The Citizens Bank of Georgia

Headquarters: Cumming, Georgia
Charter: Bank
Assets: $598.5M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 11, 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 $8 · Citizens Checking $10
Compared at $9, the middle of its prices
The Citizens Bank of Georgia: $8 to $10
The Citizens Bank of Georgia: $8 to $10
U.S. median: no median
Overdraft (OD)
The Citizens Bank of Georgia: $35
The Citizens Bank of Georgia: $35
U.S. median: no median
NSF / Returned Item
The Citizens Bank of Georgia: $35
The Citizens Bank of Georgia: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Georgia, 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).
Georgia: Banks and credit unions headquartered in Georgia 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 The Citizens Bank of Georgia’s own schedules, with a source for each figure.

Account Maintenance

Citizens Checking Monthly Maintenance Fee$10
per month
Interest Checking Monthly Maintenance Fee$8
per month
Account Closing Fee (within 90 days of opening)$20
Dormant Account Fee (per month)$5
per month
Account Reconciliation (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Research (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour · Research (per hour) | $25.00
Paper Statement Fee$2

Overdraft & NSF

Overdraft Item Fee (per presentment)$35
per item
Schedule of Miscellaneous Fees Returned Item Fee (per presentment)$35
per item

ATM & Card

Replacement Debit Card$5
per item

Wire Transfers

Domestic Wire Transfer Fee-Outgoing$20
Domestic Wire Transfer Fee--Incoming (audience not stated, treated as personal)$15
International Wire Transfer-Outgoing$45
International Wire Transfer-Incoming$30

Check Services

Cashier's Check per check$7
per item
Stop Payment (per item)$35
per item
Check cashing (non-customer)$5
Not compared: Monthly charge, not per item
per month
Collection Item$15
Photocopy of Check$1

Cash & Deposit

Deposited Item Returned (per item)$10
per item

Account Services

Notary per item (non-customer)$5
per item
Safe Deposit Box Lost Key$25
Not compared: Box drilling or key fee
Garnishment/Levy Fee$50

Gift & Prepaid Cards

Gift Card$2.50

Other Fees

Copy of Debit Card Transaction$12
Interim or Duplicate Statement$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Citizens Checking Monthly Maintenance Fee	$10	per month	None
Interest Checking Monthly Maintenance Fee	$8	per month	None
Account Closing Fee (within 90 days of opening)	$20	Not stated	None
Dormant Account Fee (per month)	$5	per month	None
Account Reconciliation (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Research (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	Research (per hour) \| $25.00
Paper Statement Fee	$2	Not stated	None
Overdraft & NSF
Overdraft Item Fee (per presentment)	$35	per item	None
Schedule of Miscellaneous Fees Returned Item Fee (per presentment)	$35	per item	None
ATM & Card
Replacement Debit Card	$5	per item	None
Wire Transfers
Domestic Wire Transfer Fee-Outgoing	$20	Not stated	None
Domestic Wire Transfer Fee--Incoming (audience not stated, treated as personal)	$15	Not stated	None
International Wire Transfer-Outgoing	$45	Not stated	None
International Wire Transfer-Incoming	$30	Not stated	None
Check Services
Cashier's Check per check	$7	per item	None
Stop Payment (per item)	$35	per item	None
Check cashing (non-customer)	$5Not compared: Monthly charge, not per item	per month	None
Collection Item	$15	Not stated	None
Photocopy of Check	$1	Not stated	None
Cash & Deposit
Deposited Item Returned (per item)	$10	per item	None
Account Services
Notary per item (non-customer)	$5	per item	None
Safe Deposit Box Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Garnishment/Levy Fee	$50	Not stated	None
Gift & Prepaid Cards
Gift Card	$2.50	Not stated	None
Other Fees
Copy of Debit Card Transaction	$12	Not stated	None
Interim or Duplicate Statement	$5	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

Oct 11, 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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