The First National Bank of Middle Tennessee

Headquarters: Mcminnville, Tennessee
Charter: Bank
Assets: $952.4M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 16, 2026.

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Fees against the market

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

Overdraft (OD)
The First National Bank of Middle Tennessee: $30
The First National Bank of Middle Tennessee: $30
U.S. median: no median
NSF / Returned Item
The First National Bank of Middle Tennessee: $30
The First National Bank of Middle Tennessee: $30
U.S. median: no median
Non-Network ATM
The First National Bank of Middle Tennessee: $1
The First National Bank of Middle Tennessee: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Tennessee, 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).
Tennessee: Banks and credit unions headquartered in Tennessee 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 The First National Bank of Middle Tennessee’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account$3
Not compared: Quarterly charge, not monthly
per quarter
Account Research$35
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Item$30
per item
Nonsufficient Funds (NSF) Item$30
per item

ATM & Card

ATM User Fee at non-FNB ATM’s$1
per item
Lost Debit Card Replacement Fee$5
per item

Wire Transfers

Wire Transfer-Incoming Consumer: Domestic$25
Wire Transfer-Incoming Consumer: International$50
Wire Transfer-Incoming Consumer: International$10

Check Services

Cashier’s Check$5
per item
Stop Payment Order$25
per item
Counter Checks$3
Collection Fees$20
per item

Other Fees

Statement Reprint$7

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$3Not compared: Quarterly charge, not monthly	per quarter	None
Account Research	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Item	$30	per item	None
Nonsufficient Funds (NSF) Item	$30	per item	None
ATM & Card
ATM User Fee at non-FNB ATM’s	$1	per item	None
Lost Debit Card Replacement Fee	$5	per item	None
Wire Transfers
Wire Transfer-Incoming Consumer: Domestic	$25	Not stated	None
Wire Transfer-Incoming Consumer: International	$50	Not stated	None
Wire Transfer-Incoming Consumer: International	$10	Not stated	None
Check Services
Cashier’s Check	$5	per item	None
Stop Payment Order	$25	per item	None
Counter Checks	$3	Not stated	None
Collection Fees	$20	per item	None
Other Fees
Statement Reprint	$7	Not stated	None

Account Maintenance

Monthly fee$5
per month
Monthly fee$15
per month
Dormant Account$3
Not compared: Quarterly charge, not monthly
per quarter
Account Research$35
Not compared: Charged per hour; comparison unavailable
per hour
Savings Account Excess Withdrawal Fee$3
per item

Overdraft & NSF

Overdraft Item$30
per item
Nonsufficient Funds (NSF) Item$30
per item

ATM & Card

ATM User Fee at non-FNB ATM’s$1
per item
Lost Debit Card Replacement Fee$5
per item

Wire Transfers

Wire Transfer-Outgoing Domestic$25
Wire Transfer-Incoming Domestic$10

Check Services

Cashier’s Check$5
per item
Stop Payment Order$25
per item
Counter Checks$3
Collection Fees$20
per item

Cash & Deposit

Deposited Items Returned/Chargebacks$10
per item

Account Services

Garnishments/Levy’s$25

Other Fees

Statement Reprint$7

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$5	per month	None
Monthly fee	$15	per month	None
Dormant Account	$3Not compared: Quarterly charge, not monthly	per quarter	None
Account Research	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Savings Account Excess Withdrawal Fee	$3	per item	None
Overdraft & NSF
Overdraft Item	$30	per item	None
Nonsufficient Funds (NSF) Item	$30	per item	None
ATM & Card
ATM User Fee at non-FNB ATM’s	$1	per item	None
Lost Debit Card Replacement Fee	$5	per item	None
Wire Transfers
Wire Transfer-Outgoing Domestic	$25	Not stated	None
Wire Transfer-Incoming Domestic	$10	Not stated	None
Check Services
Cashier’s Check	$5	per item	None
Stop Payment Order	$25	per item	None
Counter Checks	$3	Not stated	None
Collection Fees	$20	per item	None
Cash & Deposit
Deposited Items Returned/Chargebacks	$10	per item	None
Account Services
Garnishments/Levy’s	$25	Not stated	None
Other Fees
Statement Reprint	$7	Not stated	None

Correct a fee source

Oct 16, 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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Fees against the market

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

Overdraft (OD)
The First National Bank of Middle Tennessee: $30
The First National Bank of Middle Tennessee: $30
U.S. median: no median
NSF / Returned Item
The First National Bank of Middle Tennessee: $30
The First National Bank of Middle Tennessee: $30
U.S. median: no median
Non-Network ATM
The First National Bank of Middle Tennessee: $1
The First National Bank of Middle Tennessee: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Tennessee, 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).
Tennessee: Banks and credit unions headquartered in Tennessee 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.

Published fee schedule

Amounts from The First National Bank of Middle Tennessee’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account$3
Not compared: Quarterly charge, not monthly
per quarter
Account Research$35
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Item$30
per item
Nonsufficient Funds (NSF) Item$30
per item

ATM & Card

ATM User Fee at non-FNB ATM’s$1
per item
Lost Debit Card Replacement Fee$5
per item

Wire Transfers

Wire Transfer-Incoming Consumer: Domestic$25
Wire Transfer-Incoming Consumer: International$50
Wire Transfer-Incoming Consumer: International$10

Check Services

Cashier’s Check$5
per item
Stop Payment Order$25
per item
Counter Checks$3
Collection Fees$20
per item

Other Fees

Statement Reprint$7

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$3Not compared: Quarterly charge, not monthly	per quarter	None
Account Research	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Item	$30	per item	None
Nonsufficient Funds (NSF) Item	$30	per item	None
ATM & Card
ATM User Fee at non-FNB ATM’s	$1	per item	None
Lost Debit Card Replacement Fee	$5	per item	None
Wire Transfers
Wire Transfer-Incoming Consumer: Domestic	$25	Not stated	None
Wire Transfer-Incoming Consumer: International	$50	Not stated	None
Wire Transfer-Incoming Consumer: International	$10	Not stated	None
Check Services
Cashier’s Check	$5	per item	None
Stop Payment Order	$25	per item	None
Counter Checks	$3	Not stated	None
Collection Fees	$20	per item	None
Other Fees
Statement Reprint	$7	Not stated	None

Account Maintenance

Monthly fee$5
per month
Monthly fee$15
per month
Dormant Account$3
Not compared: Quarterly charge, not monthly
per quarter
Account Research$35
Not compared: Charged per hour; comparison unavailable
per hour
Savings Account Excess Withdrawal Fee$3
per item

Overdraft & NSF

Overdraft Item$30
per item
Nonsufficient Funds (NSF) Item$30
per item

ATM & Card

ATM User Fee at non-FNB ATM’s$1
per item
Lost Debit Card Replacement Fee$5
per item

Wire Transfers

Wire Transfer-Outgoing Domestic$25
Wire Transfer-Incoming Domestic$10

Check Services

Cashier’s Check$5
per item
Stop Payment Order$25
per item
Counter Checks$3
Collection Fees$20
per item

Cash & Deposit

Deposited Items Returned/Chargebacks$10
per item

Account Services

Garnishments/Levy’s$25

Other Fees

Statement Reprint$7

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$5	per month	None
Monthly fee	$15	per month	None
Dormant Account	$3Not compared: Quarterly charge, not monthly	per quarter	None
Account Research	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Savings Account Excess Withdrawal Fee	$3	per item	None
Overdraft & NSF
Overdraft Item	$30	per item	None
Nonsufficient Funds (NSF) Item	$30	per item	None
ATM & Card
ATM User Fee at non-FNB ATM’s	$1	per item	None
Lost Debit Card Replacement Fee	$5	per item	None
Wire Transfers
Wire Transfer-Outgoing Domestic	$25	Not stated	None
Wire Transfer-Incoming Domestic	$10	Not stated	None
Check Services
Cashier’s Check	$5	per item	None
Stop Payment Order	$25	per item	None
Counter Checks	$3	Not stated	None
Collection Fees	$20	per item	None
Cash & Deposit
Deposited Items Returned/Chargebacks	$10	per item	None
Account Services
Garnishments/Levy’s	$25	Not stated	None
Other Fees
Statement Reprint	$7	Not stated	None

Correct a fee source

Oct 16, 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.