NO overdraft / NSF fees$0Below the typical range ($25–$33 nationally)
$30 below the national median$30 below the Virginia median
Source
Overdraft/Returned Item Fee$20Below the typical range ($25–$33 nationally)
$10 below the national median$10 below the Virginia median
per day · Source
Returned Item Fee$35Above the typical range ($25–$32 nationally)
$5 above the national median$5 above the Virginia median
Source

ATM & CardVerified

Foreign ATM Transaction Fees$1Within the typical range ($1–$2.25 nationally)
$0.50 below the national medianAt the Virginia median
per transaction · Source
VISA Credit Card Rush Card Delivery Fee$5Below the typical range ($30–$50 nationally)
$35 below the national median$32.50 below the Virginia median
Source

Wire TransfersVerified

Outgoing Wire$20Within the typical range ($20–$25 nationally)
$5 below the national median$3.75 below the Virginia median
per item · Source
Incoming Wire$15Within the typical range ($5–$15 nationally)
$5 above the national median$10 above the Virginia median
per item · Source
International Wire - Outgoing$40Within the typical range ($40–$50 nationally)
$10 below the national median$7.50 below the Virginia median
per item · Source

Check ServicesVerified

Online Bill Payment - Stop Payment$35Above the typical range ($20–$30 nationally)
$7.50 above the national median$5 above the Virginia median
per item · Source
Counter Checks$0.50Below the typical range ($1–$4 nationally)
$1.50 below the national median$1.50 below the Virginia median
per item · Source
Copy of Single Check Image$1Below the typical range ($2–$5 nationally)
$2 below the national median$3 below the Virginia median
Source

Digital & ElectronicVerified

Online Bill Payment - Verification$10Above the typical range ($0–$9.95 nationally)
$7.50 above the national median$5.50 above the Virginia median
per item · Source

Cash & DepositVerified

Deposited Item Returned Fee$10Within the typical range ($8–$25 nationally)
$5 below the national median$12.50 below the Virginia median
per item · Source

Account ServicesVerified

Notary Service$5Within the typical range ($0–$5 nationally)
$2.50 above the national median$2.50 above the Virginia median
per item · Source
Drill and Replace Lock$150Above the typical range ($30–$70 nationally)
$105 above the national median$98.75 above the Virginia median
Source
Single Key Replacement$35Within the typical range ($30–$70 nationally)
$10 below the national median$16.25 below the Virginia median
Source
Legal Processing Fee (Tax Levies, Garnishments, Etc.)$75Within the typical range ($30–$88.13 nationally)
$25 above the national medianAt the Virginia median
Source

Lending FeesVerified

Late Charge$10Within the typical range ($10–$25 nationally)
$10 below the national median$15 below the Virginia median
Source

Retirement & IRAVerified

IRA Transfer$50Above the typical range ($25–$35 nationally)
$25 above the national median$25 above the Virginia median
per item · Source

Other FeesVerified

Copy of Statement without Images$1Below the typical range ($2–$5 nationally)
$2 below the national median$3.50 below the Virginia median
Source
Photocopies$0.25Below the typical range ($2–$5 nationally)
$2.75 below the national median$4.25 below the Virginia median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Monthly maintenance fee	$0Below the typical range ($4–$10 nationally)	$6 below the national median$6.74 below the Virginia median	per month	—	Source
Dormant Checking Account Fee	$10Within the typical range ($5–$10 nationally)	$5 above the national medianAt the Virginia median	per month	—	Source
Account Research Fee	$25Within the typical range ($12–$25 nationally)	$7.50 above the national median$10 above the Virginia median	—	—	Source
Outgoing Facsimile	$3Below the typical range ($12–$25 nationally)	$14.50 below the national median$12 below the Virginia median	per item	First Page / $1.00 each additional page	Source
paper statement fee	$3Within the typical range ($2–$4.93 nationally)	At the national median$0.50 below the Virginia median	—	—	Source
Overdraft & NSFVerified
NO overdraft / NSF fees	$0Below the typical range ($25–$33 nationally)	$30 below the national median$30 below the Virginia median	—	—	Source
Overdraft/Returned Item Fee	$20
ATM & CardVerified
Foreign ATM Transaction Fees	$1Within the typical range ($1–$2.25 nationally)	$0.50 below the national medianAt the Virginia median	per transaction	—	Source
VISA Credit Card Rush Card Delivery Fee	$5
Wire TransfersVerified
Outgoing Wire	$20Within the typical range ($20–$25 nationally)	$5 below the national median$3.75 below the Virginia median	per item	—	Source
Incoming Wire	$15
Check ServicesVerified
Online Bill Payment - Stop Payment	$35Above the typical range ($20–$30 nationally)	$7.50 above the national median$5 above the Virginia median	per item	—	Source
Counter Checks	$0.50
Digital & ElectronicVerified
Online Bill Payment - Verification	$10Above the typical range ($0–$9.95 nationally)	$7.50 above the national median$5.50 above the Virginia median	per item	—	Source
Cash & DepositVerified
Deposited Item Returned Fee	$10Within the typical range ($8–$25 nationally)	$5 below the national median$12.50 below the Virginia median	per item	—	Source
Account ServicesVerified
Notary Service	$5Within the typical range ($0–$5 nationally)	$2.50 above the national median$2.50 above the Virginia median	per item	—	Source
Drill and Replace Lock	$150
Lending FeesVerified
Late Charge	$10Within the typical range ($10–$25 nationally)	$10 below the national median$15 below the Virginia median	—	—	Source
Retirement & IRAVerified
IRA Transfer	$50Above the typical range ($25–$35 nationally)	$25 above the national median$25 above the Virginia median	per item	—	Source
Other FeesVerified
Copy of Statement without Images	$1Below the typical range ($2–$5 nationally)	$2 below the national median$3.50 below the Virginia median	—	—	Source
Photocopies	$0.25

Against Richmond Fed district banks

Its state has too few comparable institutions, so these are its Fed district peers.

Overdraft
$20.00
Of 52 others that publish it, 7 lower, 3 the same and 42 higher.
Monthly maintenance
$0.00
Of 55 others that publish it, 0 lower, 3 the same and 52 higher.

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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

$20

Overdraft fee: $20

33% below the national median overdraft fee

26 verified fees collected

Headline fees published

10 of 15

Published fees

Under review

Assets

$939.4M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$939.4M

Total deposits

$821.5M

Service charge income

$361K

Fee income ratio

2.8%

Return on assets

2.26%

Branches

Service charge income by quarter

Q2 2026$361K

Q1 2026$364K

Q4 2025$374K

Q3 2025$342K

Financial profile · Pro

Performance from regulator filings

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Based on 65,454 published fee entries from 3,597 institutions

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