Farmers and Merchants Trust Company of Chambersburg

Headquarters: Chambersburg, Pennsylvania
Charter: Bank
Assets: $2.3B
Fed district: Philadelphia

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

Source: its fee schedule, read Oct 7, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $12, the middle of its prices
Farmers and Merchants Trust Company of Chambersburg: $3 to $50
Farmers and Merchants Trust Company of Chambersburg: $3 to $50
U.S. median: no median
Overdraft (OD)
Farmers and Merchants Trust Company of Chambersburg: $36
Farmers and Merchants Trust Company of Chambersburg: $36
U.S. median: no median
Non-Network ATM
Compared at $2, the middle of its prices
Farmers and Merchants Trust Company of Chambersburg: $1 to $3.50
Farmers and Merchants Trust Company of Chambersburg: $1 to $3.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 7, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia 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).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia 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 Trust Company of Chambersburg’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$7
per month
Monthly fee$12.95
per month
Monthly fee$3
per month · avoid imposition of fees - A monthly fee of $3.00 will be imposed every statement cycle if the daily ledger balance in the account falls below
Monthly fee$12
per month
Monthly fee$50
per month
Monthly Maintenance$10
per month
Monthly Service Fee - There$6.95
per month
Account closing fee$25
Inactivity Fee - after 12th month (per cycle)$12
per month
Account Reconcilement (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconcilement (per hour)................................. $25.00
Paper Statement In-House Printing Fee$3
Excess Activity (per item)$20
per item
Invalid Address$5

Overdraft & NSF

Overdrafts (per item)$36
per item
Overdraft Protection Transfer Fee$10

ATM & Card

Balance Inquiries at non-F&M Trust ATM$1
Transfers at non-F&M Trust ATM$2
Withdrawals at non-F&M Trust ATM$3.50
Debit Card - Card Replacement$10

Check Services

Official Checks$12
Stop Payment$36
Canadian Check Collection/Processing$50

Cash & Deposit

Night Drop Key$20

Account Services

Drilling$150
Not compared: Box drilling or key fee
Lost Key Replacement$20
Not compared: Box drilling or key fee
Safe Deposit Box Inventory (per hour)$40
Not compared: Hourly charge, not annual
per hour
Levies, Attachments, and Garnishments$200

Other Fees

Photocopies (per page)$1
per item
Returned Loan Payment$36

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$7	per month	None
Monthly fee	$12.95	per month	None
Monthly fee	$3	per month	avoid imposition of fees - A monthly fee of $3.00 will be imposed every statement cycle if the daily ledger balance in the account falls below
Monthly fee	$12	per month	None
Monthly fee	$50	per month	None
Monthly Maintenance	$10	per month	None
Monthly Service Fee - There	$6.95	per month	None
Account closing fee	$25	Not stated	None
Inactivity Fee - after 12th month (per cycle)	$12	per month	None
Account Reconcilement (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Reconcilement (per hour)................................. $25.00
Paper Statement In-House Printing Fee	$3	Not stated	None
Excess Activity (per item)	$20	per item	None
Invalid Address	$5	Not stated	None
Overdraft & NSF
Overdrafts (per item)	$36	per item	None
Overdraft Protection Transfer Fee	$10	Not stated	None
ATM & Card
Balance Inquiries at non-F&M Trust ATM	$1	Not stated	None
Transfers at non-F&M Trust ATM	$2	Not stated	None
Withdrawals at non-F&M Trust ATM	$3.50	Not stated	None
Debit Card - Card Replacement	$10	Not stated	None
Check Services
Official Checks	$12	Not stated	None
Stop Payment	$36	Not stated	None
Canadian Check Collection/Processing	$50	Not stated	None
Cash & Deposit
Night Drop Key	$20	Not stated	None
Account Services
Drilling	$150Not compared: Box drilling or key fee	Not stated	None
Lost Key Replacement	$20Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Inventory (per hour)	$40Not compared: Hourly charge, not annual	per hour	None
Levies, Attachments, and Garnishments	$200	Not stated	None
Other Fees
Photocopies (per page)	$1	per item	None
Returned Loan Payment	$36	Not stated	None

Correct a fee source

Oct 7, 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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