Macon Bank and Trust Company

Headquarters: Lafayette, Tennessee
Charter: Bank
Assets: $820.5M
Fed district: Atlanta

8 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.

Monthly Maintenance
Interest Checking Account
Can be waived with a minimum balance of $1,000 or more.
Macon Bank and Trust Company: $6
Macon Bank and Trust Company: $6
U.S. median: no median
Overdraft (OD)
Macon Bank and Trust Company: $30
Macon Bank and Trust Company: $30
U.S. median: no median
NSF / Returned Item
Macon Bank and Trust Company: $30
Macon Bank and Trust Company: $30
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 Macon Bank and Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Minimum balance service charge$6
Balance service charge (qualifications are not met & balance falls below $300.00)$6
per month

Overdraft & NSF

Paid Items Overdraft Fee$30
per item
Returned checks$30
Returned Items NSF Fee$30
per item

Wire Transfers

Sending a wire$15
Sending an international wire$50

Check Services

Stop Payments$20
per item

Other Fees

Fax Charge: Incoming$5
Fax Charge: Outgoing$8
Statement Reproduction – each statement$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Minimum balance service charge	$6	Not stated	None
Balance service charge (qualifications are not met & balance falls below $300.00)	$6	per month	None
Overdraft & NSF
Paid Items Overdraft Fee	$30	per item	None
Returned checks	$30	Not stated	None
Returned Items NSF Fee	$30	per item	None
Wire Transfers
Sending a wire	$15	Not stated	None
Sending an international wire	$50	Not stated	None
Check Services
Stop Payments	$20	per item	None
Other Fees
Fax Charge: Incoming	$5	Not stated	None
Fax Charge: Outgoing	$8	Not stated	None
Statement Reproduction – each statement	$5	per item	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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