CHARGES FOR PRODUCTS AND SERVICES EFFECTIVE FEBRUARY 27, 2009*

• Checking Accounts
• Savings and Investment Accounts
• Miscellaneous

Checking Accounts

Express Free Checking

• Fee: None

F&M Checking
Fee can be avoided if a minimum daily balance of $500 or more is maintained.

• Fee: $8 per statement cycle

VIP50 Checking
Fee can be avoided if a minimum daily balance of $100 is maintained.

• Fee: $10 per statement cycle
  

Interest Checking
Fee can be avoided if a minimum daily balance of $1,000 or more is maintained.

• Fee: $12 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 less than 12 months, penalty equals 90 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

Fraud Protection Plus

• Fee: $4 per statement cycle
  

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: $35 per item

Overdraft

• Fee: $35 per item

Daily Overdraft

• Fee: $7 for each consecutive day of an account is overdrawn
  

Overdraft Privilege

• Fee:  $35 per item paid or unpaid
• Fee:  $7 for each consecutive day an account is overdrawn

Overdraft Protection

• Fee:  $7 per transfer
  

Stop Payment/Stop Payment Renewal

• Fee: $35 per item

Returned Deposited Item

• Fee: $6 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

• Fee: $5 per month
  

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; no charge to VIP50 Checking customers
  

Cashiers Checks

• Fee: $7.50

Money Orders

• Fee: $5.00

Visa Gift Card

• Fee: $5
  

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 / $50
• $5 Discount for Annual Payment by ACH. Contact an F&M Customer Service Representative for Box Sizes and Rental Fees

 *All fees and minimum balances subject to change.