Bank of the James

Headquarters: Lynchburg, Virginia
Charter: Bank
Assets: $1.0B
Fed district: Richmond

12 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Wire Transfer (Domestic Out)
Bank of the James: $30 to $70
Bank of the James: $30 to $70
U.S. median: no median
Stop Payment
Bank of the James: $35
Bank of the James: $35
U.S. median: no median
Wire Transfer (Int'l Out)
Bank of the James: $60 to $100
Bank of the James: $60 to $100
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Virginia: Banks and credit unions headquartered in Virginia that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Bank of the James’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account Service Fee$7
Account Research Fee (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour

ATM & Card

Replacement card fee$10

Wire Transfers

Electronically submitted Outgoing Domestic Wire Transfer$70
Outgoing Domestic Wire Transfer$30
Incoming Wires$15
Electronically submitted Outgoing Foreign Wire Transfer$100
Outgoing Foreign Wire Transfer$60

Check Services

Cashier’s Checks: Customer Checks$10
Stop Payment on Check or ACH$35
Counter Checks (per page of four)$5
per item

Digital & Electronic

Electronically submitted ACH same day - per transaction fee$40
per transaction

Cash & Deposit

Returned Deposited (Or Cashed) Item$10

Account Services

Safe Deposit Box – both keys lost$150
Not compared: Box drilling or key fee
Safe Deposit Box – lost key (1)$75
Not compared: Box drilling or key fee
Legal process fee$125

Other Fees

Fax Fee$5

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Service Fee	$7	Not stated	None
Account Research Fee (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
ATM & Card
Replacement card fee	$10	Not stated	None
Wire Transfers
Electronically submitted Outgoing Domestic Wire Transfer	$70	Not stated	None
Outgoing Domestic Wire Transfer	$30	Not stated	None
Incoming Wires	$15	Not stated	None
Electronically submitted Outgoing Foreign Wire Transfer	$100	Not stated	None
Outgoing Foreign Wire Transfer	$60	Not stated	None
Check Services
Cashier’s Checks: Customer Checks	$10	Not stated	None
Stop Payment on Check or ACH	$35	Not stated	None
Counter Checks (per page of four)	$5	per item	None
Digital & Electronic
Electronically submitted ACH same day - per transaction fee	$40	per transaction	None
Cash & Deposit
Returned Deposited (Or Cashed) Item	$10	Not stated	None
Account Services
Safe Deposit Box – both keys lost	$150Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box – lost key (1)	$75Not compared: Box drilling or key fee	Not stated	None
Legal process fee	$125	Not stated	None
Other Fees
Fax Fee	$5	Not stated	None

Correct a fee source

Oct 15, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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