Farmers Bank & Trust Company Fees: Overdraft $32, NSF $32 (2026)

Overdraft & NSFVerified

Non-Sufficient Overdraft Item$32Within the typical range ($25–$32 nationally)
$3 above the national median
per item · Source
Non-Sufficient Return Item$32Within the typical range ($25–$32 nationally)
$3 above the national median
per item · Knox deterministic extraction from Rosetta artifact #1091. canonical_hint=nsf; text_hash=88f391576087668b1497deb62651d694660e55b30c0ac1afbd3acf982fab9992; excerpt="Non-Sufficient Return Item / $32.00 per item" · Source

ATM & CardVerified

ATM or Debit Card$1Within the typical range ($1–$3 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #1091. canonical_hint=atm_non_network; text_hash=88f391576087668b1497deb62651d694660e55b30c0ac1afbd3acf982fab9992; excerpt="Transfer or Inquiry with ATM or Debit Card / $1.00" · Source
Withdrawal with ATM or Debit Card$2Within the typical range ($1–$3 nationally)
$0.50 above the national median
Knox deterministic extraction from Rosetta artifact #1091. canonical_hint=atm_non_network; text_hash=88f391576087668b1497deb62651d694660e55b30c0ac1afbd3acf982fab9992; excerpt="Withdrawal with ATM or Debit Card / $2.00" · Source

Check ServicesVerified

Cashier's Checks$5Within the typical range ($3–$6 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #1091. canonical_hint=cashiers_check; text_hash=88f391576087668b1497deb62651d694660e55b30c0ac1afbd3acf982fab9992; excerpt="Cashier's Checks / $5.00 per check" · Source
Check Image Printing$1Below the typical range ($2–$5 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #1091. canonical_hint=check_image; text_hash=88f391576087668b1497deb62651d694660e55b30c0ac1afbd3acf982fab9992; excerpt="Check Image Printing / $1.00 per page" · Source
Stop Payment Orders$32Above the typical range ($20–$30 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #1091. canonical_hint=stop_payment; text_hash=88f391576087668b1497deb62651d694660e55b30c0ac1afbd3acf982fab9992; excerpt="Stop Payment Orders / $32.00 per order" · Source
Temporary Check Printing (first page free)$1Within the typical range ($1–$4 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #1091. canonical_hint=counter_check; text_hash=88f391576087668b1497deb62651d694660e55b30c0ac1afbd3acf982fab9992; excerpt="Temporary Check Printing (first page free) / $1.00 per page" · Source

Cash & DepositVerified

Returned Deposited Item- Special Handling$8Below the typical range ($9.50–$25 nationally)
$7 below the national median
per item · Knox deterministic extraction from Rosetta artifact #1091. canonical_hint=deposited_item_return; text_hash=88f391576087668b1497deb62651d694660e55b30c0ac1afbd3acf982fab9992; excerpt="Returned Deposited Item- Special Handling / $8.00 per item" · Source
Returned Deposited Items - Business$5Below the typical range ($9.50–$25 nationally)
$10 below the national median
per item · Knox deterministic extraction from Rosetta artifact #1091. canonical_hint=deposited_item_return; text_hash=88f391576087668b1497deb62651d694660e55b30c0ac1afbd3acf982fab9992; excerpt="Returned Deposited Items - Business / $5.00 per item" · Source
Zipper Bags$3Below the typical range ($5–$20 nationally)
$10.75 below the national median
Knox deterministic extraction from Rosetta artifact #1091. canonical_hint=night_deposit; text_hash=88f391576087668b1497deb62651d694660e55b30c0ac1afbd3acf982fab9992; excerpt="Zipper Bags / $3.00" · Source

Account ServicesVerified

Garnishments$125Above the typical range ($25–$75 nationally)
$75 above the national median
Knox deterministic extraction from Rosetta artifact #1091. canonical_hint=garnishment_levy; text_hash=88f391576087668b1497deb62651d694660e55b30c0ac1afbd3acf982fab9992; excerpt="Garnishments / $125.00" · Source
Levies$75Within the typical range ($25–$75 nationally)
$25 above the national median
Knox deterministic extraction from Rosetta artifact #1091. canonical_hint=garnishment_levy; text_hash=88f391576087668b1497deb62651d694660e55b30c0ac1afbd3acf982fab9992; excerpt="Levies / $75.00" · Source
Notary Service$0Within the typical range ($0–$5 nationally)
$2.50 below the national median
Knox read a free fee from Rosetta artifact #1091. canonical_hint=notary_fee; text_hash=88f391576087668b1497deb62651d694660e55b30c0ac1afbd3acf982fab9992; excerpt="Notary Service / No Charge" · Source
Replacement Key$7Below the typical range ($25–$80 nationally)
$33 below the national median
Knox deterministic extraction from Rosetta artifact #1091. canonical_hint=safe_deposit_box; text_hash=88f391576087668b1497deb62651d694660e55b30c0ac1afbd3acf982fab9992; excerpt="Replacement Key / $7.00" · Source
Safe Deposit Box - Key Replacement$10Below the typical range ($25–$80 nationally)
$30 below the national median
Knox deterministic extraction from Rosetta artifact #1091. canonical_hint=safe_deposit_box; text_hash=88f391576087668b1497deb62651d694660e55b30c0ac1afbd3acf982fab9992; excerpt="Safe Deposit Box - Key Replacement / $10.00" · Source

Other FeesVerified

Statement Reprint$3Within the typical range ($2–$5 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1091. canonical_hint=document_reproduction; text_hash=88f391576087668b1497deb62651d694660e55b30c0ac1afbd3acf982fab9992; excerpt="Statement Reprint / $3.00 per statement" · Source
Statement Reprint with Check Images$8Above the typical range ($2–$5 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #1091. canonical_hint=document_reproduction; text_hash=88f391576087668b1497deb62651d694660e55b30c0ac1afbd3acf982fab9992; excerpt="Statement Reprint with Check Images / $8.00 per statement" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Balancing Assistance	$20Within the typical range ($15–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #1091. canonical_hint=account_research; text_hash=88f391576087668b1497deb62651d694660e55b30c0ac1afbd3acf982fab9992; excerpt="Account Balancing Assistance / $20.00 per hour"	Source
Account Closure Fee (within 60 days of opening)	$30Above the typical range ($10–$25 nationally)	$15 above the national median	—	Knox deterministic extraction from Rosetta artifact #1091. canonical_hint=early_closure; text_hash=88f391576087668b1497deb62651d694660e55b30c0ac1afbd3acf982fab9992; excerpt="Account Closure Fee (within 60 days of opening) / $30.00"	Source
Account Research	$25Within the typical range ($15–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #1091. canonical_hint=account_research; text_hash=88f391576087668b1497deb62651d694660e55b30c0ac1afbd3acf982fab9992; excerpt="Account Research / $25.00 per hour + $2.00 per copy"	Source
Overdraft & NSFVerified
Non-Sufficient Overdraft Item	$32Within the typical range ($25–$32 nationally)	$3 above the national median	per item	—	Source
Non-Sufficient Return Item	$32
ATM & CardVerified
ATM or Debit Card	$1Within the typical range ($1–$3 nationally)	$0.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #1091. canonical_hint=atm_non_network; text_hash=88f391576087668b1497deb62651d694660e55b30c0ac1afbd3acf982fab9992; excerpt="Transfer or Inquiry with ATM or Debit Card / $1.00"	Source
Withdrawal with ATM or Debit Card
Check ServicesVerified
Cashier's Checks	$5Within the typical range ($3–$6 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #1091. canonical_hint=cashiers_check; text_hash=88f391576087668b1497deb62651d694660e55b30c0ac1afbd3acf982fab9992; excerpt="Cashier's Checks / $5.00 per check"	Source
Check Image Printing	$1
Cash & DepositVerified
Returned Deposited Item- Special Handling	$8Below the typical range ($9.50–$25 nationally)	$7 below the national median	per item	Knox deterministic extraction from Rosetta artifact #1091. canonical_hint=deposited_item_return; text_hash=88f391576087668b1497deb62651d694660e55b30c0ac1afbd3acf982fab9992; excerpt="Returned Deposited Item- Special Handling / $8.00 per item"	Source
Returned Deposited Items - Business
Account ServicesVerified
Garnishments	$125Above the typical range ($25–$75 nationally)	$75 above the national median	—	Knox deterministic extraction from Rosetta artifact #1091. canonical_hint=garnishment_levy; text_hash=88f391576087668b1497deb62651d694660e55b30c0ac1afbd3acf982fab9992; excerpt="Garnishments / $125.00"	Source
Levies	$75
Other FeesVerified
Statement Reprint	$3Within the typical range ($2–$5 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #1091. canonical_hint=document_reproduction; text_hash=88f391576087668b1497deb62651d694660e55b30c0ac1afbd3acf982fab9992; excerpt="Statement Reprint / $3.00 per statement"	Source
Statement Reprint with Check Images	$8

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$3.2B

Total deposits

$2.7B

Service charge income

$2.4M

Fee income ratio

6.5%

Return on assets

1.46%

Branches

Service charge income by quarter

Q2 2026$2.4M

Q1 2026$2.2M

Q4 2025$2.3M

Q3 2025$2.3M

Farmers Bank & Trust Company

Published fees

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How the headline fees compare

Size and fee revenue

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings