vs. U.S. typical range:LowerTypicalHigher
$2.50 above the national median$10 above the Georgia median
At the national medianAt the Georgia median
per month · Source
$5 above the national median$3 above the Georgia median
$5 above the national median$3 above the Georgia median
$15 below the national median$17 below the Georgia median
$2 above the national median$2 above the Georgia median
per item · Source
$0.50 below the national medianAt the Georgia median
$5 below the national median$5 below the Georgia median
$5 below the national medianAt the Georgia median
$5 above the national median$5 above the Georgia median
At the national medianAt the Georgia median
At the national median$2.50 below the Georgia median
At the national medianAt the Georgia median
$7.50 above the national median$3 above the Georgia median
$5 below the national median$10 below the Georgia median
$2 below the national median$2 below the Georgia median
per item · Source
$20 below the national median$22.50 below the Georgia median
$130 above the national median$127.50 above the Georgia median
$55 above the national median$52.50 above the Georgia median
$10 below the national median$12.50 below the Georgia median
$30 above the national median$27.50 above the Georgia median
At the national median$2.50 below the Georgia median
$50 above the national median$50 above the Georgia median
$25 below the national median$25 below the Georgia median
At the national medianAt the Georgia median
$10 below the national median$5 below the Georgia median
At the national medianAt the Georgia median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Early Account Closing Fee (within 90 days) | $20Within the typical range ($10–$25 nationally) | $2.50 above the national median$10 above the Georgia median | — | — | Source |
| Dormant Account (after 12 months) (Service Charge) (Per month/maximum) | $5Within the typical range ($5–$10 nationally) | At the national medianAt the Georgia median | per month | — | Source |
Overdraft & NSFVerified | |||||
| Overdraft Fee (created by check, in-person withdrawal and/or other electronic means ) | $35Above the typical range ($25–$33 nationally) | $5 above the national median$3 above the Georgia median | — | — | Source |
| Non-Sufficient Funds (Return Item Fee) – (created by check, in -person withdrawal and/or other electronic means ) | $35 | ||||
ATM & CardVerified | |||||
| ATM (Automated Teller Machine) Withdrawal Special Fee (non-Rabun County Bank ATM usage fee) | $1Within the typical range ($1–$2.25 nationally) | $0.50 below the national medianAt the Georgia median | — | — | Source |
| Replace / Reissue ATM / Debit Card (EFT Service Charge) | $5 | ||||
Wire TransfersVerified | |||||
| Wire Transfer Fee – Outgoing | $20Within the typical range ($20–$25 nationally) | $5 below the national medianAt the Georgia median | — | — | Source |
| Wire Transfer Fee – Incoming | $15 | ||||
Check ServicesVerified | |||||
| Cashier’s Check | $5Within the typical range ($3–$6 nationally) | At the national medianAt the Georgia median | — | — | Source |
| Stop Payment (Stop Pay Charge) | $35 | ||||
Account ServicesVerified | |||||
| Key Replacement | $25Below the typical range ($30–$70 nationally) | $20 below the national median$22.50 below the Georgia median | — | — | Source |
| Safe Box Drilling | $175 | ||||
Lending FeesVerified | |||||
| Personal Reserve Account Late Charge | $10Within the typical range ($10–$25 nationally) | $10 below the national median$5 below the Georgia median | — | — | Source |
Other FeesVerified | |||||
| Interim Statement or Reprint Statement | $3Within the typical range ($2–$5 nationally) | At the national medianAt the Georgia median | — | — | Source |
Its state has too few comparable institutions, so these are its Fed district peers.
Overdraft
$35.00
Of 97 others that publish it, 49 lower, 34 the same and 14 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
$35
Headline fees published
10 of 15
Published fees
27
Under review
0
Assets
$361.5M
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Financial Context
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
4
Service charge income by quarter
Financial profile · Pro
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| $5 above the national median$3 above the Georgia median |
| — |
| — |
| Source |
| Personal Reserve Account Returned Check | $15Below the typical range ($25–$32 nationally) | $15 below the national median$17 below the Georgia median | — | — | Source |
| Overdraft Protection (IFMS Transfer Fee – per transfer) | $7Above the typical range ($2.50–$5 nationally) | $2 above the national median$2 above the Georgia median | per item | — | Source |
| $5 below the national median$5 below the Georgia median |
| — |
| — |
| Source |
| $5 above the national median$5 above the Georgia median |
| — |
| — |
| Source |
| Wire Transfer Fee – International Outgoing | $50Within the typical range ($40–$50 nationally) | At the national medianAt the Georgia median | — | — | Source |
| Wire Transfer Fee – International Incoming | $20Within the typical range ($10–$25 nationally) | At the national median$2.50 below the Georgia median | — | — | Source |
| $7.50 above the national median$3 above the Georgia median |
| — |
| — |
| Source |
| Collection Item Outgoing – Domestic or Foreign (Collection Fee) | $15Within the typical range ($10–$25 nationally) | $5 below the national median$10 below the Georgia median | — | — | Source |
| Check Copy (per check) | $1Below the typical range ($2–$5 nationally) | $2 below the national median$2 below the Georgia median | per item | — | Source |
| $130 above the national median$127.50 above the Georgia median |
| — |
| — |
| Source |
| Safe Deposit Box 10 x 10 | $100Above the typical range ($30–$70 nationally) | $55 above the national median$52.50 above the Georgia median | — | — | Source |
| Safe Deposit Box 3 x 5 | $35Within the typical range ($30–$70 nationally) | $10 below the national median$12.50 below the Georgia median | — | — | Source |
| Safe Deposit Box 5 x 10 | $75Above the typical range ($30–$70 nationally) | $30 above the national median$27.50 above the Georgia median | — | — | Source |
| Safe Deposit Box 5 x 5 | $45Within the typical range ($30–$70 nationally) | At the national median$2.50 below the Georgia median | — | — | Source |
| Garnishment/Levy Fee | $100Above the typical range ($30–$90 nationally) | $50 above the national median$50 above the Georgia median | — | — | Source |
| Account Subpoena / Research / Balancing (per hour plus .25 per copy) | $25Below the typical range ($30–$100 nationally) | $25 below the national median$25 below the Georgia median | — | — | Source |
| Verification of Deposit | $10Within the typical range ($5–$15 nationally) | At the national medianAt the Georgia median | — | — | Source |