16 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 16, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Non-Network ATM
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Kansas, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Amounts from The Farmers State Bank of Westmoreland’s own schedules, with a source for each figure.
per month
per month
per hour
per hour
per month
per item
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Effect of closing an account Minimum balance fee | $5 | per month | None |
| Inactivity Fee - per month (Accts ≤ $200 with no activity for 3 years) | $5 | per month | None |
| Account Balancing Assistance Fee - per hour | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research Fee - per hour | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Statement Fee - per month | $10 | per month | None |
Overdraft & NSF | |||
| Overdraft Fee - per item | $27 | per item | None |
| Return Item Fee - per attempt | $27 | Not stated | None |
ATM & Card | |||
| ATM Transaction Fee (Foreign ATM) (outside of Allpoint network) | $2 | Not stated | None |
| Reissue Damaged ATM/Debit Card (same #) | $15 | Not stated | None |
| Reissue Lost ATM/Debit Card (new #) | $30 | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fee - Outgoing | $25 | Not stated | None |
| Wire Transfer Fee - Incoming | No charge | Not stated | None |
Check Services | |||
| Bank Money Order | $5 | Not stated | None |
| Personal Money Order (up to $1,000) | $2 | Not stated | None |
| Stop Payment Fee | $27 | Not stated | None |
| Temporary Check Printing - per item (minimum: increments of four) | $0.50 | per item | None |
| Non-customer Foreign Check Cashing | 1%($5 minimum) | Not stated | None |
| Non-customer Foreign Check Cashing (audience not stated, treated as personal) | 1%($5 minimum) | Not stated | None |
Account Services | |||
| 10 X 10 Safe Deposit Box - per year | $60 | per year | None |
| 3 X 10 Safe Deposit Box - per year | $35 | per year | None |
| 5 X 10 Safe Deposit Box - per year | $40 | per year | None |
| 5 X 5 Safe Deposit Box - per year | $30 | per year | None |
| 8 X 10 Safe Deposit Box - per year | $60 | per year | None |
| Safe Deposit Box Break Open Fee | $200 | Not stated | None |
| Safe Deposit Box Key Replacement | $20Not compared: Box drilling or key fee | Not stated | None |
| Garnishment Fee | $15 | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card Fee | $5 | Not stated | None |
Other Fees | |||
| Email Statement Reprint - per statement | $5 | Not stated | None |
| Incoming Fax - unlimited pages | $2 | Not stated | None |
| Outgoing Fax - first five pages | $3 | Not stated | None |
| Outgoing Fax - per page after fifth page | $0.50 | per item | None |
| Photocopies - per page | $0.10 | 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
per month
per hour
per hour
per month
per item
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactivity Fee - per month (Accts ≤ $200 with no activity for 3 years) | $5 | per month | None |
| Account Balancing Assistance Fee - per hour | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research Fee - per hour | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Statement Fee - per month | $10 | per month | None |
Overdraft & NSF | |||
| Overdraft Fee - per item | $27 | per item | None |
| Return Item Fee - per attempt | $27 | Not stated | None |
ATM & Card | |||
| ATM Transaction Fee (Foreign ATM) (outside of Allpoint network) | $2 | Not stated | None |
| Reissue Damaged ATM/Debit Card (same #) | $15 | Not stated | None |
| Reissue Lost ATM/Debit Card (new #) | $30 | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fee - Outgoing | $25 | Not stated | None |
| Wire Transfer Fee - Incoming | No charge | Not stated | None |
Check Services | |||
| Bank Money Order | $5 | Not stated | None |
| Personal Money Order (up to $1,000) | $2 | Not stated | None |
| Stop Payment Fee | $27 | Not stated | None |
| Temporary Check Printing - per item (minimum: increments of four) | $0.50 | per item | None |
| Non-customer Foreign Check Cashing | 1%($5 minimum) | Not stated | None |
Cash & Deposit | |||
| Commercial Account Returned Deposit Item Fee | $5 | Not stated | None |
Account Services | |||
| 10 X 10 Safe Deposit Box - per year | $60 | per year | None |
| 3 X 10 Safe Deposit Box - per year | $35 | per year | None |
| 5 X 10 Safe Deposit Box - per year | $40 | per year | None |
| 5 X 5 Safe Deposit Box - per year | $30 | per year | None |
| 8 X 10 Safe Deposit Box - per year | $60 | per year | None |
| Safe Deposit Box Break Open Fee | $200 | Not stated | None |
| Safe Deposit Box Key Replacement | $20Not compared: Box drilling or key fee | Not stated | None |
| Garnishment Fee | $15 | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card Fee | $5 | Not stated | None |
Other Fees | |||
| Email Statement Reprint - per statement | $5 | Not stated | None |
| Incoming Fax - unlimited pages | $2 | Not stated | None |
| Outgoing Fax - first five pages | $3 | Not stated | None |
| Outgoing Fax - per page after fifth page | $0.50 | per item | None |
| Photocopies - per page | $0.10 | per item | None |
Oct 16, 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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