First State Bank

Headquarters: Wrens, Georgia
Charter: Bank
Assets: $512.7M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 22, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
First State Bank: $5
First State Bank: $5
U.S. median: no median
NSF / Returned Item
First State Bank: $33
First State Bank: $33
U.S. median: no median
Non-Network ATM
First State Bank: $2
First State Bank: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 22, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Georgia, the Atlanta 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).
Georgia: Banks and credit unions headquartered in Georgia that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 First State Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance (audience not stated, treated as personal)$5
Dormant Account Fee (or maximum allowed by law) per month up to 12 months$5
per month
Savings Account Excessive withdrawal fee after two free$5

Overdraft & NSF

NSF check charge- A charge for either paying or returning an item such as check$33

ATM & Card

ATM Service Charge for each withdrawal made from an ATM other than First State$2
per item
Replacement Cost of Lost Mastercard Check Card$10

Check Services

Cashiers Checks$5
per item
Stop Payments Fee$33
Encoded Counter Checks per 12 checks$5
Foreign Collection Items (Incoming or Outgoing) per item$100
per item
Check images$0.50
per item

Cash & Deposit

Returned Deposited Items$6
Night Deposit Servce (per bag per month)$3
Not compared: Monthly charge, not per item
per month

Account Services

Safe Deposit Box 10X10$65
per year
Safe Deposit Box 10X10 (audience not stated, treated as personal)$65
Safe Deposit Box 3X10$35
per year
Safe Deposit Box 3X10 (audience not stated, treated as personal)$35
Safe Deposit Box 3X5$20
per year
Safe Deposit Box 3X5 (audience not stated, treated as personal)$20
per year
Safe Deposit Box 4X5$25
per year
Safe Deposit Box 4X5 (audience not stated, treated as personal)$25
Safe Deposit Box 5X10$45
per year
Safe Deposit Box 5X10 (audience not stated, treated as personal)$45
Safe Deposit Box 5X5$30
per year
Safe Deposit Box 5X5 (audience not stated, treated as personal)$30
Safe Deposit Box 5X8$35
per year
Safe Deposit Box 5X8 (audience not stated, treated as personal)$35
Safe Deposit Box 6X10$50
per year
Safe Deposit Box 6X10 (audience not stated, treated as personal)$50

Other Fees

Photocopies$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance (audience not stated, treated as personal)	$5	Not stated	None
Dormant Account Fee (or maximum allowed by law) per month up to 12 months	$5	per month	None
Savings Account Excessive withdrawal fee after two free	$5	Not stated	None
Overdraft & NSF
NSF check charge- A charge for either paying or returning an item such as check	$33	Not stated	None
ATM & Card
ATM Service Charge for each withdrawal made from an ATM other than First State	$2	per item	None
Replacement Cost of Lost Mastercard Check Card	$10	Not stated	None
Check Services
Cashiers Checks	$5	per item	None
Stop Payments Fee	$33	Not stated	None
Encoded Counter Checks per 12 checks	$5	Not stated	None
Foreign Collection Items (Incoming or Outgoing) per item	$100	per item	None
Check images	$0.50	per item	None
Cash & Deposit
Returned Deposited Items	$6	Not stated	None
Night Deposit Servce (per bag per month)	$3Not compared: Monthly charge, not per item	per month	None
Account Services
Safe Deposit Box 10X10	$65	per year	None
Safe Deposit Box 10X10 (audience not stated, treated as personal)	$65	Not stated	None
Safe Deposit Box 3X10	$35	per year	None
Safe Deposit Box 3X10 (audience not stated, treated as personal)	$35	Not stated	None
Safe Deposit Box 3X5	$20	per year	None
Safe Deposit Box 3X5 (audience not stated, treated as personal)	$20	per year	None
Safe Deposit Box 4X5	$25	per year	None
Safe Deposit Box 4X5 (audience not stated, treated as personal)	$25	Not stated	None
Safe Deposit Box 5X10	$45	per year	None
Safe Deposit Box 5X10 (audience not stated, treated as personal)	$45	Not stated	None
Safe Deposit Box 5X5	$30	per year	None
Safe Deposit Box 5X5 (audience not stated, treated as personal)	$30	Not stated	None
Safe Deposit Box 5X8	$35	per year	None
Safe Deposit Box 5X8 (audience not stated, treated as personal)	$35	Not stated	None
Safe Deposit Box 6X10	$50	per year	None
Safe Deposit Box 6X10 (audience not stated, treated as personal)	$50	Not stated	None
Other Fees
Photocopies	$1	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Dormant Account Fee (or maximum allowed by law) per month up to 12 months$5
per month
Savings Account Excessive withdrawal fee after two free$5

Overdraft & NSF

NSF check charge- A charge for either paying or returning an item such as check$33

ATM & Card

ATM Service Charge for each withdrawal made from an ATM other than First State$2
per item
Replacement Cost of Lost Mastercard Check Card$10

Check Services

Cashiers Checks$5
per item
Stop Payments Fee$33
Encoded Counter Checks per 12 checks$5
Foreign Collection Items (Incoming or Outgoing) per item$100
per item
Check images$0.50
per item

Digital & Electronic

Business ACH Origination monthly fee$25
Not compared: Monthly charge, not per item
per month

Cash & Deposit

Returned Deposited Items$6
Night Deposit Servce (per bag per month)$3
Not compared: Monthly charge, not per item
per month

Account Services

Safe Deposit Box 10X10$65
per year
Safe Deposit Box 3X10$35
per year
Safe Deposit Box 3X5$20
per year
Safe Deposit Box 4X5$25
per year
Safe Deposit Box 5X10$45
per year
Safe Deposit Box 5X5$30
per year
Safe Deposit Box 5X8$35
per year
Safe Deposit Box 6X10$50
per year

Other Fees

Photocopies$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee (or maximum allowed by law) per month up to 12 months	$5	per month	None
Savings Account Excessive withdrawal fee after two free	$5	Not stated	None
Overdraft & NSF
NSF check charge- A charge for either paying or returning an item such as check	$33	Not stated	None
ATM & Card
ATM Service Charge for each withdrawal made from an ATM other than First State	$2	per item	None
Replacement Cost of Lost Mastercard Check Card	$10	Not stated	None
Check Services
Cashiers Checks	$5	per item	None
Stop Payments Fee	$33	Not stated	None
Encoded Counter Checks per 12 checks	$5	Not stated	None
Foreign Collection Items (Incoming or Outgoing) per item	$100	per item	None
Check images	$0.50	per item	None
Digital & Electronic
Business ACH Origination monthly fee	$25Not compared: Monthly charge, not per item	per month	None
Cash & Deposit
Returned Deposited Items	$6	Not stated	None
Night Deposit Servce (per bag per month)	$3Not compared: Monthly charge, not per item	per month	None
Account Services
Safe Deposit Box 10X10	$65	per year	None
Safe Deposit Box 3X10	$35	per year	None
Safe Deposit Box 3X5	$20	per year	None
Safe Deposit Box 4X5	$25	per year	None
Safe Deposit Box 5X10	$45	per year	None
Safe Deposit Box 5X5	$30	per year	None
Safe Deposit Box 5X8	$35	per year	None
Safe Deposit Box 6X10	$50	per year	None
Other Fees
Photocopies	$1	per item	None

Correct a fee source

Oct 22, 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 First State 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.

Monthly Maintenance
First State Bank: $5
First State Bank: $5
U.S. median: no median
NSF / Returned Item
First State Bank: $33
First State Bank: $33
U.S. median: no median
Non-Network ATM
First State Bank: $2
First State Bank: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 22, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Georgia, the Atlanta 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).
Georgia: Banks and credit unions headquartered in Georgia that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 First State Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance (audience not stated, treated as personal)$5
Dormant Account Fee (or maximum allowed by law) per month up to 12 months$5
per month
Savings Account Excessive withdrawal fee after two free$5

Overdraft & NSF

NSF check charge- A charge for either paying or returning an item such as check$33

ATM & Card

ATM Service Charge for each withdrawal made from an ATM other than First State$2
per item
Replacement Cost of Lost Mastercard Check Card$10

Check Services

Cashiers Checks$5
per item
Stop Payments Fee$33
Encoded Counter Checks per 12 checks$5
Foreign Collection Items (Incoming or Outgoing) per item$100
per item
Check images$0.50
per item

Cash & Deposit

Returned Deposited Items$6
Night Deposit Servce (per bag per month)$3
Not compared: Monthly charge, not per item
per month

Account Services

Safe Deposit Box 10X10$65
per year
Safe Deposit Box 10X10 (audience not stated, treated as personal)$65
Safe Deposit Box 3X10$35
per year
Safe Deposit Box 3X10 (audience not stated, treated as personal)$35
Safe Deposit Box 3X5$20
per year
Safe Deposit Box 3X5 (audience not stated, treated as personal)$20
per year
Safe Deposit Box 4X5$25
per year
Safe Deposit Box 4X5 (audience not stated, treated as personal)$25
Safe Deposit Box 5X10$45
per year
Safe Deposit Box 5X10 (audience not stated, treated as personal)$45
Safe Deposit Box 5X5$30
per year
Safe Deposit Box 5X5 (audience not stated, treated as personal)$30
Safe Deposit Box 5X8$35
per year
Safe Deposit Box 5X8 (audience not stated, treated as personal)$35
Safe Deposit Box 6X10$50
per year
Safe Deposit Box 6X10 (audience not stated, treated as personal)$50

Other Fees

Photocopies$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance (audience not stated, treated as personal)	$5	Not stated	None
Dormant Account Fee (or maximum allowed by law) per month up to 12 months	$5	per month	None
Savings Account Excessive withdrawal fee after two free	$5	Not stated	None
Overdraft & NSF
NSF check charge- A charge for either paying or returning an item such as check	$33	Not stated	None
ATM & Card
ATM Service Charge for each withdrawal made from an ATM other than First State	$2	per item	None
Replacement Cost of Lost Mastercard Check Card	$10	Not stated	None
Check Services
Cashiers Checks	$5	per item	None
Stop Payments Fee	$33	Not stated	None
Encoded Counter Checks per 12 checks	$5	Not stated	None
Foreign Collection Items (Incoming or Outgoing) per item	$100	per item	None
Check images	$0.50	per item	None
Cash & Deposit
Returned Deposited Items	$6	Not stated	None
Night Deposit Servce (per bag per month)	$3Not compared: Monthly charge, not per item	per month	None
Account Services
Safe Deposit Box 10X10	$65	per year	None
Safe Deposit Box 10X10 (audience not stated, treated as personal)	$65	Not stated	None
Safe Deposit Box 3X10	$35	per year	None
Safe Deposit Box 3X10 (audience not stated, treated as personal)	$35	Not stated	None
Safe Deposit Box 3X5	$20	per year	None
Safe Deposit Box 3X5 (audience not stated, treated as personal)	$20	per year	None
Safe Deposit Box 4X5	$25	per year	None
Safe Deposit Box 4X5 (audience not stated, treated as personal)	$25	Not stated	None
Safe Deposit Box 5X10	$45	per year	None
Safe Deposit Box 5X10 (audience not stated, treated as personal)	$45	Not stated	None
Safe Deposit Box 5X5	$30	per year	None
Safe Deposit Box 5X5 (audience not stated, treated as personal)	$30	Not stated	None
Safe Deposit Box 5X8	$35	per year	None
Safe Deposit Box 5X8 (audience not stated, treated as personal)	$35	Not stated	None
Safe Deposit Box 6X10	$50	per year	None
Safe Deposit Box 6X10 (audience not stated, treated as personal)	$50	Not stated	None
Other Fees
Photocopies	$1	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Dormant Account Fee (or maximum allowed by law) per month up to 12 months$5
per month
Savings Account Excessive withdrawal fee after two free$5

Overdraft & NSF

NSF check charge- A charge for either paying or returning an item such as check$33

ATM & Card

ATM Service Charge for each withdrawal made from an ATM other than First State$2
per item
Replacement Cost of Lost Mastercard Check Card$10

Check Services

Cashiers Checks$5
per item
Stop Payments Fee$33
Encoded Counter Checks per 12 checks$5
Foreign Collection Items (Incoming or Outgoing) per item$100
per item
Check images$0.50
per item

Digital & Electronic

Business ACH Origination monthly fee$25
Not compared: Monthly charge, not per item
per month

Cash & Deposit

Returned Deposited Items$6
Night Deposit Servce (per bag per month)$3
Not compared: Monthly charge, not per item
per month

Account Services

Safe Deposit Box 10X10$65
per year
Safe Deposit Box 3X10$35
per year
Safe Deposit Box 3X5$20
per year
Safe Deposit Box 4X5$25
per year
Safe Deposit Box 5X10$45
per year
Safe Deposit Box 5X5$30
per year
Safe Deposit Box 5X8$35
per year
Safe Deposit Box 6X10$50
per year

Other Fees

Photocopies$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee (or maximum allowed by law) per month up to 12 months	$5	per month	None
Savings Account Excessive withdrawal fee after two free	$5	Not stated	None
Overdraft & NSF
NSF check charge- A charge for either paying or returning an item such as check	$33	Not stated	None
ATM & Card
ATM Service Charge for each withdrawal made from an ATM other than First State	$2	per item	None
Replacement Cost of Lost Mastercard Check Card	$10	Not stated	None
Check Services
Cashiers Checks	$5	per item	None
Stop Payments Fee	$33	Not stated	None
Encoded Counter Checks per 12 checks	$5	Not stated	None
Foreign Collection Items (Incoming or Outgoing) per item	$100	per item	None
Check images	$0.50	per item	None
Digital & Electronic
Business ACH Origination monthly fee	$25Not compared: Monthly charge, not per item	per month	None
Cash & Deposit
Returned Deposited Items	$6	Not stated	None
Night Deposit Servce (per bag per month)	$3Not compared: Monthly charge, not per item	per month	None
Account Services
Safe Deposit Box 10X10	$65	per year	None
Safe Deposit Box 3X10	$35	per year	None
Safe Deposit Box 3X5	$20	per year	None
Safe Deposit Box 4X5	$25	per year	None
Safe Deposit Box 5X10	$45	per year	None
Safe Deposit Box 5X5	$30	per year	None
Safe Deposit Box 5X8	$35	per year	None
Safe Deposit Box 6X10	$50	per year	None
Other Fees
Photocopies	$1	per item	None

Correct a fee source

Oct 22, 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.