Personal Banking Fee Schedule

Fee Schedules

CHARGES FOR PRODUCTS AND SERVICES EFFECTIVE JUNE 19, 2017.

Personal Checking Accounts

 Fee

Express Checking

None

VIP Interest Checking

$8 per statement cycle

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

Choice Interest Checking

$15 per statement cycle

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

Savings and Investment Accounts

 Fee
Regular Savings

$12 per quarter

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

$2 for each withdrawal/transfer over 3 per quarter

Youth Savings $2 for each withdrawal/transfer over 3 per quarter
Easy Save Account $10 for each withdrawal/transfer over 3 per quarter
Certificates of Deposit

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

$12 per statement cycle

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

$15 will be assessed for each withdrawal/transfer over 6 per statement cycle

 

Health Savings Account $25 Setup Fee

Business Checking Account Services

 Fee

ACH

Same Day ACH Credit File - 5.2 cents per credit entry

Unauthorized ACH Return - $4.50 per return

Remote Deposit Capture

$100 annual scanner fee

$30 monthly service fee

Money Service Business/Cash Management

$300
(minimum)

Miscellaneous

 Fee

ATM Transactions

(Balance Inquiry, Withdrawal, Transfer* and Declined Transaction)

None with use of F&M ATMs

$1.50 (F&M VISA Debit or ATM Card at Domestic or Foreign ATMs)

$2.50 (F&M VISA Travel Card at Domestic or Foreign ATMs)

*Transfer does not apply to F&M VISA Travel Cards

 Non-Sufficient Fund Items (NSF)  $37 per item, paid or unpaid ($185.00 maximum charge per day)
 Overdraft $37 per item ($185.00 maximum charge per day) 
 Continued Overdraft Fee

$7 per business day account balance is negative 

(Charge stops after 35 consecutive days overdrawn)

 Overdraft Privilege

$37 per item paid or unpaid ($185.00 maximum charge per day) 

$7 per business day account balance is negative

(Charge stops after 35 consecutive days overdrawn)

 Overdraft Protection $7 per transfer 
 Stop Payment/Stop Payment Renewal $35 per item 
 Returned Deposited Item $6 per item 
 Re-run Returned Deposited Item $3 per item 
Wire Transfers

$20 for domestic (outgoing)

$50 for international (outgoing)

Account Balancing Assistance $20 per hour
Account Activity Re-prints (Statements/Checks/Deposits)

$5 per complete statement

$1 per interim statement

$1 per item copied

Online & Mobile Banking with Bill Pay

Online Banking - Rush Payment

$19.95 - Check payment next business day

$14.95 - Check payment second business day

$4.95 - ACH payment second business day

Mobile Deposit - $.50 per deposit

Dormant Account Fees

$5 per month - Checking account (no account activity for 12 months)

$5 per quarter - Savings Account (no account activity for 12 months)

$5 per month - Money Market Account (no account activity for 24 months)

Early Account Closing $25 for account closed within 90 days of opening
Garnishments/Tax Levys $50 per occurrence
Check Collection $25 per item
Cashiers Checks (Customers Only) $7.50
Money Orders $5.00
MyChoice Photo Debit Card $9.95 per card
Visa Gift Card $5.00
Visa Travel Money $9.95
($6.00 F&M Service Fee and $3.95 Harland Clarke Fee)
Night Deposit Bag with Lock & Key $20 per bag
ATM/Checkcard Replacement

$15

$60 - Rush Order (3-4 business days from order date)

Safe Deposit Box Fees

$150 Drill Safe Deposit Box

$50 Replace Deposit Box Key

Annual Fees: $23 / $25 / $35 / $45 / $55 / $65

Contact an F&M Customer Service Representative for Box Sizes and Rental Fees

Photocopies

$1.00 per copy

Check-by-Phone

$15.00 per payment

*All fees and minimum balances subject to change.