First Metro Bank

Headquarters: Muscle Shoals, Alabama
Charter: Bank
Assets: $1.0B
Fed district: Atlanta

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

Source: its fee schedule, read Oct 4, 2026.

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Fees against the market

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

Overdraft (OD)
First Metro Bank: $33
First Metro Bank: $33
U.S. median: no median
NSF / Returned Item
First Metro Bank: $33
First Metro Bank: $33
U.S. median: no median
Non-Network ATM
First Metro Bank: $2
First Metro Bank: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta 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).
Alabama: Banks and credit unions headquartered in Alabama that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 First Metro Bank’s own schedules, with a source for each figure.

Account Maintenance

Service charge (balance falls below $1,000) (audience not stated, treated as personal)$12
per month
Service charge (balance falls below $2,500) (audience not stated, treated as personal)$10
per month
Close of Account within 90 days of opening$10
Dormant Account Fee$2
per month
Account Balancing Assistance$10
Not compared: Charged per hour; comparison unavailable
per hour
Account research$30
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Fee$33
Non-Sufficient Funds (NSF) Fee$33
OD Protection Transfer Fee$15
per item

ATM & Card

Balance Inquiry other than First Metro ATM$2
Foreign ATM withdrawal fee$2
Replacement ATM or Check Card$15

Wire Transfers

Domestic Wire Transfer: Outgoing$20
Domestic Wire Transfer: Incoming$15
International Wire Transfer: Outgoing$50
International Wire Transfer: Incoming$15

Check Services

Cashier's check$5
Official check$5
Official Check Non-Customer$10
Stop payments (per item)$30
per item
Collection Items: Bonds and Coupons$12
Domestic Collection Item (incoming and outgoing)$20
International Collection Item (incoming and outgoing)$25
Check Image Copies$1

Cash & Deposit

Special Handled Items (deposited items returned unpaid, chargebacks, cash$3

Account Services

Notary Fee (per item notarized)$5
per item
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)$90
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)$45
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)$30
per year
Safe Deposit Box 4 x 10 (audience not stated, treated as personal)$50
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)$60
Levy/Garnishment$75

Other Fees

Duplicate Statement$2.50
Photocopies$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Service charge (balance falls below $1,000) (audience not stated, treated as personal)	$12	per month	None
Service charge (balance falls below $2,500) (audience not stated, treated as personal)	$10	per month	None
Close of Account within 90 days of opening	$10	Not stated	None
Dormant Account Fee	$2	per month	None
Account Balancing Assistance	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Account research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Fee	$33	Not stated	None
Non-Sufficient Funds (NSF) Fee	$33	Not stated	None
OD Protection Transfer Fee	$15	per item	None
ATM & Card
Balance Inquiry other than First Metro ATM	$2	Not stated	None
Foreign ATM withdrawal fee	$2	Not stated	None
Replacement ATM or Check Card	$15	Not stated	None
Wire Transfers
Domestic Wire Transfer: Outgoing	$20	Not stated	None
Domestic Wire Transfer: Incoming	$15	Not stated	None
International Wire Transfer: Outgoing	$50	Not stated	None
International Wire Transfer: Incoming	$15	Not stated	None
Check Services
Cashier's check	$5	Not stated	None
Official check	$5	Not stated	None
Official Check Non-Customer	$10	Not stated	None
Stop payments (per item)	$30	per item	None
Collection Items: Bonds and Coupons	$12	Not stated	None
Domestic Collection Item (incoming and outgoing)	$20	Not stated	None
International Collection Item (incoming and outgoing)	$25	Not stated	None
Check Image Copies	$1	Not stated	None
Cash & Deposit
Special Handled Items (deposited items returned unpaid, chargebacks, cash	$3	Not stated	None
Account Services
Notary Fee (per item notarized)	$5	per item	None
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)	$90	Not stated	None
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)	$45	Not stated	None
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)	$30	per year	None
Safe Deposit Box 4 x 10 (audience not stated, treated as personal)	$50	Not stated	None
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)	$60	Not stated	None
Levy/Garnishment	$75	Not stated	None
Other Fees
Duplicate Statement	$2.50	Not stated	None
Photocopies	$1Not compared: Charged per page; comparison unavailable	per page	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 4, 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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