Fees published

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

Community bank, $300M to $1B

The Citizens Bank of Georgia

Cumming, GeorgiaBankAtlanta Fed districtFees collected Oct 3, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Closing Fee (within 90 days of opening)$20Within the typical range ($10–$25 nationally)

Overdraft & NSFVerified

Overdraft Item Fee (per presentment)$35Above the typical range ($25–$32 nationally)
$5 above the national median
per item · Source
Schedule of Miscellaneous Fees Returned Item Fee (per presentment)$35Above the typical range ($25–$31.50 nationally)
$5 above the national median
per item · Source

Check ServicesVerified

Cashier's Check per check$7Above the typical range ($3–$5.50 nationally)
$2 above the national median
per month · Source
Check cashing (non-customer)$5Within the typical range ($5–$10 nationally)
At the national median
per month · Source
Photocopy of Check$1Below the typical range ($2–$5 nationally)
$2 below the national median
Source
Stop Payment (per item)$35Above the typical range ($20–$30 nationally)
$9 above the national median
per item · Source

Account ServicesVerified

Garnishment/Levy Fee$50Within the typical range ($30–$75 nationally)
At the national median
Source
Notary per item (non-customer)$5Within the typical range ($0–$5 nationally)
$2.50 above the national median
per item · Source
Safe Deposit Box Lost Key$25Within the typical range ($25–$80 nationally)
$20 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Closing Fee (within 90 days of opening)	$20Within the typical range ($10–$25 nationally)	$5 above the national median	—	—	Source
Account Reconciliation (per hour)	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Dormant Account Fee (per month)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Paper Statement Fee	$2Within the typical range ($2–$4.50 nationally)	$1 below the national median	—	—	Source
Overdraft & NSFVerified
Overdraft Item Fee (per presentment)	$35Above the typical range ($25–$32 nationally)	$5 above the national median	per item	—	Source
Schedule of Miscellaneous Fees Returned Item Fee (per presentment)	$35
ATM & CardVerified
Replacement Debit Card	$5Within the typical range ($5–$10 nationally)	$5 below the national median	per item	—	Source
Wire TransfersVerified
Domestic Wire Transfer Fee-Outgoing	$20Within the typical range ($20–$25 nationally)	$5 below the national median	—	—	Source
Check ServicesVerified
Cashier's Check per check	$7Above the typical range ($3–$5.50 nationally)	$2 above the national median	per month	—	Source
Check cashing (non-customer)	$5
Cash & DepositVerified
Deposited Item Returned (per item)	$10Within the typical range ($10–$25 nationally)	$5 below the national median	per month	—	Source
Account ServicesVerified
Garnishment/Levy Fee	$50Within the typical range ($30–$75 nationally)	At the national median	—	—	Source
Notary per item (non-customer)	$5
Gift & Prepaid CardsVerified
Gift Card	$2.50Below the typical range ($3–$4.50 nationally)	$1 below the national median	—	—	Source
Other FeesVerified
Interim or Duplicate Statement	$5Within the typical range ($2–$5 nationally)	$2 above the national median	per item	—	Source

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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

$35

Overdraft fee: $35

17% above the national median overdraft fee

Total fees: 18 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$598.5M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$598.5M

Total deposits

$531.3M

Service charge income

$45K

Fee income ratio

0.70%

Return on assets

1.91%

Branches

Service charge income by quarter

Q2 2026$45K

Q1 2026$41K

Q4 2025$38K

Q3 2025$36K

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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Based on 37,892 published fee entries from 2,651 institutions

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