14 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 2, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $1.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Southern Bank and Trust Company · $5.3B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Southern Bank and Trust Company(this institution) | Mount Olive, NC | $5.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Alerus Financial, National Association | Grand Forks, ND | $5.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Banesco USA | Miami, FL | $6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bar Harbor Bank & Trust | Bar Harbor, ME | $4.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Broadway National Bank | San Antonio, TX | $5.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Carter Bank & Trust | Martinsville, VA | $4.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Community Bank of Mississippi | Flowood, MS | $5.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community West Bank | Fresno, CA | $5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Emigrant Bank | Miami, FL | $5.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| First Internet Bank of Indiana | Fishers, IN | $5.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First National Bank Alaska | Anchorage, AK | $5.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Firstrust Savings Bank | Conshohocken, PA | $5.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Great Southern Bank | Reeds Spring, MO | $5.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hills Bank and Trust Company | Hills, IA | $4.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Independent Bank | Grand Rapids, MI | $5.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Institution for Savings in Newburyport and Its Vicinity | Newburyport, MA | $5.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Morton Community Bank | Morton, IL | $5.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northeast Bank | Portland, ME | $5.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Orrstown Bank | Harrisburg, PA | $5.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| PeoplesBank | Holyoke, MA | $4.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southern Bank | Poplar Bluff, MO | $5.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Southern First Bank | Greenville, SC | $4.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Fidelity Bank | Fuquay Varina, NC | $4.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Westamerica Bank | San Rafael, CA | $5.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wheaton Bank & Trust, National Association | Wheaton, IL | $4.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Wilson Bank and Trust | Lebanon, TN | $6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $1.50, the middle of its two prices, against a peer median of $10 among 14 publishing peers.
Its two checking prices are $0 and $3.
$1.50 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.
Amounts from Southern Bank and Trust Company’s own schedules, with a source for each figure.
per transaction
| 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 |
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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