Rabun County Bank Fees: Overdraft $35, NSF $15 (2026)

Overdraft & NSFVerified

Overdraft Fee (created by check, in-person withdrawal and/or other electronic means )$35Above the typical range ($20–$30 nationally)
$7 above the national median
Knox deterministic extraction from Rosetta artifact #3160. canonical_hint=overdraft; text_hash=a562110c6874aa730885d3233b9d6e0ab2a244ff4481c92fc7dd36e9ab817444; excerpt="Overdraft Fee (created by check, in-person withdrawal and/or other electronic means*) | $35.00" · Source
Overdraft Protection (IFMS Transfer Fee – per transfer)$7Above the typical range ($2.50–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #3160. canonical_hint=od_protection_transfer; text_hash=a562110c6874aa730885d3233b9d6e0ab2a244ff4481c92fc7dd36e9ab817444; excerpt="Overdraft Protection (IFMS Transfer Fee – per transfer) | $7.00" · Source
Personal Reserve Account Returned Check$15Below the typical range ($25–$32 nationally)
$14 below the national median
Knox deterministic extraction from Rosetta artifact #1327. canonical_hint=nsf; text_hash=27222de8d508b61931e96138ca065a923d9c7050be80ed7e04115541bd983994; excerpt="Personal Reserve Account Returned Check / $15.00" · Source

ATM & CardVerified

ATM (Automated Teller Machine) Withdrawal Special Fee (non-Rabun County Bank ATM usage fee)$1Within the typical range ($1–$3 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #3160. canonical_hint=atm_non_network; text_hash=a562110c6874aa730885d3233b9d6e0ab2a244ff4481c92fc7dd36e9ab817444; excerpt="ATM (Automated Teller Machine) Withdrawal Special Fee (non-Rabun County Bank ATM usage fee) | $1.00" · Source
Replace / Reissue ATM / Debit Card (EFT Service Charge)$5Within the typical range ($5–$10 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #1327. canonical_hint=card_replacement; text_hash=27222de8d508b61931e96138ca065a923d9c7050be80ed7e04115541bd983994; excerpt="Replace / Reissue ATM / Debit Card (EFT Service Charge) / $5.00" · Source

Wire TransfersVerified

Wire Transfer Fee – Incoming$15Within the typical range ($7.75–$15 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #3160. canonical_hint=wire_domestic_incoming; text_hash=a562110c6874aa730885d3233b9d6e0ab2a244ff4481c92fc7dd36e9ab817444; excerpt="Wire Transfer Fee – Incoming | $15.00" · Source
Wire Transfer Fee – International Incoming$20Within the typical range ($10–$25 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #1327. canonical_hint=wire_intl_incoming; text_hash=27222de8d508b61931e96138ca065a923d9c7050be80ed7e04115541bd983994; excerpt="Wire Transfer Fee – International Incoming / $20.00" · Source
Wire Transfer Fee – International Outgoing$50Within the typical range ($40–$50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1327. canonical_hint=wire_intl_outgoing; text_hash=27222de8d508b61931e96138ca065a923d9c7050be80ed7e04115541bd983994; excerpt="Wire Transfer Fee – International Outgoing / $50.00" · Source
Wire Transfer Fee – Outgoing$20Within the typical range ($20–$25 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3160. canonical_hint=wire_domestic_outgoing; text_hash=a562110c6874aa730885d3233b9d6e0ab2a244ff4481c92fc7dd36e9ab817444; excerpt="Wire Transfer Fee – Outgoing | $20.00" · Source

Check ServicesVerified

Cashier’s Check$5Within the typical range ($3–$6 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3160. canonical_hint=cashiers_check; text_hash=a562110c6874aa730885d3233b9d6e0ab2a244ff4481c92fc7dd36e9ab817444; excerpt="Cashier’s Check | $5.00" · Source
Check Copy (per check)$1Below the typical range ($2–$5 nationally)
$2 below the national median
per item · Knox deterministic extraction from Rosetta artifact #3160. canonical_hint=check_image; text_hash=a562110c6874aa730885d3233b9d6e0ab2a244ff4481c92fc7dd36e9ab817444; excerpt="Check Copy (per check) | $1.00" · Source
Stop Payment (Stop Pay Charge)$35Above the typical range ($20–$30 nationally)
$8 above the national median
Knox deterministic extraction from Rosetta artifact #3160. canonical_hint=stop_payment; text_hash=a562110c6874aa730885d3233b9d6e0ab2a244ff4481c92fc7dd36e9ab817444; excerpt="Stop Payment (Stop Pay Charge) | $35.00" · Source

Account ServicesVerified

10 x 10$100Above the typical range ($25–$80 nationally)
$60 above the national median
Knox deterministic extraction from Rosetta artifact #1327. canonical_hint=safe_deposit_box; text_hash=27222de8d508b61931e96138ca065a923d9c7050be80ed7e04115541bd983994; excerpt="10 x 10 / $100.00" · Source
3 x 5$35Within the typical range ($25–$80 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #1327. canonical_hint=safe_deposit_box; text_hash=27222de8d508b61931e96138ca065a923d9c7050be80ed7e04115541bd983994; excerpt="3 x 5 / $35.00" · Source
5 x 10$75Within the typical range ($25–$80 nationally)
$35 above the national median
Knox deterministic extraction from Rosetta artifact #1327. canonical_hint=safe_deposit_box; text_hash=27222de8d508b61931e96138ca065a923d9c7050be80ed7e04115541bd983994; excerpt="5 x 10 / $75.00" · Source
5 x 5$45Within the typical range ($25–$80 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #1327. canonical_hint=safe_deposit_box; text_hash=27222de8d508b61931e96138ca065a923d9c7050be80ed7e04115541bd983994; excerpt="5 x 5 / $45.00" · Source
Account Subpoena / Research / Balancing (per hour plus .25 per copy)$25Within the typical range ($25–$100 nationally)
$25 below the national median
Knox deterministic extraction from Rosetta artifact #3160. canonical_hint=legal_process; text_hash=a562110c6874aa730885d3233b9d6e0ab2a244ff4481c92fc7dd36e9ab817444; excerpt="Account Subpoena / Research / Balancing (per hour plus .25 per copy) | $25.00" · Source
Garnishment/Levy Fee$100Above the typical range ($25–$75 nationally)
$50 above the national median
Knox deterministic extraction from Rosetta artifact #3160. canonical_hint=garnishment_levy; text_hash=a562110c6874aa730885d3233b9d6e0ab2a244ff4481c92fc7dd36e9ab817444; excerpt="Garnishment/Levy Fee | $100.00" · Source
Key Replacement$25Within the typical range ($25–$80 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #1327. canonical_hint=safe_deposit_box; text_hash=27222de8d508b61931e96138ca065a923d9c7050be80ed7e04115541bd983994; excerpt="Key Replacement / $25.00" · Source
Safe Box Drilling$175Above the typical range ($25–$80 nationally)
$135 above the national median
Knox deterministic extraction from Rosetta artifact #1327. canonical_hint=safe_deposit_box; text_hash=27222de8d508b61931e96138ca065a923d9c7050be80ed7e04115541bd983994; excerpt="Safe Box Drilling / $175.00" · Source
Verification of Deposit$10Within the typical range ($5–$16.13 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1327. canonical_hint=account_verification; text_hash=27222de8d508b61931e96138ca065a923d9c7050be80ed7e04115541bd983994; excerpt="Verification of Deposit / $10.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Account (after 12 months) (Service Charge) (Per month/maximum)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #3160. canonical_hint=dormant_account; text_hash=a562110c6874aa730885d3233b9d6e0ab2a244ff4481c92fc7dd36e9ab817444; excerpt="Dormant Account (after 12 months) (Service Charge) (Per month/maximum) \| $5.00/$60.00"	Source
Early Account Closing Fee (within 90 days)	$20Within the typical range ($10–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #1327. canonical_hint=early_closure; text_hash=27222de8d508b61931e96138ca065a923d9c7050be80ed7e04115541bd983994; excerpt="Early Account Closing Fee (within 90 days) / $20.00"	Source
Overdraft & NSFVerified
Overdraft Fee (created by check, in-person withdrawal and/or other electronic means )	$35Above the typical range ($20–$30 nationally)	$7 above the national median	—	Knox deterministic extraction from Rosetta artifact #3160. canonical_hint=overdraft; text_hash=a562110c6874aa730885d3233b9d6e0ab2a244ff4481c92fc7dd36e9ab817444; excerpt="Overdraft Fee (created by check, in-person withdrawal and/or other electronic means*) \| $35.00"	Source

ATM & CardVerified
ATM (Automated Teller Machine) Withdrawal Special Fee (non-Rabun County Bank ATM usage fee)	$1Within the typical range ($1–$3 nationally)	$0.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #3160. canonical_hint=atm_non_network; text_hash=a562110c6874aa730885d3233b9d6e0ab2a244ff4481c92fc7dd36e9ab817444; excerpt="ATM (Automated Teller Machine) Withdrawal Special Fee (non-Rabun County Bank ATM usage fee) \| $1.00"	Source

Wire TransfersVerified
Wire Transfer Fee – Incoming	$15Within the typical range ($7.75–$15 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #3160. canonical_hint=wire_domestic_incoming; text_hash=a562110c6874aa730885d3233b9d6e0ab2a244ff4481c92fc7dd36e9ab817444; excerpt="Wire Transfer Fee – Incoming \| $15.00"	Source
Wire Transfer Fee – International Incoming
Check ServicesVerified
Cashier’s Check	$5Within the typical range ($3–$6 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #3160. canonical_hint=cashiers_check; text_hash=a562110c6874aa730885d3233b9d6e0ab2a244ff4481c92fc7dd36e9ab817444; excerpt="Cashier’s Check \| $5.00"	Source
Check Copy (per check)	$1
Account ServicesVerified
10 x 10	$100Above the typical range ($25–$80 nationally)	$60 above the national median	—	Knox deterministic extraction from Rosetta artifact #1327. canonical_hint=safe_deposit_box; text_hash=27222de8d508b61931e96138ca065a923d9c7050be80ed7e04115541bd983994; excerpt="10 x 10 / $100.00"	Source
3 x 5	$35
Lending FeesVerified
Personal Reserve Account Late Charge	$10Below the typical range ($15–$26.50 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #3160. canonical_hint=late_payment; text_hash=a562110c6874aa730885d3233b9d6e0ab2a244ff4481c92fc7dd36e9ab817444; excerpt="Personal Reserve Account Late Charge \| $10.00"	Source
Other FeesVerified
Interim Statement or Reprint Statement	$3Within the typical range ($2–$5 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #1327. canonical_hint=document_reproduction; text_hash=27222de8d508b61931e96138ca065a923d9c7050be80ed7e04115541bd983994; excerpt="Interim Statement or Reprint Statement / $3.00"	Source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$361.5M

Total deposits

$321.3M

Service charge income

$100K

Fee income ratio

2.1%

Return on assets

1.97%

Branches

Service charge income by quarter

Q2 2026$100K

Q1 2026$98K

Q4 2025$98K

Q3 2025$102K

Rabun County Bank

Published fees

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How the headline fees compare

Size and fee revenue

Performance from regulator filings

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