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Charges & Fees for Bank Services

Effective Date: 04/03/2020
The following fees may be assessed.

Fee CategoryFee NameFee AmountImportant Information

Teller Services

Cashier's Checks $5.00 each Free with aggregated YTD average balance of $2,000.00 or more. One check per day free to customers with Your Choice Checking Premium account.
Checks (Temporary) 8 at no charge upon customer reordering at time of request If checks are not ordered, the customer will be charged $0.50 for each counter document.
Stop Payment Fee $30.00 This fee is per stop payment order.
Transfer Fee (Telephone Request) $5.00 per customer transfer request No charge for Telephone Banking and MoneyPass Debit Card transfers.
Copy Fees Instant Statement Fee $5.00 per account printout Appears as "Instant Statement Fee" on statement.
Notary Fee Free to customers. Not available to non-customers.
Fax Service Toll free numbers are free.
Non-toll-free numbers are $5.00.
FMB will fax documents for customers at no charge to toll free numbers, there is a charge with non-toll numbers for both customers and non-customers. No additional fee for multiple pages.
Photo Copies 3 pages per day for free for FMB Customers. Additional pages for customers $.50. (Non-customers $.50 per page.)
Statement Special Handling Fee $5.00 This fee is per month for duplicate paper statements
ATM / Debit Card Services ATM Foreign Withdrawal $2.25 fee per withdrawal Fee for withdrawal done at non-FMB ATM. Appears as "ATM FEE FOR FOREIGN" on statement.
Cross Border Fee .8% charged on all single currency international transactions Fees post as separate transactions, with the same location information as the original transaction.
Currency Convert Fee .2% charged on international transactions where VISA or PLUS performs a currency conversion function Fees post as separate transactions, with the same location information as the original transaction.
Replacement ATM/Debit Card $10.00 This fee is per replacement card.
Other Account Charges Deposit Verification Fee $5.00  
Dormant Charge $8.00 per month after 9 months of inactivity Waived if aggregate balance of linked FMB accounts is greater than $5,000.00. Does not apply to Minor Savings Accounts. Customers can call to reactivate accounts.
Early Account Closing Fee $15.00 If checking or savings account is closed by the customer within the first 90 days of opening date.
Excessive Withdrawal Fee $10.00 Service charge applied when a MMDA or Savings exceeds 6 of the restricted withdrawal types.
Paper Statement Fee $2.00 per month Fee is charged on accounts receiving paper statements unless otherwise noted.
Returned Deposit Item Fee $15.00 Per deposited check returned.
Safe Deposit Box Late Payment Fee $5.00 Automatic late charge when rent is 30 days past due.
Uncollected Funds Fee $30.00 paid or returned uncollected fee Per transaction presented for payment while account has hold against funds.
Wire Transfer

$17.00 Domestic incoming wire $25.00 Domestic outgoing wire
$60.00 International wire

Wire transfers are not available for non-customers.

Overdraft and NSF (Non-Sufficient Funds) Fees for DDA & Savings Accounts

  • The categories of transactions for which an overdraft fee may be imposed are: overdrafts created by online banking, phone transfer, check, in-person withdrawal, ATM withdrawal, or other electronic means as applicable such as ACH and recurring debit card transactions. These categories are also included in the insufficient funds items which may be paid or returned and are as follows:
NSF Returned Item Fee $30.00 returned item fee for each insufficient funds item returned and not paid.
NSF Paid Item Fee $30.00 for each insufficient item paid creating an overdraft balance.
Overdraft Fee Daily charges of $6.00 beginning on the 4th business day an account is overdrawn. This fee is waived on days when the negative account balance is $10.00 or less.
  • The additional categories for which a fee may be imposed for ATM withdrawals and everyday Debit Card transactions applies only to those customers who have signed an "Opt-In" form to the availability to overdraw with these types of transactions and are as follows:
NSF Paid Item Fee $30.00 for each insufficient item paid creating an overdraft balance.
Overdraft Fee

Daily charges of $6.00 beginning on the 4th business day an account is overdrawn. This fee is waived on days when the negative account balance is $10.00 or less.

All Other Fees

  • Bill Pay Services through online banking - There is no charge for our regular iPay bill pay service.

Bill Pay Optional Transaction Fees – charged per transaction

SPIN (Person to Person Transfer) - $ .50
Overnight Delivery Fee - $19.95
2nd Day Delivery Fee - $14.95
Gift Check Fee- $2.99
Charitable Donation Fee - $1.99

  • Christmas Money Envelopes - $.25 each
  • Collection items received - $25.00
  • Collection items sent - $25.00
  • Deposit Bags - (Regular Zipper Bags) $5.00.
  • Forced Entry to Safe Deposit Box Fee - $198.00 per occurrence. This also applies to lost keys.
  • Garnishment Fee - $20.00 charged to the garnished account.
  • Levies Fees - $20.00 charged to the account from which it was levied.
  • Lockbox Service - Monthly Maintenance Fee $90.00.
  • Reconciliation Fees - $30.00 per hour with a minimum charge of $15.00
  • Research Fees - $30.00 per hour, minimum charge of $15.00.
  • Subpoena/Production of Documents - $350.00 retainer up front with unused portion refunded to the requestor . $25.00 per hour
    $10.00 minimum, $2.00 per item charge for items reproduced from archival and $.25 per item for reproduction of items not yet archived.


Non-Customer Fees

  • ATM Fee - $3.50
  • Coin Machine – 12%
  • Non-customer Fax Charge - $10.00. No additional fee for multiple pages.