Deposit

MasterCard/Visa Cash Advance$10
MasterCard/Visa Cash Advance (audience not stated, treated as personal)10%of the advance ($10 minimum, $50 maximum)

Account Services

Notary ServicesNo charge
Garnishment/Levy$150

Retirement & IRA

IRA Maintenance Fee (charged at transfer/account closing)$50

Other Fees

Statement Reprint: each additional page$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Research per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly Paper Statement (Effective 9/15/21)	$5	per month	None
ATM & Card
Foreign ATM Inquiry Fee	$1	Not stated	None
Foreign ATM Transaction Fee	$1	Not stated	None
Replacement ATM/Debit Card Fee	$10	Not stated	None
Wire Transfers
Wire Transfer Fee (Domestic): Outgoing	$30	Not stated	None
Wire Transfer Fee (Domestic): Incoming	$25	Not stated	None
Wire Transfer Fee (International): Outgoing	$50	Not stated	None
Wire Transfer Fee (International): Incoming	$50	Not stated	None
Check Services
Official Bank Check	$7	Not stated	None
Stop Payment Charge	$35	Not stated	None
Encoded Counter Check	$1	Not stated	None
Copy of check or document	$1	Not stated	None
Digital & Electronic
Bill Pay	No charge	Not stated	None
Mobile Deposit	No charge	Not stated	None
Cash & Deposit
MasterCard/Visa Cash Advance	$10	Not stated	None
MasterCard/Visa Cash Advance (audience not stated, treated as personal)	10%of the advance ($10 minimum, $50 maximum)	Not stated	None
Account Services
Notary Services	No charge	Not stated	None
Garnishment/Levy	$150	Not stated	None
Retirement & IRA
IRA Maintenance Fee (charged at transfer/account closing)	$50	Not stated	None
Other Fees
Statement Reprint: each additional page	$1	per item	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

Account Research per hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Monthly Paper Statement (Effective 9/15/21)$5
per month

ATM & Card

Foreign ATM Inquiry Fee$1
Foreign ATM Transaction Fee$1
Replacement ATM/Debit Card Fee$10

Wire Transfers

Wire Transfer Fee (Domestic): Outgoing$30
Wire Transfer Fee (Domestic): Incoming$25
Wire Transfer Fee (International): Outgoing$50
Wire Transfer Fee (International): Incoming$50

Check Services

Official Bank Check$7
Stop Payment Charge$35
Encoded Counter Check$1
Copy of check or document$1

Digital & Electronic

Bill PayNo charge
Mobile DepositNo charge

Cash & Deposit

MasterCard/Visa Cash Advance$10
Return Deposit Item Fee (Commercial Only)$8

Account Services

Notary ServicesNo charge
Garnishment/Levy$150

Retirement & IRA

IRA Maintenance Fee (charged at transfer/account closing)$50

Other Fees

Statement Reprint: each additional page$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Research per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly Paper Statement (Effective 9/15/21)	$5	per month	None
ATM & Card
Foreign ATM Inquiry Fee	$1	Not stated	None
Foreign ATM Transaction Fee	$1	Not stated	None
Replacement ATM/Debit Card Fee	$10	Not stated	None
Wire Transfers
Wire Transfer Fee (Domestic): Outgoing	$30	Not stated	None
Wire Transfer Fee (Domestic): Incoming	$25	Not stated	None
Wire Transfer Fee (International): Outgoing	$50	Not stated	None
Wire Transfer Fee (International): Incoming	$50	Not stated	None
Check Services
Official Bank Check	$7	Not stated	None
Stop Payment Charge	$35	Not stated	None
Encoded Counter Check	$1	Not stated	None
Copy of check or document	$1	Not stated	None
Digital & Electronic
Bill Pay	No charge	Not stated	None
Mobile Deposit	No charge	Not stated	None
Cash & Deposit
MasterCard/Visa Cash Advance	$10	Not stated	None
Return Deposit Item Fee (Commercial Only)	$8	Not stated	None
Account Services
Notary Services	No charge	Not stated	None
Garnishment/Levy	$150	Not stated	None
Retirement & IRA
IRA Maintenance Fee (charged at transfer/account closing)	$50	Not stated	None
Other Fees
Statement Reprint: each additional page	$1	per item	None

Correct a fee source

Oct 14, 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.