Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Regional bank, $10B to $50B

Live Oak Banking Company

Wilmington, North CarolinaBankRichmond Fed districtFees collected Apr 22, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Overdraft & NSFVerified

Overdraft Fee$25Within the typical range ($25–$31 nationally)

Knox deterministic extraction from Rosetta artifact #6249. canonical_hint=overdraft; text_hash=e9d2b976d48846d2a82bcbf4f58a449ac902fd86fb009387fc6a1fb7683b3173; excerpt="Overdraft Fee $25" · Source

Returned Item Fee$10

$20 below the national median

Knox deterministic extraction from Rosetta artifact #6249. canonical_hint=nsf; text_hash=e9d2b976d48846d2a82bcbf4f58a449ac902fd86fb009387fc6a1fb7683b3173; excerpt="Returned Item Fee $10" · Source

Returned Item Fee$5

$25 below the national median

Knox deterministic extraction from Rosetta artifact #6249. canonical_hint=nsf; text_hash=e9d2b976d48846d2a82bcbf4f58a449ac902fd86fb009387fc6a1fb7683b3173; excerpt="Returned Item Fee $5" · Source

ATM & CardVerified

Expedited Debit Card$25Below the typical range ($30–$50 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #6249. canonical_hint=rush_card; text_hash=e9d2b976d48846d2a82bcbf4f58a449ac902fd86fb009387fc6a1fb7683b3173; excerpt="Expedited Debit Card $25" · Source

Wire TransfersVerified

Incoming Wire$10Within the typical range ($5–$15 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6249. canonical_hint=wire_domestic_incoming; text_hash=e9d2b976d48846d2a82bcbf4f58a449ac902fd86fb009387fc6a1fb7683b3173; excerpt="Incoming Wire $10" · Source
Outgoing Domestic Standard Wire$19Below the typical range ($20–$25 nationally)
$3 below the national median
Knox deterministic extraction from Rosetta artifact #6249. canonical_hint=wire_domestic_outgoing; text_hash=e9d2b976d48846d2a82bcbf4f58a449ac902fd86fb009387fc6a1fb7683b3173; excerpt="Outgoing Domestic Standard Wire $19" · Source
Outgoing International Standard Wire$40Within the typical range ($40–$50 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #6249. canonical_hint=wire_intl_outgoing; text_hash=e9d2b976d48846d2a82bcbf4f58a449ac902fd86fb009387fc6a1fb7683b3173; excerpt="Outgoing International Standard Wire $40" · Source

Check ServicesVerified

Cashier's Check$10Above the typical range ($3–$6 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #6249. canonical_hint=cashiers_check; text_hash=e9d2b976d48846d2a82bcbf4f58a449ac902fd86fb009387fc6a1fb7683b3173; excerpt="Cashier's Check $10" · Source
Stop Payment Fee$25Within the typical range ($20–$30 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #6249. canonical_hint=stop_payment; text_hash=e9d2b976d48846d2a82bcbf4f58a449ac902fd86fb009387fc6a1fb7683b3173; excerpt="Stop Payment Fee $25" · Source
Stop Payment Fee- Online$10Below the typical range ($20–$30 nationally)
$15.50 below the national median
Knox deterministic extraction from Rosetta artifact #6249. canonical_hint=stop_payment; text_hash=e9d2b976d48846d2a82bcbf4f58a449ac902fd86fb009387fc6a1fb7683b3173; excerpt="Stop Payment Fee- Online $10" · Source

Digital & ElectronicVerified

Expedited Bill Pay Fee$10Within the typical range ($0–$11.29 nationally)
$5.03 above the national median
Knox deterministic extraction from Rosetta artifact #6249. canonical_hint=bill_pay; text_hash=e9d2b976d48846d2a82bcbf4f58a449ac902fd86fb009387fc6a1fb7683b3173; excerpt="Expedited Bill Pay Fee $10" · Source
Expedited Bill Pay Fee- Economy$6.95Within the typical range ($0–$11.29 nationally)
$1.98 above the national median
Knox deterministic extraction from Rosetta artifact #6249. canonical_hint=bill_pay; text_hash=e9d2b976d48846d2a82bcbf4f58a449ac902fd86fb009387fc6a1fb7683b3173; excerpt="Expedited Bill Pay Fee- Economy $6.95" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Overdraft & NSFVerified
Overdraft Fee	$25Within the typical range ($25–$31 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #6249. canonical_hint=overdraft; text_hash=e9d2b976d48846d2a82bcbf4f58a449ac902fd86fb009387fc6a1fb7683b3173; excerpt="Overdraft Fee $25"	Source
Returned Item Fee	$10Below the typical range ($25–$31 nationally)	$20 below the national median	—	Knox deterministic extraction from Rosetta artifact #6249. canonical_hint=nsf; text_hash=e9d2b976d48846d2a82bcbf4f58a449ac902fd86fb009387fc6a1fb7683b3173; excerpt="Returned Item Fee $10"	Source
Returned Item Fee	$5Below the typical range ($25–$31 nationally)	$25 below the national median	—	Knox deterministic extraction from Rosetta artifact #6249. canonical_hint=nsf; text_hash=e9d2b976d48846d2a82bcbf4f58a449ac902fd86fb009387fc6a1fb7683b3173; excerpt="Returned Item Fee $5"	Source
ATM & CardVerified
Expedited Debit Card	$25Below the typical range ($30–$50 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #6249. canonical_hint=rush_card; text_hash=e9d2b976d48846d2a82bcbf4f58a449ac902fd86fb009387fc6a1fb7683b3173; excerpt="Expedited Debit Card $25"	Source
Wire TransfersVerified
Incoming Wire	$10Within the typical range ($5–$15 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #6249. canonical_hint=wire_domestic_incoming; text_hash=e9d2b976d48846d2a82bcbf4f58a449ac902fd86fb009387fc6a1fb7683b3173; excerpt="Incoming Wire $10"	Source
Outgoing Domestic Standard Wire
Check ServicesVerified
Cashier's Check	$10Above the typical range ($3–$6 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #6249. canonical_hint=cashiers_check; text_hash=e9d2b976d48846d2a82bcbf4f58a449ac902fd86fb009387fc6a1fb7683b3173; excerpt="Cashier's Check $10"	Source
Stop Payment Fee
Digital & ElectronicVerified
Expedited Bill Pay Fee	$10Within the typical range ($0–$11.29 nationally)	$5.03 above the national median	—	Knox deterministic extraction from Rosetta artifact #6249. canonical_hint=bill_pay; text_hash=e9d2b976d48846d2a82bcbf4f58a449ac902fd86fb009387fc6a1fb7683b3173; excerpt="Expedited Bill Pay Fee $10"	Source
Expedited Bill Pay Fee- Economy

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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

$25

Overdraft fee: $25

17% below the national median overdraft fee

Total fees: 12 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$16.0B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$16.0B

Total deposits

$14.7B

Service charge income

$493K

Fee income ratio

0.31%

Return on assets

1.03%

Branches

Service charge income by quarter

Q2 2026$493K

Q1 2026$382K

Q4 2025$375K

Q3 2025$342K

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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