Lumbee Guaranty Bank

Headquarters: Pembroke, North Carolina
Charter: Bank
Assets: $583.5M
Fed district: Richmond

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

Source: its fee schedule, read Nov 3, 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)
Lumbee Guaranty Bank: $35
Lumbee Guaranty Bank: $35
U.S. median: no median
NSF / Returned Item
Lumbee Guaranty Bank: $35
Lumbee Guaranty Bank: $35
U.S. median: no median
Non-Network ATM
Lumbee Guaranty Bank: $2
Lumbee Guaranty Bank: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 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 Lumbee Guaranty Bank’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closure$25
Dormant Account Fee$3
per month
Escheat Fee Per Remittance$10
Customer Account Balancing Waive first time$10

Overdraft & NSF

Overdraft/Return Item Fee$35
Overdraft/Return Item Fee$35

ATM & Card

Foreign ATM Withdrawal Fee$2
ATM / Debit Card Replacement Fee$3

Check Services

Cashier Checks: Customer$6
Money Orders: Customer$3
Stop Payment: In Branch$32
Stop Payment: In Branch$32
Stop Payment: Online$26
Counter Checks$0.50
Check Images With Statement$5
Check Images With Statement$5

Digital & Electronic

Bill PaymentNo charge

Cash & Deposit

Chargebacks Per Item$5
per item

Account Services

Notary Fees (Non-Customers)$5
3x10x24: Customer$42
3x10x24: Non-Customer$57
3x10x24**: Customer$42
3x10x24**: Non-Customer$57
3x5x24: Customer$37
per year
3x5x24: Non-Customer$42
3x5x24**: Customer$37
per year
3x5x24**: Non-Customer$42
5x10x24: Customer$52
5x10x24: Non-Customer$67
5x10x24**: Customer$52
5x10x24**: Non-Customer$67
7x10x24: Customer$62
7x10x24: Non-Customer$82
7x10x24**: Customer$62
7x10x24**: Non-Customer$82
Levy / Garnishment$75

Lending Fees

Late Fee After 60 Days$10
Late Fee After 90 Days$15

Gift & Prepaid Cards

Gift Cards$3.50

Other Fees

Copies Of Statement/Statement Printout$3
Copies Of Statement/Statement Printout$3
Not compared: Charged per statement; comparison unavailable
per statement · Copies Of Statement/Statement Printout $3/Statement
Statement Copy$3
Statement Print-out (2 free per month)$1
Statement Print-out (2 free per month)$1
Statement Research Copy$1

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure	$25	Not stated	None
Dormant Account Fee	$3	per month	None
Escheat Fee Per Remittance	$10	Not stated	None
Customer Account Balancing Waive first time	$10	Not stated	None
Overdraft & NSF
Overdraft/Return Item Fee	$35	Not stated	None
Overdraft/Return Item Fee	$35	Not stated	None
ATM & Card
Foreign ATM Withdrawal Fee	$2	Not stated	None
ATM / Debit Card Replacement Fee	$3	Not stated	None
Check Services
Cashier Checks: Customer	$6	Not stated	None
Money Orders: Customer	$3	Not stated	None
Stop Payment: In Branch	$32	Not stated	None
Stop Payment: In Branch	$32	Not stated	None
Stop Payment: Online	$26	Not stated	None
Counter Checks	$0.50	Not stated	None
Check Images With Statement	$5	Not stated	None
Check Images With Statement	$5	Not stated	None
Digital & Electronic
Bill Payment	No charge	Not stated	None
Cash & Deposit
Chargebacks Per Item	$5	per item	None
Account Services
Notary Fees (Non-Customers)	$5	Not stated	None
3x10x24: Customer	$42	Not stated	None
3x10x24: Non-Customer	$57	Not stated	None
3x10x24**: Customer	$42	Not stated	None
3x10x24**: Non-Customer	$57	Not stated	None
3x5x24: Customer	$37	per year	None
3x5x24: Non-Customer	$42	Not stated	None
3x5x24**: Customer	$37	per year	None
3x5x24**: Non-Customer	$42	Not stated	None
5x10x24: Customer	$52	Not stated	None
5x10x24: Non-Customer	$67	Not stated	None
5x10x24**: Customer	$52	Not stated	None
5x10x24**: Non-Customer	$67	Not stated	None
7x10x24: Customer	$62	Not stated	None
7x10x24: Non-Customer	$82	Not stated	None
7x10x24**: Customer	$62	Not stated	None
7x10x24**: Non-Customer	$82	Not stated	None
Levy / Garnishment	$75	Not stated	None
Lending Fees
Late Fee After 60 Days	$10	Not stated	None
Late Fee After 90 Days	$15	Not stated	None
Gift & Prepaid Cards
Gift Cards	$3.50	Not stated	None
Other Fees
Copies Of Statement/Statement Printout	$3	Not stated	None
Copies Of Statement/Statement Printout	$3Not compared: Charged per statement; comparison unavailable	per statement	Copies Of Statement/Statement Printout $3/Statement
Statement Copy	$3	Not stated	None
Statement Print-out (2 free per month)	$1	Not stated	None
Statement Print-out (2 free per month)	$1	Not stated	None
Statement Research Copy	$1	Not stated	None

Overdraft & NSF

Returned Items: Special Instructions (per account)$10

Check Services

Money Orders: Customer$3
Money Orders: Customer$3
In-House Stop Payment$32
Online Stop Payment$26
Stop Payment: In Branch$32
Stop Payment: Online$26
Check Images With Statement$5

Digital & Electronic

ACH Returned Item$3
Online Bill PaymentNo charge

Cash & Deposit

Pick-Up Charge Backs$5
Night Depository Service (per drop)$2

Account Services

3x10x24**: Customer$42
3x10x24**: Non-Customer$57
3x5x24**: Customer$37
per year
3x5x24**: Non-Customer$42
5x10x24**: Customer$52
5x10x24**: Non-Customer$67
7x10x24**: Customer$62
7x10x24**: Non-Customer$82
Levy / Garnishment$75
Levy / Garnishment$75

Lending Fees

Late Fee After 60 Days$10
Late Fee After 90 Days$15

Other Fees

Copies Of Statement/Statement Printout$3
Not compared: Charged per statement; comparison unavailable
per statement · Copies Of Statement/Statement Printout $3/Statement
Statement Copy$3
Statement Print-out (2 free per month)$1
Statement Research Copy$1

Fee	Amount	Basis	Note
Overdraft & NSF
Returned Items: Special Instructions (per account)	$10	Not stated	None
Check Services
Money Orders: Customer	$3	Not stated	None
Money Orders: Customer	$3	Not stated	None
In-House Stop Payment	$32	Not stated	None
Online Stop Payment	$26	Not stated	None
Stop Payment: In Branch	$32	Not stated	None
Stop Payment: Online	$26	Not stated	None
Check Images With Statement	$5	Not stated	None
Digital & Electronic
ACH Returned Item	$3	Not stated	None
Online Bill Payment	No charge	Not stated	None
Cash & Deposit
Pick-Up Charge Backs	$5	Not stated	None
Night Depository Service (per drop)	$2	Not stated	None
Account Services
3x10x24**: Customer	$42	Not stated	None
3x10x24**: Non-Customer	$57	Not stated	None
3x5x24**: Customer	$37	per year	None
3x5x24**: Non-Customer	$42	Not stated	None
5x10x24**: Customer	$52	Not stated	None
5x10x24**: Non-Customer	$67	Not stated	None
7x10x24**: Customer	$62	Not stated	None
7x10x24**: Non-Customer	$82	Not stated	None
Levy / Garnishment	$75	Not stated	None
Levy / Garnishment	$75	Not stated	None
Lending Fees
Late Fee After 60 Days	$10	Not stated	None
Late Fee After 90 Days	$15	Not stated	None
Other Fees
Copies Of Statement/Statement Printout	$3Not compared: Charged per statement; comparison unavailable	per statement	Copies Of Statement/Statement Printout $3/Statement
Statement Copy	$3	Not stated	None
Statement Print-out (2 free per month)	$1	Not stated	None
Statement Research Copy	$1	Not stated	None

Correct a fee source

Nov 3, 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.

Fee change alerts

Get an email when Lumbee Guaranty Bank's early account closure changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Overdraft (OD)
Lumbee Guaranty Bank: $35
Lumbee Guaranty Bank: $35
U.S. median: no median
NSF / Returned Item
Lumbee Guaranty Bank: $35
Lumbee Guaranty Bank: $35
U.S. median: no median
Non-Network ATM
Lumbee Guaranty Bank: $2
Lumbee Guaranty Bank: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

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.

Published fee schedule

Amounts from Lumbee Guaranty Bank’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closure$25
Dormant Account Fee$3
per month
Escheat Fee Per Remittance$10
Customer Account Balancing Waive first time$10

Overdraft & NSF

Overdraft/Return Item Fee$35
Overdraft/Return Item Fee$35

ATM & Card

Foreign ATM Withdrawal Fee$2
ATM / Debit Card Replacement Fee$3

Check Services

Cashier Checks: Customer$6
Money Orders: Customer$3
Stop Payment: In Branch$32
Stop Payment: In Branch$32
Stop Payment: Online$26
Counter Checks$0.50
Check Images With Statement$5
Check Images With Statement$5

Digital & Electronic

Bill PaymentNo charge

Cash & Deposit

Chargebacks Per Item$5
per item

Account Services

Notary Fees (Non-Customers)$5
3x10x24: Customer$42
3x10x24: Non-Customer$57
3x10x24**: Customer$42
3x10x24**: Non-Customer$57
3x5x24: Customer$37
per year
3x5x24: Non-Customer$42
3x5x24**: Customer$37
per year
3x5x24**: Non-Customer$42
5x10x24: Customer$52
5x10x24: Non-Customer$67
5x10x24**: Customer$52
5x10x24**: Non-Customer$67
7x10x24: Customer$62
7x10x24: Non-Customer$82
7x10x24**: Customer$62
7x10x24**: Non-Customer$82
Levy / Garnishment$75

Lending Fees

Late Fee After 60 Days$10
Late Fee After 90 Days$15

Gift & Prepaid Cards

Gift Cards$3.50

Other Fees

Copies Of Statement/Statement Printout$3
Copies Of Statement/Statement Printout$3
Not compared: Charged per statement; comparison unavailable
per statement · Copies Of Statement/Statement Printout $3/Statement
Statement Copy$3
Statement Print-out (2 free per month)$1
Statement Print-out (2 free per month)$1
Statement Research Copy$1

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure	$25	Not stated	None
Dormant Account Fee	$3	per month	None
Escheat Fee Per Remittance	$10	Not stated	None
Customer Account Balancing Waive first time	$10	Not stated	None
Overdraft & NSF
Overdraft/Return Item Fee	$35	Not stated	None
Overdraft/Return Item Fee	$35	Not stated	None
ATM & Card
Foreign ATM Withdrawal Fee	$2	Not stated	None
ATM / Debit Card Replacement Fee	$3	Not stated	None
Check Services
Cashier Checks: Customer	$6	Not stated	None
Money Orders: Customer	$3	Not stated	None
Stop Payment: In Branch	$32	Not stated	None
Stop Payment: In Branch	$32	Not stated	None
Stop Payment: Online	$26	Not stated	None
Counter Checks	$0.50	Not stated	None
Check Images With Statement	$5	Not stated	None
Check Images With Statement	$5	Not stated	None
Digital & Electronic
Bill Payment	No charge	Not stated	None
Cash & Deposit
Chargebacks Per Item	$5	per item	None
Account Services
Notary Fees (Non-Customers)	$5	Not stated	None
3x10x24: Customer	$42	Not stated	None
3x10x24: Non-Customer	$57	Not stated	None
3x10x24**: Customer	$42	Not stated	None
3x10x24**: Non-Customer	$57	Not stated	None
3x5x24: Customer	$37	per year	None
3x5x24: Non-Customer	$42	Not stated	None
3x5x24**: Customer	$37	per year	None
3x5x24**: Non-Customer	$42	Not stated	None
5x10x24: Customer	$52	Not stated	None
5x10x24: Non-Customer	$67	Not stated	None
5x10x24**: Customer	$52	Not stated	None
5x10x24**: Non-Customer	$67	Not stated	None
7x10x24: Customer	$62	Not stated	None
7x10x24: Non-Customer	$82	Not stated	None
7x10x24**: Customer	$62	Not stated	None
7x10x24**: Non-Customer	$82	Not stated	None
Levy / Garnishment	$75	Not stated	None
Lending Fees
Late Fee After 60 Days	$10	Not stated	None
Late Fee After 90 Days	$15	Not stated	None
Gift & Prepaid Cards
Gift Cards	$3.50	Not stated	None
Other Fees
Copies Of Statement/Statement Printout	$3	Not stated	None
Copies Of Statement/Statement Printout	$3Not compared: Charged per statement; comparison unavailable	per statement	Copies Of Statement/Statement Printout $3/Statement
Statement Copy	$3	Not stated	None
Statement Print-out (2 free per month)	$1	Not stated	None
Statement Print-out (2 free per month)	$1	Not stated	None
Statement Research Copy	$1	Not stated	None

Overdraft & NSF

Returned Items: Special Instructions (per account)$10

Check Services

Money Orders: Customer$3
Money Orders: Customer$3
In-House Stop Payment$32
Online Stop Payment$26
Stop Payment: In Branch$32
Stop Payment: Online$26
Check Images With Statement$5

Digital & Electronic

ACH Returned Item$3
Online Bill PaymentNo charge

Cash & Deposit

Pick-Up Charge Backs$5
Night Depository Service (per drop)$2

Account Services

3x10x24**: Customer$42
3x10x24**: Non-Customer$57
3x5x24**: Customer$37
per year
3x5x24**: Non-Customer$42
5x10x24**: Customer$52
5x10x24**: Non-Customer$67
7x10x24**: Customer$62
7x10x24**: Non-Customer$82
Levy / Garnishment$75
Levy / Garnishment$75

Lending Fees

Late Fee After 60 Days$10
Late Fee After 90 Days$15

Other Fees

Copies Of Statement/Statement Printout$3
Not compared: Charged per statement; comparison unavailable
per statement · Copies Of Statement/Statement Printout $3/Statement
Statement Copy$3
Statement Print-out (2 free per month)$1
Statement Research Copy$1

Fee	Amount	Basis	Note
Overdraft & NSF
Returned Items: Special Instructions (per account)	$10	Not stated	None
Check Services
Money Orders: Customer	$3	Not stated	None
Money Orders: Customer	$3	Not stated	None
In-House Stop Payment	$32	Not stated	None
Online Stop Payment	$26	Not stated	None
Stop Payment: In Branch	$32	Not stated	None
Stop Payment: Online	$26	Not stated	None
Check Images With Statement	$5	Not stated	None
Digital & Electronic
ACH Returned Item	$3	Not stated	None
Online Bill Payment	No charge	Not stated	None
Cash & Deposit
Pick-Up Charge Backs	$5	Not stated	None
Night Depository Service (per drop)	$2	Not stated	None
Account Services
3x10x24**: Customer	$42	Not stated	None
3x10x24**: Non-Customer	$57	Not stated	None
3x5x24**: Customer	$37	per year	None
3x5x24**: Non-Customer	$42	Not stated	None
5x10x24**: Customer	$52	Not stated	None
5x10x24**: Non-Customer	$67	Not stated	None
7x10x24**: Customer	$62	Not stated	None
7x10x24**: Non-Customer	$82	Not stated	None
Levy / Garnishment	$75	Not stated	None
Levy / Garnishment	$75	Not stated	None
Lending Fees
Late Fee After 60 Days	$10	Not stated	None
Late Fee After 90 Days	$15	Not stated	None
Other Fees
Copies Of Statement/Statement Printout	$3Not compared: Charged per statement; comparison unavailable	per statement	Copies Of Statement/Statement Printout $3/Statement
Statement Copy	$3	Not stated	None
Statement Print-out (2 free per month)	$1	Not stated	None
Statement Research Copy	$1	Not stated	None

Correct a fee source

Nov 3, 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.