Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community bank, under $300M

First Federal Savings and Loan Association of Valdosta

Valdosta, GeorgiaBankAtlanta Fed districtFees collected Oct 3, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Overdraft & NSFVerified

Overdraft Fee$35Above the typical range ($20–$30 nationally)

Knox deterministic extraction from Rosetta artifact #1323. canonical_hint=overdraft; text_hash=9a88e554f0d7ea1962f54adf512d9aee08d93bd1ab404e2213a6cb1a0d520cb8; excerpt="Overdraft Fee / $35.00" · Source

Overdraft Transfer Fee$7

$2 above the national median

Knox deterministic extraction from Rosetta artifact #1323. canonical_hint=od_protection_transfer; text_hash=9a88e554f0d7ea1962f54adf512d9aee08d93bd1ab404e2213a6cb1a0d520cb8; excerpt="Overdraft Transfer Fee / $7.00" · Source

Returned Item Fee$35

$6 above the national median

Knox deterministic extraction from Rosetta artifact #1323. canonical_hint=nsf; text_hash=9a88e554f0d7ea1962f54adf512d9aee08d93bd1ab404e2213a6cb1a0d520cb8; excerpt="Returned Item Fee / $35.00" · Source

ATM & CardVerified

Customized Debit Card/Replacement Card$12Above the typical range ($5–$10 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #1323. canonical_hint=card_replacement; text_hash=9a88e554f0d7ea1962f54adf512d9aee08d93bd1ab404e2213a6cb1a0d520cb8; excerpt="Customized Debit Card/Replacement Card / $12.00" · Source
Replacement ATM/DEBIT Card$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1323. canonical_hint=card_replacement; text_hash=9a88e554f0d7ea1962f54adf512d9aee08d93bd1ab404e2213a6cb1a0d520cb8; excerpt="Replacement ATM/DEBIT Card / $10.00" · Source

Check ServicesVerified

Bank checks$5Within the typical range ($3–$6 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1323. canonical_hint=cashiers_check; text_hash=9a88e554f0d7ea1962f54adf512d9aee08d93bd1ab404e2213a6cb1a0d520cb8; excerpt="Bank checks / $5.00" · Source
Stop Payment$30Within the typical range ($20–$30 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #1323. canonical_hint=stop_payment; text_hash=9a88e554f0d7ea1962f54adf512d9aee08d93bd1ab404e2213a6cb1a0d520cb8; excerpt="Stop Payment / $30.00" · Source

Account ServicesVerified

Garnishment/Levy Processing$50Within the typical range ($25–$75 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1323. canonical_hint=garnishment_levy; text_hash=9a88e554f0d7ea1962f54adf512d9aee08d93bd1ab404e2213a6cb1a0d520cb8; excerpt="Garnishment/Levy Processing / $50.00" · Source

Other FeesVerified

Statement Copy (without checks)$4Within the typical range ($2–$5 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #1323. canonical_hint=document_reproduction; text_hash=9a88e554f0d7ea1962f54adf512d9aee08d93bd1ab404e2213a6cb1a0d520cb8; excerpt="Statement Copy (without checks) / $4.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Overdraft & NSFVerified
Overdraft Fee	$35Above the typical range ($20–$30 nationally)	$6 above the national median	—	Knox deterministic extraction from Rosetta artifact #1323. canonical_hint=overdraft; text_hash=9a88e554f0d7ea1962f54adf512d9aee08d93bd1ab404e2213a6cb1a0d520cb8; excerpt="Overdraft Fee / $35.00"	Source
Overdraft Transfer Fee	$7Above the typical range ($2.50–$5 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #1323. canonical_hint=od_protection_transfer; text_hash=9a88e554f0d7ea1962f54adf512d9aee08d93bd1ab404e2213a6cb1a0d520cb8; excerpt="Overdraft Transfer Fee / $7.00"	Source
Returned Item Fee	$35Above the typical range ($25–$32 nationally)	$6 above the national median	—	Knox deterministic extraction from Rosetta artifact #1323. canonical_hint=nsf; text_hash=9a88e554f0d7ea1962f54adf512d9aee08d93bd1ab404e2213a6cb1a0d520cb8; excerpt="Returned Item Fee / $35.00"	Source
ATM & CardVerified
Customized Debit Card/Replacement Card	$12Above the typical range ($5–$10 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #1323. canonical_hint=card_replacement; text_hash=9a88e554f0d7ea1962f54adf512d9aee08d93bd1ab404e2213a6cb1a0d520cb8; excerpt="Customized Debit Card/Replacement Card / $12.00"	Source
Replacement ATM/DEBIT Card
Check ServicesVerified
Bank checks	$5Within the typical range ($3–$6 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #1323. canonical_hint=cashiers_check; text_hash=9a88e554f0d7ea1962f54adf512d9aee08d93bd1ab404e2213a6cb1a0d520cb8; excerpt="Bank checks / $5.00"	Source
Stop Payment	$30
Account ServicesVerified
Garnishment/Levy Processing	$50Within the typical range ($25–$75 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #1323. canonical_hint=garnishment_levy; text_hash=9a88e554f0d7ea1962f54adf512d9aee08d93bd1ab404e2213a6cb1a0d520cb8; excerpt="Garnishment/Levy Processing / $50.00"	Source
Other FeesVerified
Statement Copy (without checks)	$4Within the typical range ($2–$5 nationally)	$1 above the national median	—	Knox deterministic extraction from Rosetta artifact #1323. canonical_hint=document_reproduction; text_hash=9a88e554f0d7ea1962f54adf512d9aee08d93bd1ab404e2213a6cb1a0d520cb8; excerpt="Statement Copy (without checks) / $4.00"	Source

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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

21% above the national median overdraft fee

Total fees: 9 — leaner than most institutions

Verified fees

Under review

Assets

$278.5M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$278.5M

Total deposits

$208.5M

Service charge income

$90K

Fee income ratio

3.1%

Return on assets

0.82%

Branches

Service charge income by quarter

Q2 2026$90K

Q1 2026$91K

Q4 2025$96K

Q3 2025$96K

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 21,453 verified fees from 2,141 institutions

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