SHARE (SAVINGS) FEES
Excessive Cash Withdrawals ……….     $  2.00(4 free/mo)
Christmas Club Withdrawal....………..$  5.00/withdrawl
DRAFT (CHECKING) ACCOUNT FEES
Overdraft (NSF)............….......………. $ 25.00/item
Returned NSF Item ……...……………..   $ 25.00/item
Business Draft Account ……………        …. $ 15.00/month
Close Draft for abuse..........…………..    $ 50.00
Check / Statement Copy....…………      $   5.00/copy
OTHER SERVICE FEES (applicable to all accounts)
Account History Printout …………..  $   1.00
Account Reconciliation.........………….   $ 10.00/hour
ACH NSF Return....................………..    $ 25.00/item
ACH Overdraft (NSF)………….…………      $ 25.00/item
ATM Card:      Initial fee………………….     $   5.00
                        Pin Reminder….…………      $   5.00
                        Replacement Card ……..  $ 10.00
ATM/DC Pin based transactions…..       $   1.00(8 free/mo)
ATM/DC Overdraft (NSF)…........……..                    $ 25.00/item
Automatic Overdraft transfers …….  $   3.00(4 free/mo)
Cashier’s Check……………..………….  $   2.00
Close Account w/in 180 days ……..  $ 10.00
Consecutive Negative Balance .……….    $ 25.00/7days
Courtesy Pay ……..……………..………. $ 25.00/item
Debit Card:          Pin Reminder……..…..      $   5.00
                     Replacement Card..…. $ 10.00
Deposited Item Return........…......…..      $   3.00/item
Dormant Account .....................….        $   5.00/month
                (after 3 years & under $100.00)
Fax incoming/outgoing ……………..     $   1.00/page
Kwik Cash withdrawal under $100 …     $   5.00/withdrawl
Money Order .......................…..….. $   2.00/item
Money Order/Cashier’s Check copy      $   5.00/item
Re-open Account ………………………  $ 10.00
Stop Payment ……………………..…….   $ 25.00/item
Tax Levy …………………………………   $ 35.00/request
Transfer to F&M Bank...........………     $ 10.00/transfer
Undeliverable mail/address correct  $   5.00/item
Western Union:  Domestic …….……  $ 40.00/transfer
                                Foreign ……….……     $ 60.00/transfer
Wire Transfers:      Incoming ............    $ 10.00/transfer
                                   Outgoing......….....  $ 20.00/transfer
                                   Foreign................   $ 60.00/transfer
LOAN FEES
Duplicate Lien Release ………………     $ 10.00
Duplicate Satisfaction ……………….     $ 10.00
Rush Payoff-fax ……………………….. $ 10.00
Verification of Account ……………..     $ 10.00
VISA FEES            
Late Payment (after 10 days).....……..     $ 25.00/month
NSF Payment .........................……….     $ 25.00/check
Visa Gift /Travel Cards ………………..   $   3.00/card
The rates and fees appearing in this Schedule
are accurate and effective for all accounts as of the dates stated above.
If you have any questions on your accounts,
please call us at 920-478-2151 or 800-737-7928.