Continuous Daily Overdraft Fee If an overdrawn account is not brought to a positive balance on the day the overdraft occ$5Within the typical range ($5–$22.50 nationally)
At the national median
per day · Source
Overdraft Fee for Non-Sufficient Funds Overdraft fees apply to overdrafts created by check, in person withdrawals, or ot$30Within the typical range ($25–$32 nationally)
At the national median
Source
Return Fee for Non-Sufficient Funds Return fees apply to overdrafts created by check, in person withdrawals, or other el$30Within the typical range ($25–$31 nationally)
At the national median
per item · Source

ATM & CardVerified

Debit Card Replacement Fee$10Within the typical range ($5–$10 nationally)
At the national median
Source

Wire TransfersVerified

Wire Transfer – Incoming$20Above the typical range ($5–$15 nationally)
$10 above the national median
Source
Wire Transfer – Out of USA$50Above the typical range ($20–$25 nationally)
$25 above the national median
Source
Wire Transfer – Outgoing$25Within the typical range ($20–$25 nationally)
At the national median
Source

Check ServicesVerified

Cashiers Checks$6Above the typical range ($3–$5.50 nationally)
$1 above the national median
Source
Check Cashing (Non-customer)$10Within the typical range ($5–$10 nationally)
$5 above the national median
Source
MONEY ORDERS AND CASHIERS CHECKS$0Below the typical range ($1.75–$3 nationally)
$2 below the national median
Source
Personal Money Orders$4Above the typical range ($1.75–$3 nationally)
$2 above the national median
Source
Stop Payment Orders/Renewals$30Within the typical range ($20–$30 nationally)
$4 above the national median
Source

Cash & DepositVerified

Coin Counting (Non-customer)$10Above the typical range ($0–$5 nationally)
$8 above the national median
Source

Account ServicesVerified

Garnishments and Levies$120Above the typical range ($30–$75 nationally)
$70 above the national median
Source
Notary Service$1Within the typical range ($0–$5 nationally)
$1.50 below the national median
Source

Other FeesVerified

Photocopies (per page)$1Below the typical range ($2–$5 nationally)
$2 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account closed within 6 months of opening	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	—	Source
Dormant Checking Account (Inactive one year)	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	—	Source
Monthly Maintenance Service Charge	$15Above the typical range ($3–$10 nationally)	$9.50 above the national median	per month	—	Source
MONTHLY MAINTENANCE SERVICE CHARGE	$6Within the typical range ($3–$10 nationally)	$0.50 above the national median	per month	—	Source
Monthly maintenance service charge with direct deposit ……………	$8Within the typical range ($3–$10 nationally)	$2.50 above the national median	per month	—	Source
Monthly maintenance service charge without direct deposit …………	$10Within the typical range ($3–$10 nationally)	$4.50 above the national median	per month	—	Source
Quarterly Maintenance Service Charge	$5Within the typical range ($3–$10 nationally)	$0.50 below the national median	—	—	Source
To avoid a Quarterly Maintenance Service Charge of	$5Within the typical range ($3–$10 nationally)	$0.50 below the national median	per month	—	Source
Overdraft & NSFVerified
Continuous Daily Overdraft Fee If an overdrawn account is not brought to a positive balance on the day the overdraft occ	$5Within the typical range ($5–$22.50 nationally)	At the national median	per day	—	Source
Overdraft Fee for Non-Sufficient Funds Overdraft fees apply to overdrafts created by check, in person withdrawals, or ot	$30
ATM & CardVerified
Debit Card Replacement Fee	$10Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Wire TransfersVerified
Wire Transfer – Incoming	$20Above the typical range ($5–$15 nationally)	$10 above the national median	—	—	Source
Wire Transfer – Out of USA	$50
Check ServicesVerified
Cashiers Checks	$6Above the typical range ($3–$5.50 nationally)	$1 above the national median	—	—	Source
Check Cashing (Non-customer)	$10
Cash & DepositVerified
Coin Counting (Non-customer)	$10Above the typical range ($0–$5 nationally)	$8 above the national median	—	—	Source
Account ServicesVerified
Garnishments and Levies	$120Above the typical range ($30–$75 nationally)	$70 above the national median	—	—	Source
Notary Service	$1
Other FeesVerified
Photocopies (per page)	$1Below the typical range ($2–$5 nationally)	$2 below the national median	—	—	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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 24 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$531.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$531.0M

Total deposits

$446.1M

Service charge income

$45K

Fee income ratio

1.4%

Return on assets

-1.22%

Branches

Service charge income by quarter

Q2 2026$45K

Q1 2026$44K

Q4 2025$49K

Q3 2025$48K

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 34,850 published fee entries from 2,498 institutions

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