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eBanking Its THAT Easy

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Merchant Research

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Fee Schedules

CHARGES FOR PRODUCTS AND SERVICES EFFECTIVE JANUARY 1, 2014*

Checking Accounts

Express Checking

  • Fee: None

VIP Interest Checking

Fee can be avoided with Direct Deposit or if a minimum daily balance of $500 or more is maintained.

  • Fee: $8 per statement cycle

Choice Interest Checking

Fee can be avoided if a minimum daily balance of $5,000 or more is maintained.

  • Fee: $15 per statement cycle

Savings and Investment Accounts

Regular Savings

Fee can be avoided if a minimum daily balance of $500 is maintained. There is no service fee for customers age 50 and above.

  • Fee: $12 per quarter
  • Fee: $2 for each withdrawal over 3 per quarter

Youth Savings

  • Fee: $2 for each withdrawal over 3 per quarter

Easy Save Account

  • Fee: $10 for each withdrawal over 3 per quarter

Certificates of Deposit

  • Fee: Penalty for early withdrawal equals 180 days interest on the outstanding principal balance. On CDs 6-12 months, penalty equals 90 days interest on the outstanding balance.  On 3 month CDs, penalty equals 30 days interest on the outstanding balance. 

Choice Money Market Accounts

Fee can be avoided if a minimum daily balance of $2,500 or more is maintained.

  • Fee: $12 per statement cycle
  • Fee: $15 will be assessed for each withdrawal over 6 per statement cycle

IRA Plus

  • Fee: None

Miscellaneous

ATM Transactions

  • Fee: None with use of F&M  ATMs
  • Fee:   $1.50 for each withdrawal when using foreign ATMs
  • Fee:   $2.75 for each ATM withdrawal made outside the U.S.

Non-Sufficient Fund Items (NSF)

  • Fee: $37 per item ($185.00 maximum charge per day)

Overdraft

  • Fee: $37 per item ($185.00 maximum charge per day)

Continued Overdraft Fee

  • Fee: $7 per business day account balance is negative

Overdraft Privilege

  • Fee:  $37 per item paid or unpaid ($185.00 maximum charge per day)
  • Fee:  $7 per business day account balance is negative

Overdraft Protection

  • Fee:  $7 per transfer

Stop Payment/Stop Payment Renewal

  • Fee: $35 per item

Returned Deposited Item

  • Fee: $6 per item

Re-run Returned Deposited Item

  • Fee: $3 per item

Wire/Cable Transfers

  • Fee: $20 for domestic (outgoing)
  • Fee: $50 for international (outgoing)

Account Balancing Assistance

  • Fee: $20 per hour

Account Activity Printouts (Statements/Checks/Deposits)

  • Fee: $5 per complete statement
  • Fee: $1 per interim statement
  • Fee: $1 per item copied

Dormant Account Fees

  • Fee: $5 per month -   Checking account (no account activity for 12 months)
  • Fee: $5 per quarter -  Savings Account (no account activity for 12 months)
  • Fee: $5 per month -   Money Market Account (no account activity for 24 months) 

Early Account Closing

  • Fee: $25 for account closed within 90 days of opening

Garnishments/Tax Levys

  • Fee: $50

Check Collection

  • Fee: $25

Travelers Checks

  • Fee: 1.5% of purchase amount or 2% for dual signature checks

Cashiers Checks (Customers Only)

  • Fee: $7.50

Money Orders

  • Fee: $5.00

Visa Gift Card

  • Fee: $5

Visa Travel Money

  • Fee: $9.95

Visa Reloadable Debit Card

  • Fee: $9.95

Gift Check

  • Fee: $1.25

Night Deposit Bag

  • Fee: $20 (first bag free)

ATM/Checkcard Replacement

  • Fee: $15

Safe Deposit Box Fees

  • Fee:  $150  Drill Safe Deposit Box
  • Fee:  $50  Replace Deposit Box Key
  • Fee:  $20  Safe Deposit Box Key Deposit
  • Annual Fees: $25 / $35 / $45 / $55
  • $5 Discount for Annual Payment by ACH. Contact an F&M Customer Service Representative for Box Sizes and Rental Fees

Photocopies

  • Fee: $1.00 per copy

 *All fees and minimum balances subject to change.