Personal Banking Fee Schedule

Fee Schedules

CHARGES FOR PRODUCTS AND SERVICES EFFECTIVE NOVEMBER 1, 2015*

Personal Checking Accounts

 Fee

Express Checking

None

VIP Interest Checking

$8 per statement cycle

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

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

$2 for each withdrawal over 3 per quarter

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

Youth Savings $2 for each withdrawal over 3 per quarter
Easy Save Account $10 for each withdrawal 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

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

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

IRA Plus None

Business Checking Account Services

 Fee

Electronic Business Records

$20 per request

(Statements - 12 months and Tax Documents)

Remote Deposit Capture

$100 annual scanner fee

$30 monthly service fee

Money Service Business/Cash Management

$300

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

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
Night Deposit Bag $20 (first bag free)
ATM/Checkcard Replacement $15
Safe Deposit Box Fees

$150 Drill Safe Deposit Box

$50 Replace Deposit Box Key

$20 Safe Deposit Box Key Deposit

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

$5 Discount for Annual Payment by ACH. 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.