First Bank

Headquarters: Southern Pines, North Carolina
Charter: Bank
Assets: $13.0B
Fed district: Richmond

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

Source: its fee schedule, read Apr 4, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
First Bank: $36
First Bank: $36
U.S. median: no median
Non-Network ATM
First Bank: $2.50
First Bank: $2.50
U.S. median: no median
Wire Transfer (Domestic Out)
First Bank: $25
First Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Apr 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for North Carolina, the Richmond 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).
North Carolina: Banks and credit unions headquartered in North Carolina that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond 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 First Bank’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account (per month)$6.50
per month
Paper Statements or eStatementsNo charge
per item · Free
Return Mail (per occurrence)$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Fee (OD)$36

ATM & Card

Non-First Bank ATM Usage$2.50
Replace Debit Card (first 2 cards free)$5
Instant Issue (print to the branch)$30
per item
Instant Issue (ship to branch)$50
per item
Debit Card Foreign Transaction Fee (audience not stated, treated as personal)3%of the transaction

Wire Transfers

Outgoing Wire Fee (domestic)$25
Incoming Wire Fee (domestic)$18

Check Services

Official Check (customer)$6
Stop Payments (and Renewals)$35
Counter Checks (per page)$0.50
per item
Check Cashing$10

Digital & Electronic

Online Bill PaymentNo charge
Not compared: Per-occurrence charge, not monthly
per item · Free

Cash & Deposit

Credit Line Cash Advance Fee$10

Account Services

Debit Card: Notary Service$5
Drilling$170
Not compared: Box drilling or key fee
Replacement Key$85
Not compared: Box drilling or key fee
Safe Deposit Box 3 x 10$70
Safe Deposit Box 5 x 10$95
Safe Deposit Box 5 x 5$55
Legal Processing (Garnishments/Levies)$125
per item

Retirement & IRA

IRA Transfer (outgoing)$50
per item
IRA Transfer Fee (outgoing)$50

Gift & Prepaid Cards

Gift Cards – instant issue$4.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account (per month)	$6.50	per month	None
Paper Statements or eStatements	No charge	per item	Free
Return Mail (per occurrence)	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft Fee (OD)	$36	Not stated	None
ATM & Card
Non-First Bank ATM Usage	$2.50	Not stated	None
Replace Debit Card (first 2 cards free)	$5	Not stated	None
Instant Issue (print to the branch)	$30	per item	None
Instant Issue (ship to branch)	$50	per item	None
Debit Card Foreign Transaction Fee (audience not stated, treated as personal)	3%of the transaction	Not stated	None
Wire Transfers
Outgoing Wire Fee (domestic)	$25	Not stated	None
Incoming Wire Fee (domestic)	$18	Not stated	None
Check Services
Official Check (customer)	$6	Not stated	None
Stop Payments (and Renewals)	$35	Not stated	None
Counter Checks (per page)	$0.50	per item	None
Check Cashing	$10	Not stated	None
Digital & Electronic
Online Bill Payment	No chargeNot compared: Per-occurrence charge, not monthly	per item	Free
Cash & Deposit
Credit Line Cash Advance Fee	$10	Not stated	None
Account Services
Debit Card: Notary Service	$5	Not stated	None
Drilling	$170Not compared: Box drilling or key fee	Not stated	None
Replacement Key	$85Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 3 x 10	$70	Not stated	None
Safe Deposit Box 5 x 10	$95	Not stated	None
Safe Deposit Box 5 x 5	$55	Not stated	None
Legal Processing (Garnishments/Levies)	$125	per item	None
Retirement & IRA
IRA Transfer (outgoing)	$50	per item	None
IRA Transfer Fee (outgoing)	$50	Not stated	None
Gift & Prepaid Cards
Gift Cards – instant issue	$4.50	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Apr 4, 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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