First National Bank of South Carolina

Headquarters: Holly Hill, South Carolina
Charter: Bank
Assets: $309.7M
Fed district: Richmond

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

Source: its fee schedule, read Nov 4, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
First Secure Checking
First National Bank of South Carolina: $4.95
First National Bank of South Carolina: $4.95
U.S. median: no median
Overdraft (OD)
First National Bank of South Carolina: $34
First National Bank of South Carolina: $34
U.S. median: no median
NSF / Returned Item
First National Bank of South Carolina: $34
First National Bank of South Carolina: $34
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for South Carolina, the Richmond 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).
South Carolina: Banks and credit unions headquartered in South Carolina that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond 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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Among its peers

First National Bank of South Carolina · $310M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Banks only
$301M to $318M in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First National Bank of South Carolina(this institution)	Holly Hill, SC	$310M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Coushatta	Coushatta, LA	$317M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of Franklin	Meadville, MS	$302M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank of Montana	Missoula, MT	$309M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Guaranty Bank	Richmond, KY	$304M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Independent Bank	Saint Louis Park, MN	$314M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Bank	Winslow, IL	$311M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Bank	Longview, TX	$315M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Bank and Trust Company	Muscatine, IA	$303M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dearborn Federal Savings Bank	Dearborn, MI	$307M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
DLP Bank	Starke, FL	$301M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Secure State Bank	Wonder Lake, IL	$306M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Horatio State Bank	Horatio, AR	$312M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
PEOPLES BANK	Sheridan, AR	$314M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
PrinsBank	Prinsburg, MN	$308M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Profile Bank	Rochester, NH	$317M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Seneca Savings Bank, National Association	Baldwinsville, NY	$312M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Sewickley Savings Bank	Sewickley, PA	$316M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
SJN Bank of Kansas	Saint John, KS	$303M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
State Bank of Graymont	Graymont, IL	$313M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Farmers Bank of Milton	Milton, KY	$305M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The National Iron Bank	Salisbury, CT	$318M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
The Payne County Bank	Perkins, OK	$313M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Washington Savings Bank	Lowell, MA	$302M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Washington State Bank	Washington, LA	$309M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Wray State Bank	Wray, CO	$312M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.55 (34%) below the median of similar-sized banks.

Its published price is $4.95, against a peer median of $7.50 among 14 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

First National Bank of So…Peer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from First National Bank of South Carolina’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge$4.95
per month
Maintenance fee (balance falls below $7,500)$4.95
per month
Account Closing within 90 days$20
Christmas Club account closing before maturity$10
Early Withdrawal Penalty if Account is Closed Within Ninety (90) Days of Opening (audience not stated, treated as personal)$20
Roo Crew's Savings Account closing within six months$20
Dormant account monthly Fee$7
per month
Research or Balancing Service - per hour$25
Not compared: Charged per hour; comparison unavailable
per hour · Research or Balancing Service - per hour | $25.00

Overdraft & NSF

Overdraft Fee per item$34
per item
Non-sufficient Funds (NSF) per item$34
per item

ATM & Card

Replace Debit Card or Pin (after first)$15
Replace Debit Card or Pin (first time)$10

Wire Transfers

Wire Transfers – outgoing for customer$30
Wire Transfers – incoming for customer$20
Wire Transfers – incoming for non-customer$35
Wire Transfers – International$60

Check Services

Cashier’s Checks – customer$6
Cashier’s Checks – non-customer$20
Money Orders – customer$4
Money Orders – non-customer$8
Stop Payments$35
Copies of checks, deposits or statements$5

Cash & Deposit

Chargeback of Return Items$15
Chargeback of Return Items (special)$16

Account Services

Tax Levies$110

Retirement & IRA

IRA Transfer Fee$30

Other Fees

Photocopies$0.35

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$4.95	per month	None
Maintenance fee (balance falls below $7,500)	$4.95	per month	None
Account Closing within 90 days	$20	Not stated	None
Christmas Club account closing before maturity	$10	Not stated	None
Early Withdrawal Penalty if Account is Closed Within Ninety (90) Days of Opening (audience not stated, treated as personal)	$20	Not stated	None
Roo Crew's Savings Account closing within six months	$20	Not stated	None
Dormant account monthly Fee	$7	per month	None
Research or Balancing Service - per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	Research or Balancing Service - per hour \| $25.00
Overdraft & NSF
Overdraft Fee per item	$34	per item	None
Non-sufficient Funds (NSF) per item	$34	per item	None
ATM & Card
Replace Debit Card or Pin (after first)	$15	Not stated	None
Replace Debit Card or Pin (first time)	$10	Not stated	None
Wire Transfers
Wire Transfers – outgoing for customer	$30	Not stated	None
Wire Transfers – incoming for customer	$20	Not stated	None
Wire Transfers – incoming for non-customer	$35	Not stated	None
Wire Transfers – International	$60	Not stated	None
Check Services
Cashier’s Checks – customer	$6	Not stated	None
Cashier’s Checks – non-customer	$20	Not stated	None
Money Orders – customer	$4	Not stated	None
Money Orders – non-customer	$8	Not stated	None
Stop Payments	$35	Not stated	None
Copies of checks, deposits or statements	$5	Not stated	None
Cash & Deposit
Chargeback of Return Items	$15	Not stated	None
Chargeback of Return Items (special)	$16	Not stated	None
Account Services
Tax Levies	$110	Not stated	None
Retirement & IRA
IRA Transfer Fee	$30	Not stated	None
Other Fees
Photocopies	$0.35	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 4, 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.

Fee change alerts

Get an email when First National Bank of South Carolina's wire transfer changes in our data

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Fees against the market

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

Monthly Maintenance
First Secure Checking
First National Bank of South Carolina: $4.95
First National Bank of South Carolina: $4.95
U.S. median: no median
Overdraft (OD)
First National Bank of South Carolina: $34
First National Bank of South Carolina: $34
U.S. median: no median
NSF / Returned Item
First National Bank of South Carolina: $34
First National Bank of South Carolina: $34
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

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).
South Carolina: Banks and credit unions headquartered in South Carolina that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond 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.

Among its peers

First National Bank of South Carolina · $310M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Banks only
$301M to $318M in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First National Bank of South Carolina(this institution)	Holly Hill, SC	$310M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Coushatta	Coushatta, LA	$317M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of Franklin	Meadville, MS	$302M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank of Montana	Missoula, MT	$309M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Guaranty Bank	Richmond, KY	$304M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Independent Bank	Saint Louis Park, MN	$314M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Bank	Winslow, IL	$311M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Bank	Longview, TX	$315M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Bank and Trust Company	Muscatine, IA	$303M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dearborn Federal Savings Bank	Dearborn, MI	$307M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
DLP Bank	Starke, FL	$301M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Secure State Bank	Wonder Lake, IL	$306M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Horatio State Bank	Horatio, AR	$312M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
PEOPLES BANK	Sheridan, AR	$314M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
PrinsBank	Prinsburg, MN	$308M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Profile Bank	Rochester, NH	$317M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Seneca Savings Bank, National Association	Baldwinsville, NY	$312M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Sewickley Savings Bank	Sewickley, PA	$316M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
SJN Bank of Kansas	Saint John, KS	$303M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
State Bank of Graymont	Graymont, IL	$313M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Farmers Bank of Milton	Milton, KY	$305M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The National Iron Bank	Salisbury, CT	$318M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
The Payne County Bank	Perkins, OK	$313M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Washington Savings Bank	Lowell, MA	$302M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Washington State Bank	Washington, LA	$309M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Wray State Bank	Wray, CO	$312M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.55 (34%) below the median of similar-sized banks.

Its published price is $4.95, against a peer median of $7.50 among 14 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

First National Bank of So…Peer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from First National Bank of South Carolina’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge$4.95
per month
Maintenance fee (balance falls below $7,500)$4.95
per month
Account Closing within 90 days$20
Christmas Club account closing before maturity$10
Early Withdrawal Penalty if Account is Closed Within Ninety (90) Days of Opening (audience not stated, treated as personal)$20
Roo Crew's Savings Account closing within six months$20
Dormant account monthly Fee$7
per month
Research or Balancing Service - per hour$25
Not compared: Charged per hour; comparison unavailable
per hour · Research or Balancing Service - per hour | $25.00

Overdraft & NSF

Overdraft Fee per item$34
per item
Non-sufficient Funds (NSF) per item$34
per item

ATM & Card

Replace Debit Card or Pin (after first)$15
Replace Debit Card or Pin (first time)$10

Wire Transfers

Wire Transfers – outgoing for customer$30
Wire Transfers – incoming for customer$20
Wire Transfers – incoming for non-customer$35
Wire Transfers – International$60

Check Services

Cashier’s Checks – customer$6
Cashier’s Checks – non-customer$20
Money Orders – customer$4
Money Orders – non-customer$8
Stop Payments$35
Copies of checks, deposits or statements$5

Cash & Deposit

Chargeback of Return Items$15
Chargeback of Return Items (special)$16

Account Services

Tax Levies$110

Retirement & IRA

IRA Transfer Fee$30

Other Fees

Photocopies$0.35

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$4.95	per month	None
Maintenance fee (balance falls below $7,500)	$4.95	per month	None
Account Closing within 90 days	$20	Not stated	None
Christmas Club account closing before maturity	$10	Not stated	None
Early Withdrawal Penalty if Account is Closed Within Ninety (90) Days of Opening (audience not stated, treated as personal)	$20	Not stated	None
Roo Crew's Savings Account closing within six months	$20	Not stated	None
Dormant account monthly Fee	$7	per month	None
Research or Balancing Service - per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	Research or Balancing Service - per hour \| $25.00
Overdraft & NSF
Overdraft Fee per item	$34	per item	None
Non-sufficient Funds (NSF) per item	$34	per item	None
ATM & Card
Replace Debit Card or Pin (after first)	$15	Not stated	None
Replace Debit Card or Pin (first time)	$10	Not stated	None
Wire Transfers
Wire Transfers – outgoing for customer	$30	Not stated	None
Wire Transfers – incoming for customer	$20	Not stated	None
Wire Transfers – incoming for non-customer	$35	Not stated	None
Wire Transfers – International	$60	Not stated	None
Check Services
Cashier’s Checks – customer	$6	Not stated	None
Cashier’s Checks – non-customer	$20	Not stated	None
Money Orders – customer	$4	Not stated	None
Money Orders – non-customer	$8	Not stated	None
Stop Payments	$35	Not stated	None
Copies of checks, deposits or statements	$5	Not stated	None
Cash & Deposit
Chargeback of Return Items	$15	Not stated	None
Chargeback of Return Items (special)	$16	Not stated	None
Account Services
Tax Levies	$110	Not stated	None
Retirement & IRA
IRA Transfer Fee	$30	Not stated	None
Other Fees
Photocopies	$0.35	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 4, 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.