Rabun County Bank

Headquarters: Clayton, Georgia
Charter: Bank
Assets: $361.5M
Fed district: Atlanta

22 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 3, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Rabun County Bank: $35
Rabun County Bank: $35
U.S. median: no median
NSF / Returned Item
Compared at $25, the middle of its prices
Rabun County Bank: $15 to $35
Rabun County Bank: $15 to $35
U.S. median: no median
Non-Network ATM
Rabun County Bank: $1
Rabun County Bank: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Georgia, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Georgia: Banks and credit unions headquartered in Georgia that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Rabun County Bank’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closing Fee (within 90 days)$20
Dormant Account (after 12 months) (Service Charge) (Per month/maximum)$5
per month

Overdraft & NSF

Overdraft Fee$35
Non-Sufficient Funds (Return Item Fee) – (created by check, in -person withdrawal and/or other electronic means)$35
Personal Reserve Account Returned Check$15
Overdraft Protection (IFMS Transfer Fee – per transfer)$7
per item

ATM & Card

ATM (Automated Teller Machine) Withdrawal Special Fee (non-Rabun County Bank ATM usage fee)$1
Replace / Reissue ATM / Debit Card (EFT Service Charge)$5
Debit Card or PIN (Personal Identification Number) Expedited Order (EFT Service Charge)$75

Wire Transfers

Wire Transfer Fee – Outgoing$20
Wire Transfer Fee – Incoming$15
Wire Transfer Fee – International Outgoing$50
Wire Transfer Fee – International Incoming$20

Check Services

Cashier’s Check$5
Stop Payment (Stop Pay Charge)$35
Collection Item Outgoing – Domestic or Foreign (Collection Fee)$15
Check Copy (per check)$1
per item

Account Services

Key Replacement$25
Not compared: Box drilling or key fee
Safe Box Drilling$175
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$100
Safe Deposit Box 3 x 5$35
Safe Deposit Box 5 x 10$75
Safe Deposit Box 5 x 5$45
Garnishment/Levy Fee$100
Account Subpoena / Research / Balancing (per hour plus .25 per copy)$25
Not compared: Charged per hour; comparison unavailable
per hour
Proof of Funds Letter (Verification of Funds)$10
Verification of Deposit$10

Lending Fees

Personal Reserve Account Late Charge$10

Other Fees

Interim Statement or Reprint Statement$3
Bank Assisted Loan Payment Funds Transfer$5

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closing Fee (within 90 days)	$20	Not stated	None
Dormant Account (after 12 months) (Service Charge) (Per month/maximum)	$5	per month	None
Overdraft & NSF
Overdraft Fee	$35	Not stated	None
Non-Sufficient Funds (Return Item Fee) – (created by check, in -person withdrawal and/or other electronic means)	$35	Not stated	None
Personal Reserve Account Returned Check	$15	Not stated	None
Overdraft Protection (IFMS Transfer Fee – per transfer)	$7	per item	None
ATM & Card
ATM (Automated Teller Machine) Withdrawal Special Fee (non-Rabun County Bank ATM usage fee)	$1	Not stated	None
Replace / Reissue ATM / Debit Card (EFT Service Charge)	$5	Not stated	None
Debit Card or PIN (Personal Identification Number) Expedited Order (EFT Service Charge)	$75	Not stated	None
Wire Transfers
Wire Transfer Fee – Outgoing	$20	Not stated	None
Wire Transfer Fee – Incoming	$15	Not stated	None
Wire Transfer Fee – International Outgoing	$50	Not stated	None
Wire Transfer Fee – International Incoming	$20	Not stated	None
Check Services
Cashier’s Check	$5	Not stated	None
Stop Payment (Stop Pay Charge)	$35	Not stated	None
Collection Item Outgoing – Domestic or Foreign (Collection Fee)	$15	Not stated	None
Check Copy (per check)	$1	per item	None
Account Services
Key Replacement	$25Not compared: Box drilling or key fee	Not stated	None
Safe Box Drilling	$175Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10	$100	Not stated	None
Safe Deposit Box 3 x 5	$35	Not stated	None
Safe Deposit Box 5 x 10	$75	Not stated	None
Safe Deposit Box 5 x 5	$45	Not stated	None
Garnishment/Levy Fee	$100	Not stated	None
Account Subpoena / Research / Balancing (per hour plus .25 per copy)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Proof of Funds Letter (Verification of Funds)	$10	Not stated	None
Verification of Deposit	$10	Not stated	None
Lending Fees
Personal Reserve Account Late Charge	$10	Not stated	None
Other Fees
Interim Statement or Reprint Statement	$3	Not stated	None
Bank Assisted Loan Payment Funds Transfer	$5	Not stated	None

Correct a fee source

Nov 3, 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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