Farmers & Merchants Bank

Headquarters: Timberville, Virginia
Charter: Bank
Assets: $1.4B
Fed district: Richmond

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

Source: its fee schedule, read Oct 31, 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 $9.95, the middle of its prices
Farmers & Merchants Bank: $0 to $14.95
Farmers & Merchants Bank: $0 to $14.95
U.S. median: no median
Stop Payment
Farmers & Merchants Bank: $35
Farmers & Merchants Bank: $35
U.S. median: no median
Wire Transfer (Int'l Out)
Farmers & Merchants Bank: $50
Farmers & Merchants Bank: $50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

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

Account Maintenance

Monthly fee$14.95
per month
Monthly Service Charge - Basic Checking - PersonalNo charge
per month
Monthly Service Charge - F&M Cash Back Checking (audience not stated, treated as personal)$9.95
per month
Close Account (Open Less Than 6 Months)$25
Dormant Account (Per Month Charge After Two Years)$5
per month
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Statements$2
per month
Paper Statement Fee$2

ATM & Card

Replacement Debit Card First fee waived annually for fraud, lost, or stolen cards$10
Not compared: Annual charge, not per item
per year

Wire Transfers

Foreign Wire Transfer Fee (Customers Only): Transfer Out$50

Check Services

Cashier's Checks (Customers Only)$10
Stop Payments (Per Item)$35
per item
Check Cashing (Non-Customers)$7
Direct Collection Fee: Domestic$35
Direct Collection Fee: Foreign$50

Cash & Deposit

Count Loose Coin (Customers) (audience not stated, treated as personal)5%
Count Loose Coin (Non-Customers) (audience not stated, treated as personal)10%
Returned Deposits & Chargebacks (Per Presentment)$7
per item

Account Services

Notary Fee (Non-Customers)$5
Safe Deposit Box 10x10$75
per year
Safe Deposit Box 3x10$45
per year
Safe Deposit Box 3x5$30
per year
Safe Deposit Box 5x10$55
per year
Safe Deposit Box 5x5$35
per year
Safe Deposit Box Drilling$175
Not compared: Box drilling or key fee
Safe Deposit Box Rekeyed (with two keys)$25
Not compared: Box drilling or key fee
Tax Lien/Garnishment$125

Other Fees

Fax Machine: Receiving (Per Page)$1
per item
Photocopies (Per Page)$0.25
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$14.95	per month	None
Monthly Service Charge - Basic Checking - Personal	No charge	per month	None
Monthly Service Charge - F&M Cash Back Checking (audience not stated, treated as personal)	$9.95	per month	None
Close Account (Open Less Than 6 Months)	$25	Not stated	None
Dormant Account (Per Month Charge After Two Years)	$5	per month	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Statements	$2	per month	None
Paper Statement Fee	$2	Not stated	None
ATM & Card
Replacement Debit Card First fee waived annually for fraud, lost, or stolen cards	$10Not compared: Annual charge, not per item	per year	None
Wire Transfers
Foreign Wire Transfer Fee (Customers Only): Transfer Out	$50	Not stated	None
Check Services
Cashier's Checks (Customers Only)	$10	Not stated	None
Stop Payments (Per Item)	$35	per item	None
Check Cashing (Non-Customers)	$7	Not stated	None
Direct Collection Fee: Domestic	$35	Not stated	None
Direct Collection Fee: Foreign	$50	Not stated	None
Cash & Deposit
Count Loose Coin (Customers) (audience not stated, treated as personal)	5%	Not stated	None
Count Loose Coin (Non-Customers) (audience not stated, treated as personal)	10%	Not stated	None
Returned Deposits & Chargebacks (Per Presentment)	$7	per item	None
Account Services
Notary Fee (Non-Customers)	$5	Not stated	None
Safe Deposit Box 10x10	$75	per year	None
Safe Deposit Box 3x10	$45	per year	None
Safe Deposit Box 3x5	$30	per year	None
Safe Deposit Box 5x10	$55	per year	None
Safe Deposit Box 5x5	$35	per year	None
Safe Deposit Box Drilling	$175Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Rekeyed (with two keys)	$25Not compared: Box drilling or key fee	Not stated	None
Tax Lien/Garnishment	$125	Not stated	None
Other Fees
Fax Machine: Receiving (Per Page)	$1	per item	None
Photocopies (Per Page)	$0.25Not compared: Charged per page; comparison unavailable	per page	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 31, 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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