Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, under $300M

The Peoples Bank

Chestertown, MarylandBankRichmond Fed districtFees collected Mar 11, 2026Financials Q3 2025

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account reconciliation$25Within the typical range ($17.50–$25 nationally)

Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=account_research; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Account reconciliation | $25.00 per hour" · Source

Early account closing (within 90 days)$15

At the national median

Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=early_closure; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Early account closing (within 90 days) | $15.00" · Source

monthly service charge will be assessed if minimum balance is not maintained. A$5

$0.99 below the national median

per month · Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=monthly_maintenance; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="2. A $5.00 monthly service charge will be assessed if minimum balance is not maintained. A $5.00 fee will be assessed for each withdrawal in excess of six (6) per statement cycle." · Source

Payroll ACH monthly fee$4

$1.99 below the national median

Overdraft & NSFVerified

Overdraft fee$35Above the typical range ($25–$31 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=overdraft; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Overdraft fee | $35.00" · Source
Returned Item for Non-Sufficient Funds$35Above the typical range ($25–$31 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=nsf; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Returned Item for Non-Sufficient Funds | $35.00" · Source

ATM & CardVerified

ATM/debit card replacement (lost, stolen, damaged)$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=card_replacement; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="ATM/debit card replacement (lost, stolen, damaged) | $10.00" · Source
Foreign ATM fee$1Within the typical range ($1–$2.50 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=atm_non_network; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Foreign ATM fee | $1.00" · Source

Wire TransfersVerified

Wire transfers | Domestic, incoming$10Within the typical range ($5–$15 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=wire_domestic_incoming; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Wire transfers | Domestic, incoming — $10.00 per transfer Domestic, outgoing — $20.00 per transfer Foreign, incoming — $10.00 per transfer Foreign, outgoing — $57.00 per transfer" · Source

Check ServicesVerified

Cashier’s check$6Within the typical range ($3–$6 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=cashiers_check; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Cashier’s check | $6.00" · Source
Copy of check (deposit or withdrawal)$3Within the typical range ($2–$5 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=check_image; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Copy of check (deposit or withdrawal) | $3.00" · Source
Counter check$0.50Below the typical range ($1–$4 nationally)
$1.50 below the national median
Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=counter_check; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Counter check | $0.50" · Source
Stop payment fee$35Above the typical range ($20–$30 nationally)
$8 above the national median
Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=stop_payment; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Stop payment fee | $35.00" · Source

Digital & ElectronicVerified

Payroll ACH return fee$3Below the typical range ($15–$30 nationally)
$22 below the national median
Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=ach_return; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Payroll ACH return fee | $3.00 per return" · Source

Cash & DepositVerified

Night deposit bags (2 or fewer)$10Within the typical range ($5–$20 nationally)
$3.50 below the national median
Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=night_deposit; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Night deposit bags (2 or fewer) | $10.00" · Source
Night deposit bags (3 or more)$5Within the typical range ($5–$20 nationally)
$8.50 below the national median
Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=night_deposit; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Night deposit bags (3 or more) | $5.00" · Source
Returned deposited check$10Within the typical range ($10–$25 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=deposited_item_return; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Returned deposited check | $10.00" · Source

Account ServicesVerified

Attachments/levies$150Above the typical range ($30–$75 nationally)
$100 above the national median
Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=garnishment_levy; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Attachments/levies | $150.00 per occurrence" · Source
Safe deposit box annual fee | 3" × 5"$35Within the typical range ($25–$75 nationally)
$7.50 below the national median
per year · Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=safe_deposit_box; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Safe deposit box annual fee | 3" × 5" — $35.00 5" × 5" — $40.00 3" × 10" — $45.00 5" × 10" — $70.00 10" × 10" — $125.00 15" × 10" — $185.00" · Source
Safe deposit box key: | Loss of 1 key$10Below the typical range ($25–$75 nationally)
$32.50 below the national median
Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=safe_deposit_box; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Safe deposit box key: | Loss of 1 key — $10.00 Loss of both keys — cost of drilling" · Source

Retirement & IRAVerified

IRA transfer fee$10Below the typical range ($25–$35 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=ira_termination; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="IRA transfer fee | $10.00" · Source

Gift & Prepaid CardsVerified

Gift cards$4.95Within the typical range ($3–$4.95 nationally)
$1.45 above the national median
Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=gift_card_purchase; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Gift cards | $4.95" · Source

Other FeesVerified

Copy of statement$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=document_reproduction; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Copy of statement | $5.00" · Source
Photocopies$0.50Below the typical range ($2–$5 nationally)
$2.50 below the national median
Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=document_reproduction; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Photocopies | $0.50 per copy" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account reconciliation	$25Within the typical range ($17.50–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=account_research; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Account reconciliation \| $25.00 per hour"	Source
Early account closing (within 90 days)	$15Within the typical range ($10–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=early_closure; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Early account closing (within 90 days) \| $15.00"	Source
monthly service charge will be assessed if minimum balance is not maintained. A	$5Within the typical range ($3–$10 nationally)	$0.99 below the national median	per month	Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=monthly_maintenance; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="2. A $5.00 monthly service charge will be assessed if minimum balance is not maintained. A $5.00 fee will be assessed for each withdrawal in excess of six (6) per statement cycle."	Source
Payroll ACH monthly fee	$4Within the typical range ($3–$10 nationally)	$1.99 below the national median	per month	Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=monthly_maintenance; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Payroll ACH monthly fee \| $4.00 per month"	Source
Overdraft & NSFVerified
Overdraft fee	$35Above the typical range ($25–$31 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=overdraft; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Overdraft fee \| $35.00"	Source
Returned Item for Non-Sufficient Funds	$35
ATM & CardVerified
ATM/debit card replacement (lost, stolen, damaged)	$10Within the typical range ($5–$10 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=card_replacement; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="ATM/debit card replacement (lost, stolen, damaged) \| $10.00"	Source
Foreign ATM fee
Wire TransfersVerified
Wire transfers \| Domestic, incoming	$10Within the typical range ($5–$15 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=wire_domestic_incoming; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Wire transfers \| Domestic, incoming — $10.00 per transfer Domestic, outgoing — $20.00 per transfer Foreign, incoming — $10.00 per transfer Foreign, outgoing — $57.00 per transfer"	Source
Check ServicesVerified
Cashier’s check	$6Within the typical range ($3–$6 nationally)	$1 above the national median	—	Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=cashiers_check; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Cashier’s check \| $6.00"	Source
Copy of check (deposit or withdrawal)	$3
Digital & ElectronicVerified
Payroll ACH return fee	$3Below the typical range ($15–$30 nationally)	$22 below the national median	—	Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=ach_return; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Payroll ACH return fee \| $3.00 per return"	Source
Cash & DepositVerified
Night deposit bags (2 or fewer)	$10Within the typical range ($5–$20 nationally)	$3.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=night_deposit; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Night deposit bags (2 or fewer) \| $10.00"	Source
Night deposit bags (3 or more)
Account ServicesVerified
Attachments/levies	$150Above the typical range ($30–$75 nationally)	$100 above the national median	—	Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=garnishment_levy; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Attachments/levies \| $150.00 per occurrence"	Source
Safe deposit box annual fee \| 3" × 5"
Retirement & IRAVerified
IRA transfer fee	$10Below the typical range ($25–$35 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=ira_termination; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="IRA transfer fee \| $10.00"	Source
Gift & Prepaid CardsVerified
Gift cards	$4.95Within the typical range ($3–$4.95 nationally)	$1.45 above the national median	—	Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=gift_card_purchase; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Gift cards \| $4.95"	Source
Other FeesVerified
Copy of statement	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #8092. canonical_hint=document_reproduction; text_hash=ded10a32c3b11e4e289e225c7b93913bff27799c12014a280b321a3c84ef29c4; excerpt="Copy of statement \| $5.00"	Source
Photocopies	$0.50

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$35

Overdraft fee: $35

17% above the national median overdraft fee

Total fees: 24 — leaner than most institutions

Headline fees published

9 of 15

Published fees

Under review

Assets

$293.2M

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Financial Context

Size and fee revenue

Financials as of Q3 2025 · FDIC call report

Total assets

$293.2M

Total deposits

$252.0M

Service charge income

$116K

Fee income ratio

2.6%

Return on assets

1.12%

Branches

Service charge income by quarter

Q3 2025$116K

Q2 2025$113K

Q1 2025$103K

Q4 2024$104K

Financial profile · Pro

Performance from regulator filings

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Based on 27,539 verified fees from 2,277 institutions

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