vs. U.S. typical range:LowerTypicalHigher
$1.50 above the national median$1.50 above the North Carolina median
per month · Source
$12.50 below the national median$6 below the North Carolina median
per item · Source
$3 below the national median$2.50 below the North Carolina median
per item · Free · Source
$6 above the national median$7 above the North Carolina median
$1 above the national median$0.75 above the North Carolina median
$5 below the national medianAt the North Carolina median
$10 below the national median$5 below the North Carolina median
per item · Source
$10 above the national median$15 above the North Carolina median
per item · Source
At the national median$6 above the North Carolina median
$8 above the national median$8 above the North Carolina median
$1 above the national median$2 above the North Carolina median
$7.50 above the national median$6 above the North Carolina median
$1.50 below the national median$0.50 below the North Carolina median
per item · Source
$3 above the national median$4 above the North Carolina median
$5 above the national median$5 above the North Carolina median
$2.50 below the national median$2 below the North Carolina median
per item · Free · Source
$5 above the national median$9.25 above the North Carolina median
$2.50 above the national median$2 above the North Carolina median
$125 above the national median$117.50 above the North Carolina median
$40 above the national median$32.50 above the North Carolina median
$25 above the national median$17.50 above the North Carolina median
$50 above the national median$42.50 above the North Carolina median
$10 above the national median$2.50 above the North Carolina median
$75 above the national median$55 above the North Carolina median
per item · Source
$5 below the national median$5 below the North Carolina median
per item · Source
$25 above the national median$25 above the North Carolina median
per item · Source
$1 above the national median$1.25 above the North Carolina median
per item · Source
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Dormant Account (per month) | $6.50Within the typical range ($5–$10 nationally) | $1.50 above the national median$1.50 above the North Carolina median | per month | — | Source |
| Return Mail (per occurrence) | $5Below the typical range ($12–$25 nationally) | $12.50 below the national median$6 below the North Carolina median | per item | — | Source |
| Paper Statements or eStatements | $0Below the typical range ($2–$4.95 nationally) | $3 below the national median$2.50 below the North Carolina median | per item | Free | Source |
Overdraft & NSFVerified | |||||
| Overdraft Fee (OD) | $36Above the typical range ($25–$33 nationally) | $6 above the national median$7 above the North Carolina median | — | — | Source |
ATM & CardVerified | |||||
| Non-First Bank ATM Usage | $2.50Above the typical range ($1–$2.25 nationally) | $1 above the national median$0.75 above the North Carolina median | — | — | Source |
| Replace Debit Card (first 2 cards free) | $5 | ||||
Wire TransfersVerified | |||||
| Outgoing Wire Fee (domestic) | $25Within the typical range ($20–$25 nationally) | At the national median$6 above the North Carolina median | — | — | Source |
| Incoming Wire Fee (domestic) | $18 | ||||
Check ServicesVerified | |||||
| Official Check (customer) | $6Within the typical range ($3–$6 nationally) | $1 above the national median$2 above the North Carolina median | — | — | Source |
| Stop Payments (and Renewals) | $35 | ||||
Digital & ElectronicVerified | |||||
| Online Bill Payment | $0Within the typical range ($0–$9.95 nationally) | $2.50 below the national median$2 below the North Carolina median | per item | Free | Source |
Cash & DepositVerified | |||||
| Credit Line Cash Advance Fee | $10Within the typical range ($2–$10 nationally) | $5 above the national median$9.25 above the North Carolina median | — | — | Source |
Account ServicesVerified | |||||
| Debit Card: Notary Service | $5Within the typical range ($0–$5 nationally) | $2.50 above the national median$2 above the North Carolina median | — | — | Source |
| Drilling | $170 | ||||
Retirement & IRAVerified | |||||
| IRA Transfer (outgoing) | $50Above the typical range ($25–$35 nationally) | $25 above the national median$25 above the North Carolina median | per item | — | Source |
Gift & Prepaid CardsVerified | |||||
| Gift Cards – instant issue | $4.50Within the typical range ($3–$4.95 nationally) | $1 above the national median$1.25 above the North Carolina median | per item | — | Source |
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$36
Headline fees published
8 of 15
Published fees
27
Under review
0
Assets
$13.0B
Work at First Bank? See every fee vs. your peers.
Fee Insight Pro
Need this every month, for your whole team?
Pro gives up to 5 people the Hamilton workspace: your fees against peers you pick, a watchlist of competitor fee changes, and cited board-ready reports.
Financial Context
Financials as of Q2 2026 · FDIC call report
Total assets
$13.0B
Total deposits
$11.1B
Service charge income
$4.2M
Fee income ratio
3.2%
Return on assets
1.61%
Branches
116
Service charge income by quarter
Financial profile · Pro
Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.
| $5 below the national medianAt the North Carolina median |
| — |
| — |
| Source |
| Instant Issue (print to the branch) | $30Within the typical range ($30–$50 nationally) | $10 below the national median$5 below the North Carolina median | per item | — | Source |
| Instant Issue (ship to branch) | $50Within the typical range ($30–$50 nationally) | $10 above the national median$15 above the North Carolina median | per item | — | Source |
| $8 above the national median$8 above the North Carolina median |
| — |
| — |
| Source |
| $7.50 above the national median$6 above the North Carolina median |
| — |
| — |
| Source |
| Counter Checks (per page) | $0.50Below the typical range ($1–$4 nationally) | $1.50 below the national median$0.50 below the North Carolina median | per item | — | Source |
| Counter Checks (per page) $0.50 Signature Validation Program (SVP) | $5Above the typical range ($1–$4 nationally) | $3 above the national median$4 above the North Carolina median | — | — | Source |
| Check Cashing | $10Within the typical range ($5–$10 nationally) | $5 above the national median$5 above the North Carolina median | — | — | Source |
| $125 above the national median$117.50 above the North Carolina median |
| — |
| — |
| Source |
| Replacement Key | $85Above the typical range ($30–$70 nationally) | $40 above the national median$32.50 above the North Carolina median | — | — | Source |
| Safe Deposit Box 3 x 10 | $70Within the typical range ($30–$70 nationally) | $25 above the national median$17.50 above the North Carolina median | — | — | Source |
| Safe Deposit Box 5 x 10 | $95Above the typical range ($30–$70 nationally) | $50 above the national median$42.50 above the North Carolina median | — | — | Source |
| Safe Deposit Box 5 x 5 | $55Within the typical range ($30–$70 nationally) | $10 above the national median$2.50 above the North Carolina median | — | — | Source |
| Legal Processing (Garnishments/Levies) | $125Above the typical range ($30–$87.50 nationally) | $75 above the national median$55 above the North Carolina median | per item | — | Source |
| Medallion Stamp (customer) | $5Within the typical range ($5–$15 nationally) | $5 below the national median$5 below the North Carolina median | per item | — | Source |