vs. U.S. typical range:LowerTypicalHigher
$7.50 above the national median$7.50 above the North Carolina median
At the national medianAt the North Carolina median
per month · Source
$12.50 below the national median$6 below the North Carolina median
At the national median$0.50 above the North Carolina median
$1 below the national medianAt the North Carolina median
per item · Source
$1 below the national median$4 above the North Carolina median
per item · Source
$1.50 above the national median$1.25 above the North Carolina median
$5 below the national medianAt the North Carolina median
At the national median$1 above the North Carolina median
$1.50 above the national medianAt the North Carolina median
$1 below the national medianAt the North Carolina median
At the national medianAt the North Carolina median
$5 above the national median$2.50 above the North Carolina median
per item · Source
$1 below the national median$1 below the North Carolina median
$5 below the national medianAt the North Carolina median
$7.50 above the national median$7 above the North Carolina median
$130 above the national median$122.50 above the North Carolina median
$25 below the national median$45 below the North Carolina median
At the national medianAt the North Carolina median
$2 above the national medianAt the North Carolina median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Early Closing of deposit acct. before 6 months: no | $25Within the typical range ($10–$25 nationally) | $7.50 above the national median$7.50 above the North Carolina median | — | — | Source |
| Dormant Account, per month: no | $5Within the typical range ($5–$10 nationally) | At the national medianAt the North Carolina median | per month | — | Source |
| Returned Mail - Undeliverable, After 1st Mailing: no | $5Below the typical range ($12–$25 nationally) | $12.50 below the national median$6 below the North Carolina median | — | — | Source |
| Paper Statement Fee: no | $3Within the typical range ($2–$4.76 nationally) | At the national median$0.50 above the North Carolina median | — | — | Source |
Overdraft & NSFVerified | |||||
| \ Overdraft Fee per item/transaction (maximum of 5 fees per day): no | $29Within the typical range ($25–$33 nationally) | $1 below the national medianAt the North Carolina median | per item | — | Source |
| \ Non-Sufficient Funds (NSF)/Returned Item Fee per item/transaction: no | $29 | ||||
ATM & CardVerified | |||||
| Non-Nantahala Bank ATM fee: no | $3Above the typical range ($1–$2.25 nationally) | $1.50 above the national median$1.25 above the North Carolina median | — | — | Source |
| Debit Card Replacement: no | $5 | ||||
Check ServicesVerified | |||||
| Official Checks: no | $5Within the typical range ($3–$6 nationally) | At the national median$1 above the North Carolina median | — | — | Source |
| Stop Payment Fee: no | $29 | ||||
Cash & DepositVerified | |||||
| \ Returned Deposited Item: no | $10Within the typical range ($8–$25 nationally) | $5 below the national medianAt the North Carolina median | — | — | Source |
Account ServicesVerified | |||||
| Notary Service Fee (Non-Customer): no | $10Above the typical range ($0–$5 nationally) | $7.50 above the national median$7 above the North Carolina median | — | — | Source |
| Safe Deposit Lost Key: no | $175 | ||||
Retirement & IRAVerified | |||||
| IRA Transfer: no | $25Within the typical range ($25–$35 nationally) | At the national medianAt the North Carolina median | — | — | Source |
Other FeesVerified | |||||
| Additional Copy/Interim Statement: no | $5Within the typical range ($2–$5 nationally) | $2 above the national medianAt the North Carolina median | — | — | Source |
Fee change alerts
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Headline fees vs. national median
Overdraft
$29
Headline fees published
8 of 15
Published fees
21
Under review
0
Assets
$288.8M
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Financial Context
Financials as of Q2 2026 · FDIC call report
Total assets
$288.8M
Total deposits
$260.4M
Service charge income
$72K
Fee income ratio
1.9%
Return on assets
1.64%
Branches
3
Service charge income by quarter
Financial profile · Pro
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| $1 below the national median$4 above the North Carolina median |
| per item |
| — |
| Source |
| $5 below the national medianAt the North Carolina median |
| — |
| — |
| Source |
| $1.50 above the national medianAt the North Carolina median |
| — |
| — |
| Source |
| Counter Checks per page: no | $1Within the typical range ($1–$4 nationally) | $1 below the national medianAt the North Carolina median | — | — | Source |
| Check Cashing Fee, Non-Customer: no | $5Within the typical range ($5–$10 nationally) | At the national medianAt the North Carolina median | — | — | Source |
| Item Collection Fee (per item): no | $25Within the typical range ($10–$25 nationally) | $5 above the national median$2.50 above the North Carolina median | per item | — | Source |
| Check Copies, per page: no | $2Within the typical range ($2–$5 nationally) | $1 below the national median$1 below the North Carolina median | — | — | Source |
| $130 above the national median$122.50 above the North Carolina median |
| — |
| — |
| Source |
| Tax Levies or Garnishments: no | $25Below the typical range ($30–$90 nationally) | $25 below the national median$45 below the North Carolina median | — | — | Source |
| Legal Processing, per hour: no | $50Within the typical range ($30–$100 nationally) | At the national median | — | — | Source |