vs. U.S. typical range:LowerTypicalHigher
$7.50 above the national medianAt the Indiana median
$25 above the national median$25 above the Indiana median
$12.50 above the national median$12 above the Indiana median
per item · Per charged-off account · Source
$17.50 above the national median$17 above the Indiana median
per item · Source
$11.50 below the national median$12 below the Indiana median
per month · Per account · Source
$5 above the national median$5 above the Indiana median
per transaction · Source
$0.50 above the national medianAt the Indiana median
$1 above the national median$0.50 above the Indiana median
per transaction · Source
$8 above the national median$8 above the Indiana median
per item · Customers only · Source
$2 below the national median$1 below the Indiana median
$3 above the national median$3 above the Indiana median
$7.50 above the national median$5 above the Indiana median
At the national median$0.37 above the Indiana median
per item · Source
$3 above the national median$3 above the Indiana median
per item · Per statement (excluding Essential Checking and Getting Ahead Checking accounts) · Source
$2 below the national median$2 below the Indiana median
per item · LCB staff assisted, per transaction · Source
$2.50 above the national median$5 above the Indiana median
per item · Per payment · Source
$14.50 above the national median$17 above the Indiana median
$0.50 below the national median$0.50 above the Indiana median
per item · Source
$25 above the national median$25 above the Indiana median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Early Closing fee | $25Within the typical range ($10–$25 nationally) | $7.50 above the national medianAt the Indiana median | — | — | Source |
| Escheatment fee | $30Above the typical range ($5–$10 nationally) | $25 above the national median$25 above the Indiana median | — | — | Source |
| Charge-off Processing fee | $30Above the typical range ($12–$25 nationally) | $12.50 above the national median$12 above the Indiana median | per item | Per charged-off account | Source |
| Indemnity Bond Preparation fee | $35Above the typical range ($12–$25 nationally) | $17.50 above the national median$17 above the Indiana median | per item | — | Source |
| Undeliverable Address fee | $6Below the typical range ($12–$25 nationally) | $11.50 below the national median$12 below the Indiana median | per month | Per account | Source |
Overdraft & NSFVerified | |||||
| Overdraft fee | $35Above the typical range ($25–$33 nationally) | $5 above the national median$5 above the Indiana median | per transaction | — | Source |
ATM & CardVerified | |||||
| (withdrawal, transfer or balance inquiry) performed at an ATM not owned by Lake City Bank plus | $2Within the typical range ($1–$2.25 nationally) | $0.50 above the national medianAt the Indiana median | — | — | Source |
| ATM Non-LCB Usage fees | $2.50 | ||||
Wire TransfersVerified | |||||
| Wire Transfer Domestic (customers only) - Incoming | $18Above the typical range ($5–$15 nationally) | $8 above the national median$8 above the Indiana median | per item | Customers only | Source |
| Wire Transfer International (customers only) Incoming | $18 | ||||
Check ServicesVerified | |||||
| Cashier’s Check (customers only) | $8Above the typical range ($3–$6 nationally) | $3 above the national median$3 above the Indiana median | — | — | Source |
| Stop Payment Order fee | $35 | ||||
Digital & ElectronicVerified | |||||
| ACH personal transfers to another institution - Manual (LCB staff assisted) | $8Within the typical range ($5–$20 nationally) | $2 below the national median$2 below the Indiana median | per item | LCB staff assisted, per transaction | Source |
| Lake City Bank Digital Bill Pay - Next day electronic delivery | |||||
Account ServicesVerified | |||||
| Notary | $2Within the typical range ($0–$5 nationally) | $0.50 below the national median$0.50 above the Indiana median | per item | — | Source |
Retirement & IRAVerified | |||||
| IRA Termination fee | $50Above the typical range ($25–$35 nationally) | $25 above the national median$25 above the Indiana median | — | — | Source |
Fee change alerts
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Headline fees vs. national median
Overdraft
$35
Headline fees published
5 of 15
Published fees
19
Under review
0
Assets
$7.2B
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Financial Context
Financials as of Q2 2026 · FDIC call report
Total assets
$7.2B
Total deposits
$6.3B
Service charge income
$2.8M
Fee income ratio
3.9%
Return on assets
1.69%
Branches
57
Service charge income by quarter
Financial profile · Pro
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| $1 above the national median$0.50 above the Indiana median |
| per transaction |
| — |
| Source |
| $2 below the national median$1 below the Indiana median |
| — |
| — |
| Source |
| $7.50 above the national median$5 above the Indiana median |
| — |
| — |
| Source |
| Counter Check | $2Within the typical range ($1–$4 nationally) | At the national median$0.37 above the Indiana median | per item | — | Source |
| Images of processed items on statement | $6Above the typical range ($2–$5 nationally) | $3 above the national median$3 above the Indiana median | per item | Per statement (excluding Essential Checking and Getting Ahead Checking accounts) | Source |
| $5Within the typical range ($0–$9.95 nationally) |
| $2.50 above the national median$5 above the Indiana median |
| per item |
| Per payment |
| Source |
| Payments Lake City Bank Digital Bill Pay Next day paper check delivery | $17Above the typical range ($0–$9.95 nationally) | $14.50 above the national median$17 above the Indiana median | — | — | Source |