Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, $300M to $1B

Merchants Commercial Bank

St Thomas, Virgin IslandsBankNew York Fed districtFees collected Oct 5, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Closed (within 90 days)$25Within the typical range ($10–$25 nationally)

Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=early_closure; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Account Closed (within 90 days) $25.00" · Source

Account Research/Checkbook Reconcilement (per hour/one hour minimum)$65

$40 above the national median

Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=account_research; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Account Research/Checkbook Reconcilement (per hour/one hour minimum) $65.00**" · Source

Dormant/Inactivity Fee after 12 months of no activity (per month) - In addition$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=dormant_account; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Dormant/Inactivity Fee after 12 months of no activity (per month) - In addition | $5.00" · Source

Overdraft & NSFVerified

1st Continuous/Recurring Overdraft Charge (starting on second business day)$5Within the typical range ($5–$25 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=continuous_od; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="1st Continuous/Recurring Overdraft Charge (starting on second business day) $5.00" · Source
An overdraft fee of$40Above the typical range ($25–$31 nationally)
$10 above the national median
per item · Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=overdraft; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="An overdraft fee of $40.00 will be charged per item for covering overdrafts created by check or draft, in-person withdrawal, ATM withdrawal, or" · Source
Returned/Non-Sufficient Funds (NSF) fee (per item). This fee applies to$40Above the typical range ($25–$31 nationally)
$10 above the national median
per item · Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=nsf; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Returned/Non-Sufficient Funds (NSF) fee (per item). This fee applies to | $40.00" · Source

ATM & CardVerified

Visa Debit Card PIN Mailer Rush$50Within the typical range ($30–$50 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=rush_card; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Visa Debit Card PIN Mailer Rush $50.00" · Source
Visa Debit Card Replacement$15Above the typical range ($5–$10 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=card_replacement; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Visa Debit Card Replacement $15.00 **" · Source

Wire TransfersVerified

Wire Transfer - Incoming$0Below the typical range ($5–$15 nationally)
$10 below the national median
Knox read a free fee from Rosetta artifact #10756. canonical_hint=wire_domestic_incoming; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Wire Transfer - Incoming $0.00" · Source
Wire Transfer - Outgoing Domestic (per transfer)$30Above the typical range ($20–$25 nationally)
$8 above the national median
Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=wire_domestic_outgoing; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Wire Transfer - Outgoing Domestic (per transfer) $30.00" · Source
Wire Transfer - Outgoing International (per transfer)$60Above the typical range ($40–$50 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=wire_intl_outgoing; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Wire Transfer - Outgoing International (per transfer) $60.00" · Source
Wire Transfer - Outgoing Originated on Website - Domestic (per transfer) with dual$15Below the typical range ($20–$25 nationally)
$7 below the national median
Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=wire_domestic_outgoing; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Wire Transfer - Outgoing Originated on Website - Domestic (per transfer) with dual | $15.00" · Source

Check ServicesVerified

Cashier's Check Fees - Client$10Above the typical range ($3–$6 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=cashiers_check; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Cashier's Check Fees - Client $10.00" · Source
Cashier's Check Fees - Non-Client$25Above the typical range ($3–$6 nationally)
$20 above the national median
Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=cashiers_check; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Cashier's Check Fees - Non-Client $25.00" · Source
Copy of Item - check, deposit slip, deposited item (per item)$3Within the typical range ($2–$5 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=check_image; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Copy of Item - check, deposit slip, deposited item (per item) $3.00" · Source
Stop Payment Order/Renewal - Check or ACH (per occurrence)$35Above the typical range ($20–$30 nationally)
$9.50 above the national median
Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=stop_payment; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Stop Payment Order/Renewal - Check or ACH (per occurrence) $35.00" · Source
Temporary Checks (per page of 4)$8Above the typical range ($1–$4 nationally)
$6 above the national median
Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=counter_check; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Temporary Checks (per page of 4) $8.00" · Source

Digital & ElectronicVerified

Person to Person Payment (Zelle)$0Within the typical range ($0–$0.50 nationally)
At the national median
Knox read a free fee from Rosetta artifact #10756. canonical_hint=zelle_fee; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Person to Person Payment (Zelle) $0.00 **" · Source

Cash & DepositVerified

Night Deposit Key Replacement$20Within the typical range ($5–$20 nationally)
$7.50 above the national median
Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=night_deposit; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Night Deposit Key Replacement $20.00 **" · Source

Account ServicesVerified

Garnishment/Tax Levy$150Above the typical range ($30–$75 nationally)
$100 above the national median
Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=garnishment_levy; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Garnishment/Tax Levy $150.00 **" · Source
Safe Deposit Box Annual Rent - 3 x 5$125Above the typical range ($25–$77.50 nationally)
$80 above the national median
per year · Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=safe_deposit_box; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Safe Deposit Box Annual Rent - 3 x 5 $125.00" · Source
Safe Deposit Box Annual Rent - 5 x 5$250Above the typical range ($25–$77.50 nationally)
$205 above the national median
per year · Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=safe_deposit_box; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Safe Deposit Box Annual Rent - 5 x 5 $250.00" · Source
Safe Deposit Box Drilling (plus cost of drilling)$300Above the typical range ($25–$77.50 nationally)
$255 above the national median
Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=safe_deposit_box; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Safe Deposit Box Drilling (plus cost of drilling) $300.00 **" · Source
Safe Deposit Replace Lost Key$75Within the typical range ($25–$77.50 nationally)
$30 above the national median
Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=safe_deposit_box; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Safe Deposit Replace Lost Key $75.00 **" · Source

Other FeesVerified

Photocopies (per page)$1Below the typical range ($2–$5 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=document_reproduction; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Photocopies (per page) $1.00" · Source
Statement Reprint (per statement within last 12 months; older than 12 months add$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=document_reproduction; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Statement Reprint (per statement within last 12 months; older than 12 months add | $5.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Closed (within 90 days)	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=early_closure; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Account Closed (within 90 days) $25.00"	Source
Account Research/Checkbook Reconcilement (per hour/one hour minimum)	$65Above the typical range ($17.50–$25 nationally)	$40 above the national median	—	Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=account_research; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Account Research/Checkbook Reconcilement (per hour/one hour minimum) $65.00**"	Source
Dormant/Inactivity Fee after 12 months of no activity (per month) - In addition	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=dormant_account; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Dormant/Inactivity Fee after 12 months of no activity (per month) - In addition \| $5.00"	Source
Overdraft & NSFVerified
1st Continuous/Recurring Overdraft Charge (starting on second business day)	$5Within the typical range ($5–$25 nationally)	$1 below the national median	—	Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=continuous_od; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="1st Continuous/Recurring Overdraft Charge (starting on second business day) $5.00"	Source

ATM & CardVerified
Visa Debit Card PIN Mailer Rush	$50Within the typical range ($30–$50 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=rush_card; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Visa Debit Card PIN Mailer Rush $50.00"	Source
Visa Debit Card Replacement	$15
Wire TransfersVerified
Wire Transfer - Incoming	$0Below the typical range ($5–$15 nationally)	$10 below the national median	—	Knox read a free fee from Rosetta artifact #10756. canonical_hint=wire_domestic_incoming; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Wire Transfer - Incoming $0.00"	Source
Wire Transfer - Outgoing Domestic (per transfer)
Check ServicesVerified
Cashier's Check Fees - Client	$10Above the typical range ($3–$6 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=cashiers_check; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Cashier's Check Fees - Client $10.00"	Source
Cashier's Check Fees - Non-Client
Digital & ElectronicVerified
Person to Person Payment (Zelle)	$0Within the typical range ($0–$0.50 nationally)	At the national median	—	Knox read a free fee from Rosetta artifact #10756. canonical_hint=zelle_fee; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Person to Person Payment (Zelle) $0.00 **"	Source
Cash & DepositVerified
Night Deposit Key Replacement	$20Within the typical range ($5–$20 nationally)	$7.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=night_deposit; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Night Deposit Key Replacement $20.00 **"	Source
Account ServicesVerified
Garnishment/Tax Levy	$150Above the typical range ($30–$75 nationally)	$100 above the national median	—	Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=garnishment_levy; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Garnishment/Tax Levy $150.00 **"	Source
Safe Deposit Box Annual Rent - 3 x 5
Other FeesVerified
Photocopies (per page)	$1Below the typical range ($2–$5 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #10756. canonical_hint=document_reproduction; text_hash=41ccbfb01d6e3648807ca594967f1eefc1377dfe1fdfe1c27812ed74e588d95d; excerpt="Photocopies (per page) $1.00"	Source
Statement Reprint (per statement within last 12 months; older than 12 months add

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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

$40

Overdraft fee: $40

33% above the national median overdraft fee

Total fees: 26

Headline fees published

8 of 15

Published fees

Under review

Assets

$506.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$506.0M

Total deposits

$393.7M

Service charge income

$259K

Fee income ratio

5.3%

Return on assets

1.88%

Branches

Service charge income by quarter

Q2 2026$259K

Q1 2026$253K

Q4 2025$238K

Q3 2025$231K

Financial profile · Pro

Performance from regulator filings

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

Unlock all 61 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 28,880 verified fees from 2,290 institutions

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