Southern Bank and Trust Company

Headquarters: Mount Olive, North Carolina
Charter: Bank
Assets: $5.3B
Fed district: Richmond

14 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.

Monthly Maintenance
Compared at $1.50, the middle of its prices
Southern Bank and Trust Company: $0 to $3
Southern Bank and Trust Company: $0 to $3
U.S. median: no median
Overdraft (OD)
Southern Bank and Trust Company: $20
Southern Bank and Trust Company: $20
U.S. median: no median
NSF / Returned Item
Southern Bank and Trust Company: $20
Southern Bank and Trust Company: $20
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 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 Southern Bank and Trust Company’s own schedules, with a source for each figure.

Account Maintenance

E-Checking Monthly maintenance fee$3
per month
Monthly Service FeeNo charge
per month

Overdraft & NSF

Overdraft/Insufficient Funds (NSF) fee: First occurrence$20
Overdraft/Insufficient Funds (NSF) fee: First occurrence$20

ATM & Card

Foreign transactions2%of the transaction
per transaction

Check Services

Counter checks (applies to all customers)$0.75
Check cashing fee per check (non-customers)$8
per item
Collection items (plus actual expenses paid to others)$20
Copy fee for checks, deposit slips and other documents (per item or page)$3
per item

Digital & Electronic

Proof of payment less than six months old for bill payment not in dispute$10
Proof of payment more than six months old for bill payment not in dispute$15

Cash & Deposit

Returned Check Chargeback (each)$10
per item
Replace lost night deposit head key$5

Account Services

FEES FOR OTHER PERSONAL SERVICES: 5”x 5”$40
Lost Key (replacement fee)$30
Not compared: Box drilling or key fee
Safe Deposit Box 10”x 11”$100
Safe Deposit Box 3”x 10”$50
Safe Deposit Box 3”x 11”$55
Safe Deposit Box 3”x 5”$25
Safe Deposit Box 4”x 5”$30
Safe Deposit Box 5.5”x 11”$75
Safe Deposit Box 5”x 10”$70
Safe Deposit Box 5"x 8”$60
Safe Deposit Box 6”x10”$80
Safe Deposit Box 8”x 10”$90
Small Safe Deposit Boxes$20
Legal process handling (Tax levies, garnishments, etc.)$100
Deposit verification$8

Other Fees

Copy fee per statement$5
Interim statements: With checks$8
Interim statements: Without checks$5

Fee	Amount	Basis	Note
Account Maintenance
E-Checking Monthly maintenance fee	$3	per month	None
Monthly Service Fee	No charge	per month	None
Overdraft & NSF
Overdraft/Insufficient Funds (NSF) fee: First occurrence	$20	Not stated	None
Overdraft/Insufficient Funds (NSF) fee: First occurrence	$20	Not stated	None
ATM & Card
Foreign transactions	2%of the transaction	per transaction	None
Check Services
Counter checks (applies to all customers)	$0.75	Not stated	None
Check cashing fee per check (non-customers)	$8	per item	None
Collection items (plus actual expenses paid to others)	$20	Not stated	None
Copy fee for checks, deposit slips and other documents (per item or page)	$3	per item	None
Digital & Electronic
Proof of payment less than six months old for bill payment not in dispute	$10	Not stated	None
Proof of payment more than six months old for bill payment not in dispute	$15	Not stated	None
Cash & Deposit
Returned Check Chargeback (each)	$10	per item	None
Replace lost night deposit head key	$5	Not stated	None
Account Services
FEES FOR OTHER PERSONAL SERVICES: 5”x 5”	$40	Not stated	None
Lost Key (replacement fee)	$30Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10”x 11”	$100	Not stated	None
Safe Deposit Box 3”x 10”	$50	Not stated	None
Safe Deposit Box 3”x 11”	$55	Not stated	None
Safe Deposit Box 3”x 5”	$25	Not stated	None
Safe Deposit Box 4”x 5”	$30	Not stated	None
Safe Deposit Box 5.5”x 11”	$75	Not stated	None
Safe Deposit Box 5”x 10”	$70	Not stated	None
Safe Deposit Box 5"x 8”	$60	Not stated	None
Safe Deposit Box 6”x10”	$80	Not stated	None
Safe Deposit Box 8”x 10”	$90	Not stated	None
Small Safe Deposit Boxes	$20	Not stated	None
Legal process handling (Tax levies, garnishments, etc.)	$100	Not stated	None
Deposit verification	$8	Not stated	None
Other Fees
Copy fee per statement	$5	Not stated	None
Interim statements: With checks	$8	Not stated	None
Interim statements: Without checks	$5	Not stated	None

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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