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Charges & Fees that may apply to your account

The bank has a small set of charges & fees that must be leveled in certain circumstances. These fees are required by various regulating entities.

Personal Account Fees & Limitations (Effective 08/19/2017)

ProductFee
Your Choice Checking - Rewards Free with eStatements. Available for personal accounts only. Account requirements per calendar month to obtain premium rate: 1 direct deposit, 15 ATM/Debit Card Transactions, 1 bill pay, & eStatements are required.
Your Choice Checking - Basic Free with eStatements
Your Choice Checking - Premium $10 monthly Service Charge (waived if monthly aggregate balance of all FMB accounts is $5000 or greater)
Your Choice Checking - Senior Age 55 and over. Free with eStatements or Free paper statements with a minimum $250 direct deposit every calendar month. One box FMB checks free per calendar year.
Your Choice Checking - Student Up to age 25 with Student ID. Free with eStatements. Foreign ATM Fees reimbursed up to $10 per month.
WeCare Checking™ $5.00 monthly Service Charge. No checks or overdrafts allowed. Debit Card daily limit reduced to $300.
Money Market Account $10 monthly Service Charge & $.25 fee for each debit. (waived if average daily balance for the month is $2500.00 or greater) No more than 6 third party checks or a total of 6 transfers allowed per REG D.
Premium Money Market $50 monthly Service Charge & $.25 fee for each debit. (waived if average daily balance for the month is $50,000 or greater) No more than 6 third party checks or a total of 6 transfers allowed per REG D.
Savings Account $4.00 monthly Service Charge (waived if average daily balance for the month is $100 or greater). No more than 6 transfers per month allowed per REG D.
Health Savings Account $2.00 monthly Service Charge if you receive eStatements, waived if combined minimum balance of all FMB Accounts is $5000 or more or $5.00 monthly Service Charge if you receive paper statements – $50 External/Transfer Closing Fee

Commercial Checking Account Fees & Limitations

Checking TypeFees and Limitations
Business Analysis Checking $10.00 monthly Service Charge. Earnings credit rate is based on the average ledger balance. The earnings credit rate will be based off of the 91-Day US Treasury Bill. Deposits – $.45, Checks – $.15, Auto Debit – $.15, Deposit Item On Us – $.05, Deposit Items Foreign– $.10, Returned Deposit Item Fee – $15.00. The charge on average overdraft balances will be equal to FMB Prime plus 1.00%.
Simple Business Checking $10.00 monthly Service Charge (waived if average daily balance for the month is $500 or greater). $.25 per item fee for exceeding 200 items per statement cycle. This fee is retroactive to the first item on the statement.

Miscellaneous Fees

ProductFee
ACH (Automated Clearing House) Transactions. Fees listed as "ACH Charges". Commercial: Transfer from FMB to credit an account at another institution $5.00. Tax Payment $5.00. Direct Deposit/Payment Processing Set Up Fee $50.00. Per File Origination Fee $10.00. Return Items & Notification of Change- $7.00. Listed as Return ACH Item Fee. Per Item Origination (Debits, Credits & Prenotes) $.25. Per Item Reversals (Debits & Credits) $1.00.
ATM/Debit Card Re-Encode Fee $2.00
ATM/Debit Card Replacement Fee $10.00
Bill Pay Services through Online Banking - Fees listed as "Service Charge". There is no charge for our regular CheckFree bill pay service. Add On Bill Pay Services: PopMoney (person to person transfer) = $.50 per transaction, Overnight Check = $14.95 per transaction, Account to Account transfer (transfer between institutions $2.00 outgoing and free for incoming), Same Day bill pay = $9.95 per transaction.
Cashier’s Checks $5.00 per cashier check for our customers, or free with aggregate YTD average balance of $2000 or more. One check per day free to customers with a Your Choice Checking - Premium Account. Not sold to Non-customers
Checks (Temporary) 8 at no charge when a customer reorders checks at the time of request. If checks are not ordered, the customer will be charged $.50 for each temporary check.
Christmas Money Envelopes $.25 each
Coin Machine Non-Customer 12%
Collection items received $25.00
Collection items sent $25.00
Debit Card Rush Order Fee $60.00 per expedited card
Deposit Bags (Night Deposit Lock Bags) $35.00 fee for the bag and one key to the night depository. Each additional key $10.00.
Deposit Bags (Regular Zipper Bags) $5.00
Deposit Verification Fee $5.00
Dormant Charge $8 Fee after 9 months of inactivity. Does not apply to Minor Savings Accounts. Customers can call to reactivate account.
Early Account Closing Fee If checking or savings account is closed by the customer within the first 90 Days from the opening date – $15.00
Excessive Withdrawal Fee $10.00 service charge when a MMDA or Savings exceeds 6 of the restricted withdrawal types.
Fax Service FMB will fax documents for Customers at no charge if it is to a toll free number. If it is not a toll free number, FMB will charge customers $5.00. No additional fee for multiple pages. Non Customer Fax Charge is $10. No additional fee for multiple pages.
Forced Account Closing $30 fee to any checking account with a negative balance that is closed by the bank due to insufficient funds or fraudulent activity.
Forced Entry to Safe Deposit Box Fee $198 per occurrence - this also applies to lost keys.
Garnishment Fees $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. Transaction Processing Fee – $.25 per deposited check and $.45 per deposit ticket. Yearly Post Office Box amount paid monthly as determined by the box size chosen and subject to change by the US Postal Service.
Merchant Check Capture Services Deposit Only Customer -$65 Monthly. Deposit/Loan Customer – $50 Monthly. Scanner Purchase – $299.00 Single Feed Scanner or $529.00 CR50 CPM Scanner (Ink Cartridge – $18.95) Additional onsite technology support or training after initial set up $150 per hour.
Money Orders $3.00 each for amounts of $1 to $1000. Money Orders are free to customers with the Your Choice Checking - Premium Account. Not sold to non-customers.
Notary Fee Free to customers. Service not provided to non-customers.
Paper Statement Fee $2.00 per month fee will be charged on accounts receiving paper statements unless otherwise noted
Photo Copies First 3 pages copied per day are free for FMB Customers. All others are $.50 per page copied.
Reconciliation Fees $30.00 per hour with a minimum charge of $15.00
Replacement ATM/Debit Card $2.25 fee per withdrawal. Stated as “ATM FEE ON FOREIGN" on Statement
Research Fees $30.00 per hour, minimum charge of $15.00.
Returned Deposit Item $10.00 per deposited check returned on personal accounts and $15.00 per deposited check returned on business accounts.
Returned Mail Fee $5.00 per month when mail is returned due to an invalid address.
Safe Deposit Box Late Payment Fee $5.00 Automatic Late Charge when payment is 30 days past due
Statement (Instant) $5.00 per account print out. Will show on account as Instant Statement Fee.
Statement Special Handling Fee $5.00 per month fee for duplicate paper statements.
Stop Payment $30.00 per stop payment order
Subpeona/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.
Transfer Fee (Telephone Request) $5.00 per customer transfer request. No charge for Telephone Banking and MoneyPass transfers.
Uncollected Funds $30.00 returned uncollected fee per transaction presented for payment while account has hold against funds.
Wire Transfers Domestic – $17.00 incoming wire fee, $25.00 outgoing wire fee. Not available for Non-CustomersForeign – $60.00 for FMB Customers. 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 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.

Fee TypeFee
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.
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.

Additional Categories of Transactions for Which an Overdraft Fee May Be Imposed Are:

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. The charges for these items are:

TypeFee
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.

Non-Customer Fees:

TypeFee
ATM Fee $3.00