Schedule of Fees and Charges

Open an Account

Understanding Your Account Fees

Keeping You Informed About Your Account Charges

We believe in transparency, and this schedule of fees and charges is designed to help you understand how certain actions, such as overdrafts, foreign transactions, or special requests, may incur a fee. If you have any questions or need clarification on a specific charge, please do not hesitate to contact a bank representative.

The following charges may be assessed against your account:

  • $1.00 Excess Withdrawal Fee – $1.00 per item if over 9 per quarter/Savings Account
  • $25.00 Return Check Charge \ For each returned item created by check, in-person withdrawal or by other electronic means/Per Item Per Presentment
  • $20.00 Overdraft Charge \ For each Overdraft created by check, in-person withdrawal or by other electronic means
  • $5.00 ACH Unauthorized Return/Per Item
  • $2.00 Return Deposited Item Charge/Per Item
  • $15.00 Stop Payment/Per Request
  • $1.00/4 Counter Check Printing
  • $5.00 Replacement Statement/Per Statement
  • $20.00 Research Services/Statement Balancing/Per Hour
  • $5.00 Money Order/Cashier’s Check
  • $20.00 Collections/Per Item
  • $10.00 Monthly Dormant Account Fee/No activity for 1 year, and Undeliverable Mail on an Inactive Account
  • $25.00 Indemnity Bond/Per Bond
  • $25.00 Garnishments/Per Garnishment
  • $25.00 Business Remote Deposit Capture (RDC)/Month
  • $14.95 Expedited Bill Pay
  • $1.00 ATM Withdrawal Fee/Non-Local ATM
  • $5.00 Debit Card Replacement/Per Request
  • $15.00 Night Deposit Bag with Lock/Per Bag
  • $3.00 Zipper Bag/Each
  • $10.00 Safe Deposit Box / Night Drop Key Replacement
  • $30.00 Foreign Currency Order/Per Order
  • $20.00 Wire Transfer-Customer Outgoing / Per Transfer
  • $40.00 Wire Transfer-International / Converted / Per Transfer
  • $67.50 Wire Transfer-International / US Dollars / Per Transfer
  • $2.00 Fax/Per Page
  • $.25 Photocopies/Per Copy
  • $15.00 Notary/Per notary (Colorado locations)
  • $20.00 Monthly fee; $50.00 Per Account Set Up Fee/Check Positive Pay
  • $100.00 Safe Deposit Box Drilling/Per Box
  • $14.00 Safe Deposit Box 3”x5”x22”/Year
  • $19.00 Safe Deposit Box 4”x5”x22”/Year
  • $21.00 Safe Deposit Box 5”x5”x22”/Year
  • $25.00 Safe Deposit Box 3”x10”x22”/Year
  • $30.00 Safe Deposit Box 4”x10”x22”/Year
  • $50.00 Safe Deposit Box 10”x10”x22”/Year

Contact Us for Details

This schedule is provided to help you manage your banking relationship with us. Should you have any questions about these fees or your account, please contact your local Farmers & Merchants Bank branch. We are always here to assist you.

Contact us