!!ATTENTION!!
A new scam has been circling our area. The scam involves someone calling and claiming to be from one of our branches, so far specifically the Binford branch. (The caller ID has been manipulated to look like the call is actually coming from Farmers & Merchants in Binford.) They are claiming to help with fraud on accounts, say they will help you get a new account, and transfer your funds to the new account. Please do not give out any information or initiate transfers for anyone with these claims. If you are concerned about fraud on your account, please call one of our actual branches. FMBND would NEVER call and have you login or give us your online banking login information in order to transfer your funds. Please be diligent about never sharing your login information or authentication codes with anyone!
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account:
| Replacement Fee For Lost Card- ATM/Debit Card | $15.00 |
| -A replacement fee may be accessed. | no |
| FMBND Customer Point of Sale Daily Transaction Limit | $2,000.00 |
| FMBND Customer ATM Cash Withdrawal Daily Transaction Limit | $500.00 |
| Check Printing | Varies |
| -Varies depending on style of checks ordered. | no |
| Cashier's Check | $2.00 |
| Money Orders | $2.00 per check |
| Money Order Refund Request | $18.00 per check |
| Overdraft Fee | $20.00 per item |
| -Assessed on each item paid. The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, or other electronic means. | no |
| Overdraft Fee- Continuous OD Fee | $5.00 per day |
| -Assessed daily starting on the 6th business day of a consecutive overdrawn balance. The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, or other electronic means. | no |
| Returned Item Fee | $20.00 per item/per presentment |
| -Assessed for each item returned. Be aware that items or payments may be presented multiple times and that we do not monitor or control the number of times a transaction is presented for payment. We may charge you an NSF fee each time a payment is presented if the amount of money available in your account is not sufficient to cover the payment, regardless of the number of times the payment is presented. The categories of transactions of which a returned item fee may be imposed are those by any of the following means: check, in-person withdrawal, or other electronic means. | no |
| Account Research | $25.00 per hour |
| Account Balancing Assistance | $25.00 per hour |
| Stop Payment Fee | $15.00 |
| Internet Bill Pay Service Stop Payment Fee | $25.00 |
| Wire Transfer In | $10.00 |
| Wire Transfer Out | $20.00 |
| Foreign Wire Out | $50.00 |
| Outgoing Fax Transmittals | $0.50 per page |
| Incoming Fax Transmittals | $0.25 per page |
| Photocopies | $0.10 per page |
| Safe Deposit Box Rent | $15.00- $45.00 per year, depending on size of box |
| Safe Deposit Box Drilling & Replacement Keys | Varies |
| Garnishment | $10.00 |
| Executions | $10.00 |
| Levies | $10.00 |
| Copy of Statement | $2.00 per statement |
| International Transaction Fee | 1% fee added to the amount of purchase or cash advance when it occurs outside the US |
| Pay a Person Transfer Fee (Online & Mobile Banking Feature) | $0.50 per transfer |
| External Self Transfer Fee- Standard (Online & Mobile Banking Feature) | $1.25 per transfer |
| -Timeline for Transfers to Occur is 3-5 Days. | no |
| External Self Transfer Fee- Express (Online & Mobile Banking Feature) | $4.50 per transfer |
| -Timeline for Transfers to Occur is 1-2 Days . | no |
| Failed Pay a Person or External Transfer Fee | $25.00 |