Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community bank, $1B to $10B

First Metro Bank

Muscle Shoals, AlabamaBankAtlanta Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Balancing Assistance$10Below the typical range ($15–$25 nationally)

Dormant Account Fee$2

$3 below the national median

per month · Knox deterministic extraction from Rosetta artifact #2741. canonical_hint=dormant_account; text_hash=b56fc208b238b8c8b290483edaa1c669738262ea201fbdb324326783de615f43; excerpt="Dormant Account Fee $2.00 (this fee is charged each month) An account is dormant if, within 12" · Source

Overdraft & NSFVerified

Non-Sufficient Funds (NSF) Fee$33Above the typical range ($25–$32 nationally)
$4 above the national median
Knox deterministic extraction from Rosetta artifact #2741. canonical_hint=nsf; text_hash=b56fc208b238b8c8b290483edaa1c669738262ea201fbdb324326783de615f43; excerpt="Non-Sufficient Funds (NSF) Fee $33.00 (this fee may be imposed by any of the following:check, in-person" · Source
OD Protection Transfer Fee$15Above the typical range ($2.50–$5 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #2741. canonical_hint=od_protection_transfer; text_hash=b56fc208b238b8c8b290483edaa1c669738262ea201fbdb324326783de615f43; excerpt="OD Protection Transfer Fee $15.00 per transfer; assessed at statement cycle" · Source
Overdraft Fee$33Above the typical range ($20–$30 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #2741. canonical_hint=overdraft; text_hash=b56fc208b238b8c8b290483edaa1c669738262ea201fbdb324326783de615f43; excerpt="Overdraft Fee $33.00 (this fee may be imposed by any of the following:check, in-person" · Source

ATM & CardVerified

Foreign ATM withdrawal fee$2Within the typical range ($1–$3 nationally)
$0.50 above the national median
Knox deterministic extraction from Rosetta artifact #2741. canonical_hint=atm_non_network; text_hash=b56fc208b238b8c8b290483edaa1c669738262ea201fbdb324326783de615f43; excerpt="Foreign ATM withdrawal fee $2.00 (Cash Withdrawal at non-First Metro ATM)" · Source

Check ServicesVerified

Check Image Copies$1Below the typical range ($2–$5 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #2741. canonical_hint=check_image; text_hash=b56fc208b238b8c8b290483edaa1c669738262ea201fbdb324326783de615f43; excerpt="Check Image Copies $1.00" · Source
Official Check Non-Customer$10Above the typical range ($3–$6 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #2741. canonical_hint=cashiers_check; text_hash=b56fc208b238b8c8b290483edaa1c669738262ea201fbdb324326783de615f43; excerpt="Official Check Non-Customer $10.00" · Source

Account ServicesVerified

Balance inquiry by telephone$2Within the typical range ($1–$2 nationally)
$0.75 above the national median
per month · Knox deterministic extraction from Rosetta artifact #2741. canonical_hint=balance_inquiry; text_hash=b56fc208b238b8c8b290483edaa1c669738262ea201fbdb324326783de615f43; excerpt="Balance inquiry by telephone $2.00 (in excess of four per month)" · Source
Levy/Garnishment$75Within the typical range ($25–$75 nationally)
$25 above the national median
Knox deterministic extraction from Rosetta artifact #2741. canonical_hint=garnishment_levy; text_hash=b56fc208b238b8c8b290483edaa1c669738262ea201fbdb324326783de615f43; excerpt="Levy/Garnishment $75.00" · Source
Notary Fee (per item notarized)$5Within the typical range ($0–$5 nationally)
$2.50 above the national median
per item · Knox deterministic extraction from Rosetta artifact #2741. canonical_hint=notary_fee; text_hash=b56fc208b238b8c8b290483edaa1c669738262ea201fbdb324326783de615f43; excerpt="Notary Fee (per item notarized) $5.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Balancing Assistance	$10Below the typical range ($15–$25 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #2741. canonical_hint=account_research; text_hash=b56fc208b238b8c8b290483edaa1c669738262ea201fbdb324326783de615f43; excerpt="Account Balancing Assistance $10.00 per hour"	Source
Dormant Account Fee	$2Below the typical range ($5–$10 nationally)	$3 below the national median	per month	Knox deterministic extraction from Rosetta artifact #2741. canonical_hint=dormant_account; text_hash=b56fc208b238b8c8b290483edaa1c669738262ea201fbdb324326783de615f43; excerpt="Dormant Account Fee $2.00 (this fee is charged each month) An account is dormant if, within 12"	Source
Overdraft & NSFVerified
Non-Sufficient Funds (NSF) Fee	$33Above the typical range ($25–$32 nationally)	$4 above the national median	—	Knox deterministic extraction from Rosetta artifact #2741. canonical_hint=nsf; text_hash=b56fc208b238b8c8b290483edaa1c669738262ea201fbdb324326783de615f43; excerpt="Non-Sufficient Funds (NSF) Fee $33.00 (this fee may be imposed by any of the following:check, in-person"	Source
OD Protection Transfer Fee
ATM & CardVerified
Foreign ATM withdrawal fee	$2Within the typical range ($1–$3 nationally)	$0.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #2741. canonical_hint=atm_non_network; text_hash=b56fc208b238b8c8b290483edaa1c669738262ea201fbdb324326783de615f43; excerpt="Foreign ATM withdrawal fee $2.00 (Cash Withdrawal at non-First Metro ATM)"	Source
Check ServicesVerified
Check Image Copies	$1Below the typical range ($2–$5 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #2741. canonical_hint=check_image; text_hash=b56fc208b238b8c8b290483edaa1c669738262ea201fbdb324326783de615f43; excerpt="Check Image Copies $1.00"	Source
Official Check Non-Customer	$10
Account ServicesVerified
Balance inquiry by telephone	$2Within the typical range ($1–$2 nationally)	$0.75 above the national median	per month	Knox deterministic extraction from Rosetta artifact #2741. canonical_hint=balance_inquiry; text_hash=b56fc208b238b8c8b290483edaa1c669738262ea201fbdb324326783de615f43; excerpt="Balance inquiry by telephone $2.00 (in excess of four per month)"	Source
Levy/Garnishment

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$33

Overdraft fee: $33

18% above the national median overdraft fee

Total fees: 11 — leaner than most institutions

Verified fees

Under review

Assets

$1.0B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$1.0B

Total deposits

$893.7M

Service charge income

$376K

Fee income ratio

3.7%

Return on assets

1.67%

Branches

Service charge income by quarter

Q2 2026$376K

Q1 2026$395K

Q4 2025$430K

Q3 2025$457K

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 20,792 verified fees from 2,117 institutions

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