Farmers & Merchants Bank & Trust

Headquarters: Burlington, Iowa
Charter: Bank
Assets: $208.2M
Fed district: Chicago

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

Source: its fee schedule, read Oct 23, 2026.

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Fees against the market

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

Monthly Maintenance
Farmers & Merchants Bank & Trust: $5
Farmers & Merchants Bank & Trust: $5
U.S. median: no median
Overdraft (OD)
Farmers & Merchants Bank & Trust: $33
Farmers & Merchants Bank & Trust: $33
U.S. median: no median
NSF / Returned Item
Farmers & Merchants Bank & Trust: $33
Farmers & Merchants Bank & Trust: $33
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 23, 2026View sources

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

Account Maintenance

Service Charge$5
per month
Account Closing Fee (If closed within 90 days of opening)$25
Not compared: Daily charge, not per item
per day
Dormant Account Fee$5
per month
Escheat Fee$40
Inactivity Fee (per month if not used for 90 days)$5
per month
Account Research or Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail Fee$5

Overdraft & NSF

Overdraft (OD)$33
Return NSF Item Fee$33
Overdraft Transfer Protection Automatic transfer from another$5

ATM & Card

No Debit Card or ATM Card$1
ATM Card Replacement Fee$15
Custom Visa Check Card (Initial/Renewal/Replacement)$20
Standard Visa Check Card Replacement$15
Standard/Custom Visa Check Card Rush Order$65

Wire Transfers

Consumer ACH Fee: Outgoing Domestic Wire Fee$25
Incoming Domestic Wire Fee$10
Outgoing International Wire Fee$60
Incoming International Wire Fee$10

Check Services

Cashier’s Check$5
Stop Payment Charge$30
Zelle Stop Payment User Fee$10
Collection Item$20

Digital & Electronic

Zelle Microbusiness Next Day User Fee$0.75
Zelle Microbusiness Three Day User Fee$0.60

Cash & Deposit

Returned Deposited Checks and Other Returned$5
Returned Deposited Item Special Instructions$5

Account Services

Non-Client Notary Fee$10
per item
Drilling Box$200
Not compared: Box drilling or key fee
Identity Theft (per month): 3x11$26
Not compared: Monthly charge, not annual
per month
Safe Deposit Box 10x10$80
Safe Deposit Box 10x12$96
Safe Deposit Box 2x5$8
Safe Deposit Box 3x5$12
Safe Deposit Box 4x4$13
Safe Deposit Box 5x5$20
Safe Deposit Box 7x10$56
Safe Deposit Box 8x10$64
Safe Deposit Box 8x12$77
Safe Deposit Box Late Fee Per Month$5
Not compared: Monthly charge, not annual
per month
Safe Deposit Box Lost Key Fee$10
Not compared: Box drilling or key fee
Levy or Garnishment$75

Retirement & IRA

IRA Transfer Fee (to another institution)$30

Other Fees

Fax Service: Outgoing$3
Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Service Charge	$5	per month	None
Account Closing Fee (If closed within 90 days of opening)	$25Not compared: Daily charge, not per item	per day	None
Dormant Account Fee	$5	per month	None
Escheat Fee	$40	Not stated	None
Inactivity Fee (per month if not used for 90 days)	$5	per month	None
Account Research or Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail Fee	$5	Not stated	None
Overdraft & NSF
Overdraft (OD)	$33	Not stated	None
Return NSF Item Fee	$33	Not stated	None
Overdraft Transfer Protection Automatic transfer from another	$5	Not stated	None
ATM & Card
No Debit Card or ATM Card	$1	Not stated	None
ATM Card Replacement Fee	$15	Not stated	None
Custom Visa Check Card (Initial/Renewal/Replacement)	$20	Not stated	None
Standard Visa Check Card Replacement	$15	Not stated	None
Standard/Custom Visa Check Card Rush Order	$65	Not stated	None
Wire Transfers
Consumer ACH Fee: Outgoing Domestic Wire Fee	$25	Not stated	None
Incoming Domestic Wire Fee	$10	Not stated	None
Outgoing International Wire Fee	$60	Not stated	None
Incoming International Wire Fee	$10	Not stated	None
Check Services
Cashier’s Check	$5	Not stated	None
Stop Payment Charge	$30	Not stated	None
Zelle Stop Payment User Fee	$10	Not stated	None
Collection Item	$20	Not stated	None
Digital & Electronic
Zelle Microbusiness Next Day User Fee	$0.75	Not stated	None
Zelle Microbusiness Three Day User Fee	$0.60	Not stated	None
Cash & Deposit
Returned Deposited Checks and Other Returned	$5	Not stated	None
Returned Deposited Item Special Instructions	$5	Not stated	None
Account Services
Non-Client Notary Fee	$10	per item	None
Drilling Box	$200Not compared: Box drilling or key fee	Not stated	None
Identity Theft (per month): 3x11	$26Not compared: Monthly charge, not annual	per month	None
Safe Deposit Box 10x10	$80	Not stated	None
Safe Deposit Box 10x12	$96	Not stated	None
Safe Deposit Box 2x5	$8	Not stated	None
Safe Deposit Box 3x5	$12	Not stated	None
Safe Deposit Box 4x4	$13	Not stated	None
Safe Deposit Box 5x5	$20	Not stated	None
Safe Deposit Box 7x10	$56	Not stated	None
Safe Deposit Box 8x10	$64	Not stated	None
Safe Deposit Box 8x12	$77	Not stated	None
Safe Deposit Box Late Fee Per Month	$5Not compared: Monthly charge, not annual	per month	None
Safe Deposit Box Lost Key Fee	$10Not compared: Box drilling or key fee	Not stated	None
Levy or Garnishment	$75	Not stated	None
Retirement & IRA
IRA Transfer Fee (to another institution)	$30	Not stated	None
Other Fees
Fax Service: Outgoing	$3	Not stated	None
Statement Copy	$5	Not stated	None

Correct a fee source

Oct 23, 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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