Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community bank, $300M to $1B

Carroll Bank and Trust

Huntingdon, TennesseeBankAtlanta Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Dormant Account ( inactive accounts over 12 months)$5Within the typical range ($5–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #5146. canonical_hint=dormant_account; text_hash=de9b965a6d587f0c018d13b5b313c4d2184341ce332d89eaf242dce7356c0a1d; excerpt="Dormant Account ( inactive accounts over 12 months) | -$5.00 per month for checking accounts with a blanace less than $100.00 -$5.00 per month for savings accounts with a balance l" · Source

Paper Statement$3

At the national median

per month · Knox deterministic extraction from Rosetta artifact #5146. canonical_hint=paper_statement; text_hash=de9b965a6d587f0c018d13b5b313c4d2184341ce332d89eaf242dce7356c0a1d; excerpt="Paper Statement | $3.00 monthly paper statement fee for accounts that maintain an average monthly balance of less than $500" · Source

Overdraft & NSFVerified

Automatic Overdraft Sweep Fee$5Within the typical range ($2.50–$5 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #5146. canonical_hint=od_protection_transfer; text_hash=de9b965a6d587f0c018d13b5b313c4d2184341ce332d89eaf242dce7356c0a1d; excerpt="Automatic Overdraft Sweep Fee | $5.00 per transfer" · Source
Paid Overdraft Item Fee$33Above the typical range ($20–$30 nationally)
$4 above the national median
per item · Knox deterministic extraction from Rosetta artifact #5146. canonical_hint=overdraft; text_hash=de9b965a6d587f0c018d13b5b313c4d2184341ce332d89eaf242dce7356c0a1d; excerpt="Paid Overdraft Item Fee | $33.00 per item" · Source
Returned NSF Item Fee$33Above the typical range ($25–$32 nationally)
$4 above the national median
per item · Knox deterministic extraction from Rosetta artifact #5146. canonical_hint=nsf; text_hash=de9b965a6d587f0c018d13b5b313c4d2184341ce332d89eaf242dce7356c0a1d; excerpt="Returned NSF Item Fee | $33.00 per item" · Source

ATM & CardVerified

If used at any ATM other than MoneyPass Network a$1Within the typical range ($1–$3 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #5146. canonical_hint=atm_non_network; text_hash=de9b965a6d587f0c018d13b5b313c4d2184341ce332d89eaf242dce7356c0a1d; excerpt="If used at any ATM other than MoneyPass Network a $1.00 charge will be applied" · Source

Wire TransfersVerified

Bank Wire | Incoming$10Within the typical range ($7.50–$15 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #5146. canonical_hint=wire_domestic_incoming; text_hash=de9b965a6d587f0c018d13b5b313c4d2184341ce332d89eaf242dce7356c0a1d; excerpt="Bank Wire | Incoming $10.00, Outgoing $20.00, International Outgoing wire $50.00 (not our policy to do for non-customer)" · Source
International Outgoing wire$50Within the typical range ($40–$50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #5146. canonical_hint=wire_intl_outgoing; text_hash=de9b965a6d587f0c018d13b5b313c4d2184341ce332d89eaf242dce7356c0a1d; excerpt="Bank Wire | Incoming $10.00, Outgoing $20.00, International Outgoing wire $50.00 (not our policy to do for non-customer)" · Source

Check ServicesVerified

Cashiers Check$3Within the typical range ($3–$6 nationally)
$2 below the national median
per item · Knox deterministic extraction from Rosetta artifact #5146. canonical_hint=cashiers_check; text_hash=de9b965a6d587f0c018d13b5b313c4d2184341ce332d89eaf242dce7356c0a1d; excerpt="Cashiers Check | $3.00 per check( not our policy to sell to non-customers)" · Source
Stop Payment Fee$20Within the typical range ($20–$30 nationally)
$7 below the national median
Knox deterministic extraction from Rosetta artifact #5146. canonical_hint=stop_payment; text_hash=de9b965a6d587f0c018d13b5b313c4d2184341ce332d89eaf242dce7356c0a1d; excerpt="Stop Payment Fee | $20.00 (No charge for lost or stolen checks)" · Source

Cash & DepositVerified

Night Depository | After hour service available at all locations Lock Bags$15Within the typical range ($5–$20 nationally)
$1.25 above the national median
Knox deterministic extraction from Rosetta artifact #5146. canonical_hint=night_deposit; text_hash=de9b965a6d587f0c018d13b5b313c4d2184341ce332d89eaf242dce7356c0a1d; excerpt="Night Depository | After hour service available at all locations Lock Bags - $15.00 Zipper Bags - $2.00" · Source
Returned Deposited Item$2Below the typical range ($9.75–$25 nationally)
$13 below the national median
Knox deterministic extraction from Rosetta artifact #5146. canonical_hint=deposited_item_return; text_hash=de9b965a6d587f0c018d13b5b313c4d2184341ce332d89eaf242dce7356c0a1d; excerpt="Returned Deposited Item | $2.00 charged back $5.00 picked up" · Source
Zipper Bags$2Below the typical range ($5–$20 nationally)
$11.75 below the national median
Knox deterministic extraction from Rosetta artifact #5146. canonical_hint=night_deposit; text_hash=de9b965a6d587f0c018d13b5b313c4d2184341ce332d89eaf242dce7356c0a1d; excerpt="Night Depository | After hour service available at all locations Lock Bags - $15.00 Zipper Bags - $2.00" · Source

Account ServicesVerified

Safe Deposit Boxes$15Below the typical range ($25–$80 nationally)
$25 below the national median
per year · Knox deterministic extraction from Rosetta artifact #5146. canonical_hint=safe_deposit_box; text_hash=de9b965a6d587f0c018d13b5b313c4d2184341ce332d89eaf242dce7356c0a1d; excerpt="Safe Deposit Boxes | $15.00 & up per year depending upon box size." · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Account ( inactive accounts over 12 months)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #5146. canonical_hint=dormant_account; text_hash=de9b965a6d587f0c018d13b5b313c4d2184341ce332d89eaf242dce7356c0a1d; excerpt="Dormant Account ( inactive accounts over 12 months) \| -$5.00 per month for checking accounts with a blanace less than $100.00 -$5.00 per month for savings accounts with a balance l"	Source
Paper Statement	$3Within the typical range ($2–$5 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #5146. canonical_hint=paper_statement; text_hash=de9b965a6d587f0c018d13b5b313c4d2184341ce332d89eaf242dce7356c0a1d; excerpt="Paper Statement \| $3.00 monthly paper statement fee for accounts that maintain an average monthly balance of less than $500"	Source
Overdraft & NSFVerified
Automatic Overdraft Sweep Fee	$5Within the typical range ($2.50–$5 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #5146. canonical_hint=od_protection_transfer; text_hash=de9b965a6d587f0c018d13b5b313c4d2184341ce332d89eaf242dce7356c0a1d; excerpt="Automatic Overdraft Sweep Fee \| $5.00 per transfer"	Source
Paid Overdraft Item Fee
ATM & CardVerified
If used at any ATM other than MoneyPass Network a	$1Within the typical range ($1–$3 nationally)	$0.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #5146. canonical_hint=atm_non_network; text_hash=de9b965a6d587f0c018d13b5b313c4d2184341ce332d89eaf242dce7356c0a1d; excerpt="If used at any ATM other than MoneyPass Network a $1.00 charge will be applied"	Source
Wire TransfersVerified
Bank Wire \| Incoming	$10Within the typical range ($7.50–$15 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #5146. canonical_hint=wire_domestic_incoming; text_hash=de9b965a6d587f0c018d13b5b313c4d2184341ce332d89eaf242dce7356c0a1d; excerpt="Bank Wire \| Incoming $10.00, Outgoing $20.00, International Outgoing wire $50.00 (not our policy to do for non-customer)"	Source

Check ServicesVerified
Cashiers Check	$3Within the typical range ($3–$6 nationally)	$2 below the national median	per item	Knox deterministic extraction from Rosetta artifact #5146. canonical_hint=cashiers_check; text_hash=de9b965a6d587f0c018d13b5b313c4d2184341ce332d89eaf242dce7356c0a1d; excerpt="Cashiers Check \| $3.00 per check( not our policy to sell to non-customers)"	Source
Stop Payment Fee
Cash & DepositVerified
Night Depository \| After hour service available at all locations Lock Bags	$15Within the typical range ($5–$20 nationally)	$1.25 above the national median	—	Knox deterministic extraction from Rosetta artifact #5146. canonical_hint=night_deposit; text_hash=de9b965a6d587f0c018d13b5b313c4d2184341ce332d89eaf242dce7356c0a1d; excerpt="Night Depository \| After hour service available at all locations Lock Bags - $15.00 Zipper Bags - $2.00"	Source

Account ServicesVerified
Safe Deposit Boxes	$15Below the typical range ($25–$80 nationally)	$25 below the national median	per year	Knox deterministic extraction from Rosetta artifact #5146. canonical_hint=safe_deposit_box; text_hash=de9b965a6d587f0c018d13b5b313c4d2184341ce332d89eaf242dce7356c0a1d; excerpt="Safe Deposit Boxes \| $15.00 & up per year depending upon box size."	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

$33

Overdraft fee: $33

14% above the national median overdraft fee

Total fees: 14 — leaner than most institutions

Verified fees

Under review

Assets

$662.1M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$662.1M

Total deposits

$605.5M

Service charge income

$154K

Fee income ratio

2.1%

Return on assets

1.01%

Branches

Service charge income by quarter

Q2 2026$154K

Q1 2026$146K

Q4 2025$139K

Q3 2025$143K

Financial profile · Pro

Performance from regulator filings

International Outgoing wire

Returned Deposited Item

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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