vs. U.S. typical range:LowerTypicalHigher
$3 below the national median$1.97 below the North Carolina median
per month · Source
$6 below the national median$4.97 below the North Carolina median
per month · Source
$10 below the national median$9 below the North Carolina median
—
per transaction · Source
$1.25 below the national median$0.25 below the North Carolina median
$3 above the national median$3 above the North Carolina median
per item · Source
At the national median$2.50 below the North Carolina median
At the national medianAt the North Carolina median
per item · Source
$7.50 above the national median$8 above the North Carolina median
$12.50 above the national median$13 above the North Carolina median
$5 below the national medianAt the North Carolina median
per item · Source
$55 above the national median$47.50 above the North Carolina median
$5 above the national median$2.50 below the North Carolina median
$10 above the national median$2.50 above the North Carolina median
$20 below the national median$27.50 below the North Carolina median
$15 below the national median$22.50 below the North Carolina median
$30 above the national median$22.50 above the North Carolina median
$25 above the national median$17.50 above the North Carolina median
$15 above the national median$7.50 above the North Carolina median
$35 above the national median$27.50 above the North Carolina median
$45 above the national median$37.50 above the North Carolina median
$25 below the national median$32.50 below the North Carolina median
$50 above the national median$30 above 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 | |||||
| E-Checking Monthly maintenance fee | $3Below the typical range ($4–$10 nationally) | $3 below the national median$1.97 below the North Carolina median | per month | — | Source |
| Monthly Service Fee | $0Below the typical range ($4–$10 nationally) | $6 below the national median$4.97 below the North Carolina median | per month | — | Source |
Overdraft & NSFVerified | |||||
| Overdraft/Insufficient Funds (NSF) fee: First occurrence | $20Below the typical range ($25–$33 nationally) | $10 below the national median$9 below the North Carolina median | — | — | Source |
ATM & CardVerified | |||||
| Foreign transactions | 2%of the transaction | — | per transaction | — | Source |
Check ServicesVerified | |||||
| Counter checks (applies to all customers) | $0.75Below the typical range ($1–$4 nationally) | $1.25 below the national median$0.25 below the North Carolina median | — | — | Source |
| Check cashing fee per check (non-customers) | $8 | ||||
Digital & ElectronicVerified | |||||
| Proof of payment less than six months old for bill payment not in dispute | $10Above the typical range ($0–$9.95 nationally) | $7.50 above the national median$8 above the North Carolina median | — | — | Source |
| Proof of payment more than six months old for bill payment not in dispute | $15 | ||||
Cash & DepositVerified | |||||
| CALL 1-855-ASK-SBANK: Returned Check Chargeback (each) | $10Within the typical range ($8–$25 nationally) | $5 below the national medianAt the North Carolina median | per item | — | Source |
| Replace lost night deposit head key | $5 | ||||
Account ServicesVerified | |||||
| Safe Deposit Box 10”x 11” | $100Above the typical range ($30–$70 nationally) | $55 above the national median$47.50 above the North Carolina median | — | — | Source |
| Safe Deposit Box 3”x 10” | $50 | ||||
Other FeesVerified | |||||
| Copy fee per statement | $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
$20
Headline fees published
4 of 15
Published fees
24
Under review
0
Assets
$5.3B
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Financial Context
Financials as of Q2 2026 · FDIC call report
Total assets
$5.3B
Total deposits
$4.8B
Service charge income
$2.8M
Fee income ratio
5.1%
Return on assets
1.91%
Branches
56
Service charge income by quarter
Financial profile · Pro
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| $3 above the national median$3 above the North Carolina median |
| per item |
| — |
| Source |
| Collection items (plus actual expenses paid to others) | $20Within the typical range ($10–$25 nationally) | At the national median$2.50 below the North Carolina median | — | — | Source |
| Copy fee for checks, deposit slips and other documents (per item or page) | $3Within the typical range ($2–$5 nationally) | At the national medianAt the North Carolina median | per item | — | Source |
| $12.50 above the national median$13 above the North Carolina median |
| — |
| — |
| Source |
| $5 below the national median |
| — |
| — |
| Source |
| $5 above the national median$2.50 below the North Carolina median |
| — |
| — |
| Source |
| Safe Deposit Box 3”x 11” | $55Within the typical range ($30–$70 nationally) | $10 above the national median$2.50 above the North Carolina median | — | — | Source |
| Safe Deposit Box 3”x 5” | $25Below the typical range ($30–$70 nationally) | $20 below the national median$27.50 below the North Carolina median | — | — | Source |
| Safe Deposit Box 4”x 5” | $30Within the typical range ($30–$70 nationally) | $15 below the national median$22.50 below the North Carolina median | — | — | Source |
| Safe Deposit Box 5.5”x 11” | $75Above the typical range ($30–$70 nationally) | $30 above the national median$22.50 above the North Carolina median | — | — | Source |
| Safe Deposit Box 5”x 10” | $70Within the typical range ($30–$70 nationally) | $25 above the national median$17.50 above the North Carolina median | — | — | Source |
| Safe Deposit Box 5"x 8” | $60Within the typical range ($30–$70 nationally) | $15 above the national median$7.50 above the North Carolina median | — | — | Source |
| Safe Deposit Box 6”x10” | $80Above the typical range ($30–$70 nationally) | $35 above the national median$27.50 above the North Carolina median | — | — | Source |
| Safe Deposit Box 8”x 10” | $90Above the typical range ($30–$70 nationally) | $45 above the national median$37.50 above the North Carolina median | — | — | Source |
| Small Safe Deposit Boxes | $20Below the typical range ($30–$70 nationally) | $25 below the national median$32.50 below the North Carolina median | — | — | Source |
| Legal process handling (Tax levies, garnishments, etc.) | $100Above the typical range ($30–$90 nationally) | $50 above the national median$30 above the North Carolina median | — | — | Source |