vs. U.S. typical range:LowerTypicalHigher
$5 above the national median$3 above the Kentucky median
per month · Source
$7.50 above the national median$10 above the Kentucky median
$3.50 below the national median$3.50 below the Kentucky median
per item · Source
$3.50 below the national median$3.50 below the Kentucky median
per item · Source
$1 above the national median$1 above the Kentucky median
per day · Source
At the national median$0.50 above the Kentucky median
$2 above the national median$2 above the Kentucky median
$5 below the national medianAt the Kentucky median
At the national medianAt the Kentucky median
$3 below the national median$3 below the Kentucky median
$2.50 below the national median$3.48 below the Kentucky median
$22.50 above the national median$21.52 above the Kentucky median
$1 below the national median$1 below the Kentucky median
$2.50 below the national medianAt the Kentucky median
$2.50 below the national medianAt the Kentucky median
$5 above the national median$6.50 above the Kentucky median
per year · Source
$21 below the national median$19.50 below the Kentucky median
per year · Source
$33 below the national median$31.50 below the Kentucky median
per year · Source
$15 below the national median$13.50 below the Kentucky median
per year · Source
$30 below the national median$28.50 below the Kentucky median
per year · Source
$35 below the national median$33.50 below the Kentucky median
$25 above the national medianAt the Kentucky median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Dormant Fee (Checking Accounts Only, Monthly Fee) | $10Within the typical range ($5–$10 nationally) | $5 above the national median$3 above the Kentucky median | per month | — | Source |
| Account Record Research Fee; research charge (per hour-one hour minimum; this fee is in addition to the per item charge) | $25Within the typical range ($12–$25 nationally) | $7.50 above the national median$10 above the Kentucky median | — | — | Source |
Overdraft & NSFVerified | |||||
| Overdraft Item Charge (per item) | $26.50Within the typical range ($25–$33 nationally) | $3.50 below the national median$3.50 below the Kentucky median | per item | — | Source |
| Return Item Charge (per item) | $26.50 | ||||
ATM & CardVerified | |||||
| ATM Service Charge (transactions not at West Point Bank or affiliates) | $1.50Within the typical range ($1–$2.25 nationally) | At the national median$0.50 above the Kentucky median | — | — | Source |
| ATM/Debit Card Replacement Fee | $12 | ||||
Wire TransfersVerified | |||||
| Wire Transfer Fee Outgoing- Domestic (Customer Only) | $20Within the typical range ($20–$25 nationally) | $5 below the national medianAt the Kentucky median | — | — | Source |
| Wire Transfer Fee Outgoing- International (Customer Only) | $50 | ||||
Check ServicesVerified | |||||
| Cashier's Check - (Customer Only) | $2Below the typical range ($3–$6 nationally) | $3 below the national median$3 below the Kentucky median | — | — | Source |
| Stop Payment Charge (if amount, payee and check number given) | $25 | ||||
Digital & ElectronicVerified | |||||
| Online Banking and Bill Payment | $0Within the typical range ($0–$9.95 nationally) | $2.50 below the national medianAt the Kentucky median | — | — | Source |
Account ServicesVerified | |||||
| Notary Service | $0Within the typical range ($0–$5 nationally) | $2.50 below the national medianAt the Kentucky median | — | — | Source |
| Safe Deposit Box fee (annually) 10X10 | $50 | ||||
Fee change alerts
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Headline fees vs. national median
Overdraft
$26.50
Headline fees published
8 of 15
Published fees
22
Under review
0
Assets
$560.6M
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Financial Context
Financials as of Q2 2026 · FDIC call report
Total assets
$560.6M
Total deposits
$475.7M
Service charge income
$57K
Fee income ratio
1.3%
Return on assets
0.95%
Branches
5
Service charge income by quarter
Financial profile · Pro
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| $3.50 below the national median$3.50 below the Kentucky median |
| per item |
| — |
| Source |
| Daily Overdraft Charge; (All Checking Accounts) | $6Within the typical range ($5–$15 nationally) | $1 above the national median$1 above the Kentucky median | per day | — | Source |
| $2 above the national median$2 above the Kentucky median |
| — |
| — |
| Source |
| At the national medianAt the Kentucky median |
| — |
| — |
| Source |
| $2.50 below the national median$3.48 below the Kentucky median |
| — |
| — |
| Source |
| Stop Payment Charge (incomplete information) | $50Above the typical range ($20–$30 nationally) | $22.50 above the national median$21.52 above the Kentucky median | — | — | Source |
| Counter Check Fee (Per Printed Page) | $1Within the typical range ($1–$4 nationally) | $1 below the national median$1 below the Kentucky median | — | — | Source |
| $5 above the national median$6.50 above the Kentucky median |
| per year |
| — |
| Source |
| Safe Deposit Box fee (annually) 3X10 | $24Below the typical range ($30–$70 nationally) | $21 below the national median$19.50 below the Kentucky median | per year | — | Source |
| Safe Deposit Box fee (annually) 3X5 | $12Below the typical range ($30–$70 nationally) | $33 below the national median$31.50 below the Kentucky median | per year | — | Source |
| Safe Deposit Box fee (annually) 5X10 | $30Within the typical range ($30–$70 nationally) | $15 below the national median$13.50 below the Kentucky median | per year | — | Source |
| Safe Deposit Box fee (annually) 5X5 | $15Below the typical range ($30–$70 nationally) | $30 below the national median$28.50 below the Kentucky median | per year | — | Source |
| Safe Deposit Box/Self-Storage Box; Lost Key(1) | $10Below the typical range ($30–$70 nationally) | $35 below the national median$33.50 below the Kentucky median | — | — | Source |
| Tax Levy/Garnishment Fee (amount determined by levy/garnishment- maximum of $75.00) | $75Within the typical range ($30–$90 nationally) | $25 above the national medianAt the Kentucky median | — | — | Source |