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

Locality Bank

Fort Lauderdale, FloridaBankAtlanta 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

ACH Monthly Maintenance$25Above the typical range ($3–$10 nationally)

ATM & CardVerified

Debit Card - Expedited Fee$50Within the typical range ($30–$50 nationally)
$10 above the national median
Source
Debit Card Replacement$5Within the typical range ($5–$10 nationally)
$5 below the national median
Source

Wire TransfersVerified

Domestic - Incoming Wire$10Within the typical range ($5–$15 nationally)
At the national median
Source
Domestic - Outgoing Wire (online)$12Below the typical range ($20–$25 nationally)
$13 below the national median
Source
Domestic – Outgoing Wire (banker assisted)$25Within the typical range ($20–$25 nationally)
At the national median
Source

Check ServicesVerified

Official Check Issued$5Within the typical range ($3–$5.50 nationally)
At the national median
Source
Stop Payment Checks$25Within the typical range ($20–$30 nationally)
$1 below the national median
Source
Temporary Checks (3 per page)$2Within the typical range ($1–$4 nationally)
At the national median
Source

Digital & ElectronicVerified

ACH Batch / File Fee$5Within the typical range ($5–$20 nationally)
$5 below the national median
Source
ACH Return Item$8Below the typical range ($18.75–$30 nationally)
$19 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
ACH Monthly Maintenance	$25Above the typical range ($3–$10 nationally)	$19.50 above the national median	per month	—	Source
Dormant Account Monthly	$20Above the typical range ($5–$10 nationally)	$15 above the national median	per month	—	Source
Monthly Maintenance Fee 1	$12Above the typical range ($3–$10 nationally)	$6.50 above the national median	per month	—	Source
Paper Statement	$3Within the typical range ($2–$4.50 nationally)	At the national median	—	—	Source
Overdraft & NSFVerified
Non-Sufficient Funds / Overdrafts	$18Below the typical range ($25–$31.50 nationally)	$12 below the national median	—	—	Source
ATM & CardVerified
Debit Card - Expedited Fee	$50Within the typical range ($30–$50 nationally)	$10 above the national median	—	—	Source
Debit Card Replacement	$5
Wire TransfersVerified
Domestic - Incoming Wire	$10Within the typical range ($5–$15 nationally)	At the national median	—	—	Source
Domestic - Outgoing Wire (online)	$12
Check ServicesVerified
Official Check Issued	$5Within the typical range ($3–$5.50 nationally)	At the national median	—	—	Source
Stop Payment Checks	$25
Digital & ElectronicVerified
ACH Batch / File Fee	$5Within the typical range ($5–$20 nationally)	$5 below the national median	—	—	Source
ACH Return Item	$8
Cash & DepositVerified
Returned Deposited Items	$12Within the typical range ($10–$25 nationally)	$3 below the national median	—	—	Source
Account ServicesVerified
Legal Processing – (garnishment, levies	$100Above the typical range ($30–$75 nationally)	$50 above 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 fee: $18

40% below the national median overdraft fee

Total fees: 17 — leaner than most institutions

Headline fees published

9 of 15

Published fees

Under review

Assets

$396.2M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$396.2M

Total deposits

$346.0M

Service charge income

$12K

Fee income ratio

0.32%

Return on assets

0.48%

Branches

Service charge income by quarter

Q2 2026$12K

Q1 2026$12K

Q4 2025$16K

Q3 2025$9K

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 37,834 published fee entries from 2,647 institutions

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