Community Trust Bank, Inc. Fees: Overdraft $32, NSF $32, Monthly $3 (2026)

Overdraft & NSFVerified

NSF/Overdraft Fee$32Above the typical range ($20–$30 nationally)
$4 above the national median
Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=overdraft; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="$1.95 each thereafter) | $1.95 | NSF/Overdraft Fee | $32.00" · Source
Return Item Fee$32Within the typical range ($25–$32 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=nsf; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="ACH Origination | $14.95 | Return Item Fee | $32.00" · Source

ATM & CardVerified

ATM Transaction Fee | Counter Checks (first 5 free$0.50Below the typical range ($1–$3 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=atm_non_network; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="ATM Transaction Fee | Counter Checks (first 5 free; $0.50 each thereafter" · Source
Card Replacement$5Within the typical range ($5–$10 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=card_replacement; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="Card Replacement | $5.00 | Levy, Garnishment | $75.00" · Source
Expedited Card or PIN Replacement$75Above the typical range ($30–$50 nationally)
$35 above the national median
Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=rush_card; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="Expedited Card or PIN Replacement | $75.00 | Maintenance Fee – Paper Stmt Fee | $3.00" · Source
Plus any fee charged by owner of ATM | Foreign Currency Transaction$10Above the typical range ($1–$3 nationally)
$8.50 above the national median
Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=atm_non_network; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="Plus any fee charged by owner of ATM | Foreign Currency Transaction | $10.00" · Source

Check ServicesVerified

Bill Payment Stop Payment$20Within the typical range ($20–$30 nationally)
$7 below the national median
Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=stop_payment; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="Bill Payment Stop Payment | $20.00 | Travel EMV Card | $7.95" · Source
Cashier’s Check$4Within the typical range ($3–$6 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=cashiers_check; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="Cashier’s Check | $4.00 | Incoming – Customer Domestic | $10.00" · Source

Digital & ElectronicVerified

ACH Origination$14.95Within the typical range ($5–$20 nationally)
$4.95 above the national median
Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=ach_origination; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="ACH Origination | $14.95 | Return Item Fee | $32.00" · Source
ACH Origination (Additional per item)$0.09Below the typical range ($5–$20 nationally)
$9.91 below the national median
per item · Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=ach_origination; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="Additional per item | $0.09" · Source
Bill Payment Service per month$3.95Within the typical range ($0–$12.50 nationally)
$1.05 below the national median
per month · Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=bill_pay; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="Bill Payment Service per month | $3.95 | Gift Card | $3.95" · Source
Same Day ACH Origination | (1 month free; additional months$3Below the typical range ($5–$20 nationally)
$7 below the national median
Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=ach_origination; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="Same Day ACH Origination | (1 month free; additional months $3.00 each" · Source
with Bill Payment$0Within the typical range ($0–$12.50 nationally)
$5 below the national median
Knox read a free fee from Rosetta artifact #1715. canonical_hint=bill_pay; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="with Bill Payment | FREE" · Source

Cash & DepositVerified

| Night Deposit Bag, Zipper Bag$3Below the typical range ($5–$20 nationally)
$10.75 below the national median
Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=night_deposit; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="Basic (first 5 deposit accounts free; | Night Deposit Bag, Zipper Bag | $3.00" · Source
Business Internet Banking | Night Deposit Bag, Lock Bag$18Within the typical range ($5–$20 nationally)
$4.25 above the national median
Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=night_deposit; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="Business Internet Banking | Night Deposit Bag, Lock Bag | $18.00" · Source

Account ServicesVerified

Deletion, or reversal$5Below the typical range ($25–$80 nationally)
$35 below the national median
Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=safe_deposit_box; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="Deletion, or reversal | $5.00 | Safe Box Drilling, No key (minimum)** | $125.00" · Source
Levy, Garnishment$75Within the typical range ($25–$75 nationally)
$25 above the national median
Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=garnishment_levy; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="Card Replacement | $5.00 | Levy, Garnishment | $75.00" · Source
Safe Box Drilling, No key (minimum)$125Above the typical range ($25–$80 nationally)
$85 above the national median
Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=safe_deposit_box; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="Deletion, or reversal | $5.00 | Safe Box Drilling, No key (minimum)** | $125.00" · Source

Gift & Prepaid CardsVerified

EDI Reporting$9.95Above the typical range ($3.50–$7 nationally)
$4.95 above the national median
Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=prepaid_card_reload; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="EDI Reporting | $9.95 | Reloadable (GPR) Card | $4.95" · Source
Gift Card$3.95Within the typical range ($3–$4.95 nationally)
$0.32 above the national median
per month · Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=gift_card_purchase; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="Bill Payment Service per month | $3.95 | Gift Card | $3.95" · Source
Reloadable (GPR) Card$4.95Within the typical range ($3.50–$7 nationally)
$0.05 below the national median
Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=prepaid_card_reload; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="EDI Reporting | $9.95 | Reloadable (GPR) Card | $4.95" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Account Fee per cycle	$7.50Within the typical range ($5–$10 nationally)	$2.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=dormant_account; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="\| Dormant Account Fee per cycle \| $7.50"	Source
Maintenance Fee – Paper Stmt Fee	$3Below the typical range ($4–$12.63 nationally)	$3.13 below the national median	—	Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=monthly_maintenance; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="Expedited Card or PIN Replacement \| $75.00 \| Maintenance Fee – Paper Stmt Fee \| $3.00"	Source
Overdraft & NSFVerified
NSF/Overdraft Fee	$32Above the typical range ($20–$30 nationally)	$4 above the national median	—	Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=overdraft; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="$1.95 each thereafter) \| $1.95 \| NSF/Overdraft Fee \| $32.00"	Source

ATM & CardVerified
ATM Transaction Fee \| Counter Checks (first 5 free	$0.50Below the typical range ($1–$3 nationally)	$1 below the national median	—	Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=atm_non_network; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="ATM Transaction Fee \| Counter Checks (first 5 free; $0.50 each thereafter"	Source

Check ServicesVerified
Bill Payment Stop Payment	$20Within the typical range ($20–$30 nationally)	$7 below the national median	—	Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=stop_payment; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="Bill Payment Stop Payment \| $20.00 \| Travel EMV Card \| $7.95"	Source

Digital & ElectronicVerified
ACH Origination	$14.95Within the typical range ($5–$20 nationally)	$4.95 above the national median	—	Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=ach_origination; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="ACH Origination \| $14.95 \| Return Item Fee \| $32.00"	Source

Cash & DepositVerified
\| Night Deposit Bag, Zipper Bag	$3Below the typical range ($5–$20 nationally)	$10.75 below the national median	—	Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=night_deposit; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="Basic (first 5 deposit accounts free; \| Night Deposit Bag, Zipper Bag \| $3.00"	Source

Account ServicesVerified
Deletion, or reversal	$5Below the typical range ($25–$80 nationally)	$35 below the national median	—	Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=safe_deposit_box; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="Deletion, or reversal \| $5.00 \| Safe Box Drilling, No key (minimum)** \| $125.00"	Source

Gift & Prepaid CardsVerified
EDI Reporting	$9.95Above the typical range ($3.50–$7 nationally)	$4.95 above the national median	—	Knox deterministic extraction from Rosetta artifact #1715. canonical_hint=prepaid_card_reload; text_hash=dd35099f8381d223605f43c5f151c57421b4dc9ad5c3c853c82b32767526998f; excerpt="EDI Reporting \| $9.95 \| Reloadable (GPR) Card \| $4.95"	Source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$6.9B

Total deposits

$5.7B

Service charge income

$6.9M

Fee income ratio

9.4%

Return on assets

1.69%

Branches

Service charge income by quarter

Q2 2026$6.9M

Q1 2026$6.4M

Q4 2025$6.8M

Q3 2025$7.3M

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 20,792 verified fees from 2,117 institutions

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Community Trust Bank, Inc.

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