Farmers & Merchants State Bank

Headquarters: Waterloo, Wisconsin
Charter: Bank
Assets: $245.6M
Fed district: Chicago

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

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

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Fees against the market

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

Overdraft (OD)
Farmers & Merchants State Bank: $32
Farmers & Merchants State Bank: $32
U.S. median: no median
Stop Payment
Farmers & Merchants State Bank: $32
Farmers & Merchants State Bank: $32
U.S. median: no median
Wire Transfer (Domestic In)
Farmers & Merchants State Bank: $20
Farmers & Merchants State Bank: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 2026View sources

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

Account Maintenance

Account Reconciliation (1 hour min.)$40
Not compared: Charged per hour; comparison unavailable
per hour
Research (1 hour min.)$40
Not compared: Charged per hour; comparison unavailable
per hour · Research (1 hour min.) | $40.00/Hr.
Paper Statement$3
per month
Undeliverable Mail (per month)$5
per month

Overdraft & NSF

Overdrafts (per item, per presentment): Paid$32
per item
Overdrafts: Paid$32
Overdraft Protection Transfer: Per Occurrence$5
per item

ATM & Card

Damaged/Lost Card$15

Wire Transfers

Wire Transfer: Incoming$20

Check Services

Cashiers Checks: Non-Customer$10
Money Orders ( Limit) Non-Customer (audience not stated, treated as personal)$10
Stop Payment$32
Check Copies$5
per item

Digital & Electronic

ACH Origination Set-up Fee to Another Institution (one time or repetitive)$30

Cash & Deposit

Returned Deposit Items$11

Account Services

Notary PublicNo charge
per item · Free
Drilling & Replacement Lock$350
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)$65
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)$30
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)$15
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)$40
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)$25
Safe Deposit Box: Replacement Lock$100
Not compared: Box drilling or key fee
Garnishments/Levy$150
Subordination$200

Other Fees

Statement Copy$3
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Reconciliation (1 hour min.)	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Research (1 hour min.)	$40Not compared: Charged per hour; comparison unavailable	per hour	Research (1 hour min.) \| $40.00/Hr.
Paper Statement	$3	per month	None
Undeliverable Mail (per month)	$5	per month	None
Overdraft & NSF
Overdrafts (per item, per presentment): Paid	$32	per item	None
Overdrafts: Paid	$32	Not stated	None
Overdraft Protection Transfer: Per Occurrence	$5	per item	None
ATM & Card
Damaged/Lost Card	$15	Not stated	None
Wire Transfers
Wire Transfer: Incoming	$20	Not stated	None
Check Services
Cashiers Checks: Non-Customer	$10	Not stated	None
Money Orders ( Limit) Non-Customer (audience not stated, treated as personal)	$10	Not stated	None
Stop Payment	$32	Not stated	None
Check Copies	$5	per item	None
Digital & Electronic
ACH Origination Set-up Fee to Another Institution (one time or repetitive)	$30	Not stated	None
Cash & Deposit
Returned Deposit Items	$11	Not stated	None
Account Services
Notary Public	No charge	per item	Free
Drilling & Replacement Lock	$350Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)	$65	Not stated	None
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)	$30	Not stated	None
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)	$15	Not stated	None
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)	$40	Not stated	None
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)	$25	Not stated	None
Safe Deposit Box: Replacement Lock	$100Not compared: Box drilling or key fee	Not stated	None
Garnishments/Levy	$150	Not stated	None
Subordination	$200	Not stated	None
Other Fees
Statement Copy	$3	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

Correct a fee source

Feb 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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