Nantahala Bank & Trust Company

Headquarters: Franklin, North Carolina
Charter: Bank
Assets: $288.8M
Fed district: Richmond

24 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.

NSF / Returned Item
Nantahala Bank & Trust Company: $29
Nantahala Bank & Trust Company: $29
U.S. median: no median
Non-Network ATM
Nantahala Bank & Trust Company: $3
Nantahala Bank & Trust Company: $3
U.S. median: no median
Wire Transfer (Domestic Out)
Nantahala Bank & Trust Company: $25
Nantahala Bank & Trust Company: $25
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 North 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).
North Carolina: Banks and credit unions headquartered in North 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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Published fee schedule

Amounts from Nantahala Bank & Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Early Closing of deposit acct. before 6 months: no$25
Dormant Account, per month: no$5
per month
Paper Statement Fee: no$3
Returned Mail - Undeliverable, After 1st Mailing: no$5

Overdraft & NSF

\ Non-Sufficient Funds (NSF)/Returned Item Fee per item/transaction: no$29
per item

ATM & Card

Non-Nantahala Bank ATM fee: no$3
Debit Card Replacement: no$5

Wire Transfers

Wire Transfers: Domestic Outgoing$25
Wire Transfers: Domestic Incoming$15
Wire Transfers: Foreign Outgoing$40
Wire Transfers: Foreign Incoming$15

Check Services

Official Checks: no$5
Stop Payment$35
Stop Payment Fee: no$29
Counter Checks per page: no$1
Check Cashing Fee, Non-Customer: no$5
Item Collection Fee (per item): no$25
per item
Check Copies, per page: no$2

Cash & Deposit

\ Returned Deposited Item: no$10

Account Services

Notary Service Fee (Non-Customer): no$10
Safe Deposit Box 10x10 (audience not stated, treated as personal)$150
Safe Deposit Box 3x10 (audience not stated, treated as personal)$75
Safe Deposit Box 3x5 (audience not stated, treated as personal)$50
Safe Deposit Box 5x10 (audience not stated, treated as personal)$100
Safe Deposit Lost Key: no$175
Not compared: Box drilling or key fee
Tax Levies or Garnishments: no$25
Legal Processing, per hour: no$50
Not compared: Charged per hour; comparison unavailable
per hour

Retirement & IRA

IRA Transfer: no$25

Other Fees

Additional Copy/Interim Statement: no$5
Loan Payoff Request: no$20

Fee	Amount	Basis	Note
Account Maintenance
Early Closing of deposit acct. before 6 months: no	$25	Not stated	None
Dormant Account, per month: no	$5	per month	None
Paper Statement Fee: no	$3	Not stated	None
Returned Mail - Undeliverable, After 1st Mailing: no	$5	Not stated	None
Overdraft & NSF
\ Non-Sufficient Funds (NSF)/Returned Item Fee per item/transaction: no	$29	per item	None
ATM & Card
Non-Nantahala Bank ATM fee: no	$3	Not stated	None
Debit Card Replacement: no	$5	Not stated	None
Wire Transfers
Wire Transfers: Domestic Outgoing	$25	Not stated	None
Wire Transfers: Domestic Incoming	$15	Not stated	None
Wire Transfers: Foreign Outgoing	$40	Not stated	None
Wire Transfers: Foreign Incoming	$15	Not stated	None
Check Services
Official Checks: no	$5	Not stated	None
Stop Payment	$35	Not stated	None
Stop Payment Fee: no	$29	Not stated	None
Counter Checks per page: no	$1	Not stated	None
Check Cashing Fee, Non-Customer: no	$5	Not stated	None
Item Collection Fee (per item): no	$25	per item	None
Check Copies, per page: no	$2	Not stated	None
Cash & Deposit
\ Returned Deposited Item: no	$10	Not stated	None
Account Services
Notary Service Fee (Non-Customer): no	$10	Not stated	None
Safe Deposit Box 10x10 (audience not stated, treated as personal)	$150	Not stated	None
Safe Deposit Box 3x10 (audience not stated, treated as personal)	$75	Not stated	None
Safe Deposit Box 3x5 (audience not stated, treated as personal)	$50	Not stated	None
Safe Deposit Box 5x10 (audience not stated, treated as personal)	$100	Not stated	None
Safe Deposit Lost Key: no	$175Not compared: Box drilling or key fee	Not stated	None
Tax Levies or Garnishments: no	$25	Not stated	None
Legal Processing, per hour: no	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Retirement & IRA
IRA Transfer: no	$25	Not stated	None
Other Fees
Additional Copy/Interim Statement: no	$5	Not stated	None
Loan Payoff Request: no	$20	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 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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