The Farmers & Merchants Bank

Headquarters: Stuttgart, Arkansas
Charter: Bank
Assets: $2.0B
Fed district: St. Louis

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

Source: its fee schedule, read Oct 15, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Gold Checking $3 · 360 Checking $8 · Freedom Checking $8
Compared at $8, the middle of its prices
The Farmers & Merchants Bank: $3 to $8
The Farmers & Merchants Bank: $3 to $8
U.S. median: no median
Overdraft (OD)
The Farmers & Merchants Bank: $31
The Farmers & Merchants Bank: $31
U.S. median: no median
Paper Statement
The Farmers & Merchants Bank: $5
The Farmers & Merchants Bank: $5
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 Arkansas, the St. Louis 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).
Arkansas: Banks and credit unions headquartered in Arkansas that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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 The Farmers & Merchants Bank’s own schedules, with a source for each figure.

Account Maintenance

360 Checking Monthly service fee$8
per month · avoided if meet certain criteria.* Full waiver of fee if maintain daily balance of $20,000+
Monthly Maintenance$8
per month
Monthly maintenance fee$3
per month · avoided if maintain daily balance of $5,000+
Quarterly fee (daily balance falls below $100)$5
Not compared: Quarterly charge, not monthly
per quarter
Paper statement fee$5

Overdraft & NSF

Overdraft (OD)$31
Overdraft Fee$31
per item

Fee	Amount	Basis	Note
Account Maintenance
360 Checking Monthly service fee	$8	per month	avoided if meet certain criteria.* Full waiver of fee if maintain daily balance of $20,000+
Monthly Maintenance	$8	per month	None
Monthly maintenance fee	$3	per month	avoided if maintain daily balance of $5,000+
Quarterly fee (daily balance falls below $100)	$5Not compared: Quarterly charge, not monthly	per quarter	None
Paper statement fee	$5	Not stated	None
Overdraft & NSF
Overdraft (OD)	$31	Not stated	None
Overdraft Fee	$31	per item	None

Account Maintenance

Monthly Maintenance$10
per month
Monthly Maintenance$3

Overdraft & NSF

Return item fee$5
per item

ATM & Card

Lost or damaged card fee$10
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$10	per month	None
Monthly Maintenance	$3	Not stated	None
Overdraft & NSF
Return item fee	$5	per item	None
ATM & Card
Lost or damaged card fee	$10	per item	None

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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Fees against the market

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

Monthly Maintenance
Gold Checking $3 · 360 Checking $8 · Freedom Checking $8
Compared at $8, the middle of its prices
The Farmers & Merchants Bank: $3 to $8
The Farmers & Merchants Bank: $3 to $8
U.S. median: no median
Overdraft (OD)
The Farmers & Merchants Bank: $31
The Farmers & Merchants Bank: $31
U.S. median: no median
Paper Statement
The Farmers & Merchants Bank: $5
The Farmers & Merchants Bank: $5
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 Arkansas, the St. Louis 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).
Arkansas: Banks and credit unions headquartered in Arkansas that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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.

Published fee schedule

Amounts from The Farmers & Merchants Bank’s own schedules, with a source for each figure.

Account Maintenance

360 Checking Monthly service fee$8
per month · avoided if meet certain criteria.* Full waiver of fee if maintain daily balance of $20,000+
Monthly Maintenance$8
per month
Monthly maintenance fee$3
per month · avoided if maintain daily balance of $5,000+
Quarterly fee (daily balance falls below $100)$5
Not compared: Quarterly charge, not monthly
per quarter
Paper statement fee$5

Overdraft & NSF

Overdraft (OD)$31
Overdraft Fee$31
per item

Fee	Amount	Basis	Note
Account Maintenance
360 Checking Monthly service fee	$8	per month	avoided if meet certain criteria.* Full waiver of fee if maintain daily balance of $20,000+
Monthly Maintenance	$8	per month	None
Monthly maintenance fee	$3	per month	avoided if maintain daily balance of $5,000+
Quarterly fee (daily balance falls below $100)	$5Not compared: Quarterly charge, not monthly	per quarter	None
Paper statement fee	$5	Not stated	None
Overdraft & NSF
Overdraft (OD)	$31	Not stated	None
Overdraft Fee	$31	per item	None

Account Maintenance

Monthly Maintenance$10
per month
Monthly Maintenance$3

Overdraft & NSF

Return item fee$5
per item

ATM & Card

Lost or damaged card fee$10
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$10	per month	None
Monthly Maintenance	$3	Not stated	None
Overdraft & NSF
Return item fee	$5	per item	None
ATM & Card
Lost or damaged card fee	$10	per item	None

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.