Farmers and Merchants Bank

Headquarters: Sylvania, Georgia
Charter: Bank
Assets: $170.7M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 15, 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 and Merchants Bank: $30
Farmers and Merchants Bank: $30
U.S. median: no median
NSF / Returned Item
Farmers and Merchants Bank: $30
Farmers and Merchants Bank: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Farmers and Merchants Bank: $25
Farmers and Merchants Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 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 and Merchants Bank’s own schedules, with a source for each figure.

Account Maintenance

Account Closing Fee (audience not stated, treated as personal)$5
one time · Savings account closed within 90 days of open
Closing Account Fee <br>Savings account closed within 90 days of open$5
Account Balancing Assistance$10
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Excess Withdrawal Fee Savings Accounts <br>Any debit item over 3 per quarterly statement$3
Not compared: Quarterly charge, not per item
per quarter

Overdraft & NSF

\ Nonsufficient Funds Paid Item Fee$30
\ Nonsufficient Funds Returned Item Fee$30

ATM & Card

Replace Debit Card$15

Wire Transfers

Wire Transfer - Outgoing (audience not stated, treated as personal)$25
per item · Outgoing wire

Check Services

Cashier's Check$5
Money Order$2
Stop Payment$30
per item · All items
Stop Payment-All Items$30

Account Services

Garnishments$25
Levies$25

Other Fees

Copy of Statement$5

Fee	Amount	Basis	Note
Account Maintenance
Account Closing Fee (audience not stated, treated as personal)	$5	one time	Savings account closed within 90 days of open
Closing Account Fee <br>Savings account closed within 90 days of open	$5	Not stated	None
Account Balancing Assistance	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Excess Withdrawal Fee Savings Accounts <br>Any debit item over 3 per quarterly statement	$3Not compared: Quarterly charge, not per item	per quarter	None
Overdraft & NSF
\ Nonsufficient Funds Paid Item Fee	$30	Not stated	None
\ Nonsufficient Funds Returned Item Fee	$30	Not stated	None
ATM & Card
Replace Debit Card	$15	Not stated	None
Wire Transfers
Wire Transfer - Outgoing (audience not stated, treated as personal)	$25	per item	Outgoing wire
Check Services
Cashier's Check	$5	Not stated	None
Money Order	$2	Not stated	None
Stop Payment	$30	per item	All items
Stop Payment-All Items	$30	Not stated	None
Account Services
Garnishments	$25	Not stated	None
Levies	$25	Not stated	None
Other Fees
Copy of Statement	$5	Not stated	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

Oct 15, 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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