The Commercial Bank of Grayson

Headquarters: Grayson, Kentucky
Charter: Bank
Assets: $242.0M
Fed district: Cleveland

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

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

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

Overdraft (OD)
The Commercial Bank of Grayson: $19.95
The Commercial Bank of Grayson: $19.95
U.S. median: no median
NSF / Returned Item
The Commercial Bank of Grayson: $19.95
The Commercial Bank of Grayson: $19.95
U.S. median: no median
Non-Network ATM
The Commercial Bank of Grayson: $2
The Commercial Bank of Grayson: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Kentucky, the Cleveland 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).
Kentucky: Banks and credit unions headquartered in Kentucky that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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 The Commercial Bank of Grayson’s own schedules, with a source for each figure.

Account Maintenance

Early Closure of Account (within 180 days of opening)$25
Dormant Fee\$5
per month
Account Reconciliation ($25 minimum) (audience not stated, treated as personal)$25
Account Research ($25 minimum)$25
Excess Withdrawal Fee-Money Market (>6 per mo)$5
per item
Excess Withdrawal Fee-Savings (>6 per mo)$5
per item

Overdraft & NSF

Overdraft Item Fee – Per item, Per Presentment$19.95
per item
UCF Paid Item Fee$19.95
UCF Returned Item Fee$19.95
Extended Overdraft Fee (charged weekly)$5
Automatic Transfer from Savings to cover overdraft$5
per item

ATM & Card

Foreign ATM Transaction Fee$2
per item
ATM/Debit Replacement Cards$5
per item

Wire Transfers

Wire Transfers – Outgoing$25
per item
Wire Transfers – Incoming$15
per item

Check Services

Cashier Checks (customers only)$5
per item
Money Orders$5
per item
Stop Payments$25

Other Fees

Photocopies$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Early Closure of Account (within 180 days of opening)	$25	Not stated	None
Dormant Fee\	$5	per month	None
Account Reconciliation ($25 minimum) (audience not stated, treated as personal)	$25	Not stated	None
Account Research ($25 minimum)	$25	Not stated	None
Excess Withdrawal Fee-Money Market (>6 per mo)	$5	per item	None
Excess Withdrawal Fee-Savings (>6 per mo)	$5	per item	None
Overdraft & NSF
Overdraft Item Fee – Per item, Per Presentment	$19.95	per item	None
UCF Paid Item Fee	$19.95	Not stated	None
UCF Returned Item Fee	$19.95	Not stated	None
Extended Overdraft Fee (charged weekly)	$5	Not stated	None
Automatic Transfer from Savings to cover overdraft	$5	per item	None
ATM & Card
Foreign ATM Transaction Fee	$2	per item	None
ATM/Debit Replacement Cards	$5	per item	None
Wire Transfers
Wire Transfers – Outgoing	$25	per item	None
Wire Transfers – Incoming	$15	per item	None
Check Services
Cashier Checks (customers only)	$5	per item	None
Money Orders	$5	per item	None
Stop Payments	$25	Not stated	None
Other Fees
Photocopies	$0.25	per item	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 2, 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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