vs. U.S. typical range:LowerTypicalHigher
$5 above the national median$3 above the Kentucky median
per month · Source
$2.50 below the national medianAt the Kentucky median
$1 below the national median$1 below the Kentucky median
per item · Source
$1 below the national median$1 below the Kentucky median
per item · Source
At the national medianAt the Kentucky median
per day · Source
$0.75 below the national median$0.25 below 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
$7.50 below the national median$8.48 below the Kentucky median
$10 above the national median$10 above the Kentucky median
per item · 24 per pack · Institution’s schedule
$10 above the national median$10 above the Kentucky median
$5 below the national median$5 below the Kentucky median
$10 above the national median$10 above the Kentucky median
$1 below the national median$1 below the Kentucky median
per item · Source
$2.50 below the national medianAt the Kentucky median
At the national median$5 above the Kentucky median
per item · Source
$2.50 below the national medianAt the Kentucky median
$130 above the national median$131.50 above the Kentucky median
$15 below the national median$13.50 below the Kentucky median
per year · Source
$21 below the national median$19.50 below the Kentucky median
per year · Source
$25 below the national median$23.50 below the Kentucky median
per year · Source
At the national median$25 below the Kentucky median
per item · Source
$2 above the national median$2.44 above the Kentucky median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Dormant Fee (Monthly Fee); No credit or debit activity for a period of 180 days and the account has a balance of less th | $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- 1 hour minimum) | $15Within the typical range ($12–$25 nationally) | $2.50 below the national medianAt the Kentucky median | — | — | Source |
Overdraft & NSFVerified | |||||
| Overdraft fee | $29Within the typical range ($25–$33 nationally) | $1 below the national median$1 below the Kentucky median | per item | — | Source |
| Return Item Charge (per item) You may incur multiple fees if an item is presented & returned multiple times | $29 | ||||
ATM & CardVerified | |||||
| ATM Service Charge (transactions not at MCB or affiliates) | $0.75Below the typical range ($1–$2.25 nationally) | $0.75 below the national median$0.25 below the Kentucky median | — | — | Source |
| ATM/Debit Card Replacement Fee | $12 | ||||
Wire TransfersVerified | |||||
| Wire Transfer Fee Outgoing (Customer Only) - Domestic | $20Within the typical range ($20–$25 nationally) | $5 below the national medianAt the Kentucky median | — | — | Source |
| Wire Transfer Fee Outgoing (Customer Only) - International | $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) | $20 | ||||
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 |
Cash & DepositVerified | |||||
| Chargeback Fee (per item) | $15Within the typical range ($8–$25 nationally) | At the national median$5 above the Kentucky median | per item | — | 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 or Self-Storage Box; Drill and replace lock | $175 | ||||
Other FeesVerified | |||||
| Account Record Research Fee; copy of statement (per stmt chg) | $5Within the typical range ($2–$5 nationally) | $2 above the national median$2.44 above the Kentucky median | — | — | Source |
Its state has too few comparable institutions, so these are its Fed district peers.
Overdraft
$29.00
Of 100 others that publish it, 18 lower, 3 the same and 79 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$29
Headline fees published
9 of 15
Published fees
25
Under review
0
Assets
$458.4M
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Financial Context
Financials as of Q2 2026 · FDIC call report
Total assets
$458.4M
Total deposits
$384.4M
Service charge income
$89K
Fee income ratio
2.2%
Return on assets
0.95%
Branches
4
Service charge income by quarter
Financial profile · Pro
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| $1 below the national median$1 below the Kentucky median |
| per item |
| — |
| Source |
| Daily Overdraft Charge | $5Within the typical range ($5–$15 nationally) | At the national medianAt 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 |
| $7.50 below the national median$8.48 below the Kentucky median |
| — |
| — |
| Source |
| Temporary Checks | $12Above the typical range ($1–$4 nationally) | $10 above the national median$10 above the Kentucky median | per item | 24 per pack | Institution’s schedule |
| Temporary Checks (24 per pack) | $12Above the typical range ($1–$4 nationally) | $10 above the national median$10 above the Kentucky median | — | — | Source |
| Check Cashing Fee (customers only) | $0Below the typical range ($5–$10 nationally) | $5 below the national median$5 below the Kentucky median | — | — | Source |
| Check Cashing Fee (non-customers) | $15Above the typical range ($5–$10 nationally) | $10 above the national median$10 above the Kentucky median | — | — | Source |
| Account Record Research Fee: check image copy (per item) | $2Within the typical range ($2–$5 nationally) | $1 below the national median$1 below the Kentucky median | per item | — | Source |
| $130 above the national median$131.50 above the Kentucky median |
| — |
| — |
| Source |
| Safe Deposit Box Rental Fee (annually) LARGE Contents not insured by FDIC or this institution | $30Within the typical range ($30–$70 nationally) | $15 below the national median$13.50 below the Kentucky median | per year | — | Source |
| Safe Deposit Box Rental Fee (annually) MEDIUM Contents not insured by FDIC or this institution | $24Below the typical range ($30–$70 nationally) | $21 below the national median$19.50 below the Kentucky median | per year | — | Source |
| Safe Deposit Box Rental Fee (annually) SMALL Contents not insured by FDIC or this institution | $20Below the typical range ($30–$70 nationally) | $25 below the national median$23.50 below the Kentucky median | per year | — | Source |
| Tax Levy/Garnishment Fee (each occurence) | $50Within the typical range ($30–$90 nationally) | At the national median$25 below the Kentucky median | per item | — | Source |