20 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 9, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Kentucky, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Amounts from Town & Country Bank and Trust Company’s own schedules, with a source for each figure.
per hour · ACCOUNT RECONCILEMENT (per hour) $25.00
per hour · RECORD RESEARCH (per hour) $25.00
per item
per year
per year
per year
per year
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| EARLY ACCOUNT CLOSURE FEE (open <30 days) | $15 | Not stated | None |
| DORMANT ACCOUNT FEE (balances under $1,000) | $10 | Not stated | None |
| ACCOUNT CLOSURE REQUEST (mail or fax) | $10 | Not stated | None |
| ACCOUNT RECONCILEMENT (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | ACCOUNT RECONCILEMENT (per hour) $25.00 |
| RECORD RESEARCH (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | RECORD RESEARCH (per hour) $25.00 |
Overdraft & NSF | |||
| OVERDRAFT FEE (per item) | $33 | per item | None |
| RETURNED ITEM FEE (per item) | $33 | per item | None |
| DAILY OVERDRAFT FEE (beginning on the 5th day not to exceed 10 consecutive days) | $5 | per day | None |
ATM & Card | |||
| Debit Card Replacement Fee | $6.25 | Not stated | None |
Wire Transfers | |||
| WIRE TRANSFERS: Domestic Outgoing | $20 | Not stated | None |
| WIRE TRANSFERS: Incoming | $10 | Not stated | None |
| WIRE TRANSFERS: International Outgoing | $55 | Not stated | None |
Check Services | |||
| Official Checks | $10 | Not stated | None |
| STOP PAYMENT FEE (per item) | $33 | per item | None |
Digital & Electronic | |||
| CASH MANAGEMENT SAME DAY ACH FEE (per file) | $20 | per item | None |
Cash & Deposit | |||
| Cash Advance | No charge | Not stated | None |
| CHARGEBACK FEE (per item) | $5 | per item | None |
| Night Deposit Lock Bag Lost Key | $10 | Not stated | None |
Account Services | |||
| NOTARY SERVICE (bank customers only) | No charge | Not stated | None |
| Safe Deposit Box 10X10 | $75 | per year | None |
| Safe Deposit Box 10X10 (audience not stated, treated as personal) | $75 | per year | None |
| Safe Deposit Box 3X5 | $20 | per year | None |
| Safe Deposit Box 5X10 | $40 | per year | None |
| Safe Deposit Box 5X10 (audience not stated, treated as personal) | $40 | per year | None |
| Safe Deposit Box Drilling Fee | $175Not compared: Box drilling or key fee | Not stated | None |
| SAFE DEPOSIT BOX LATE CHARGE (>30 days past due) | $10Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Boxes: ▪ 3X10 (audience not stated, treated as personal) | $30 | per year | None |
| Safe Deposit Boxes: ▪ 3X5 (audience not stated, treated as personal) | $20 | per year | None |
| Safe Deposit Boxes: ▪ 4X10 (audience not stated, treated as personal) | $35 | per year | None |
| Safe Deposit Boxes: ▪ 5X5 (audience not stated, treated as personal) | $22 | per year | None |
| Garnishments & Levies | $60 | Not stated | None |
Other Fees | |||
| FAX (10 page maximum) | $10 | Not stated | None |
| PHOTO COPIES (per page) | $0.50Not compared: Charged per page; comparison unavailable | per page | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 9, 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.
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