Vidalia Federal Savings Bank

Headquarters: Vidalia, Georgia
Charter: Bank
Assets: $212.0M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 26, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Freedom Plus Checking $5 · Premier Checking $7 · Premier Plus Checking $7
Compared at $7, the middle of its prices
Vidalia Federal Savings Bank: $5 to $7
Vidalia Federal Savings Bank: $5 to $7
U.S. median: no median
Overdraft (OD)
Vidalia Federal Savings Bank: $35
Vidalia Federal Savings Bank: $35
U.S. median: no median
NSF / Returned Item
Vidalia Federal Savings Bank: $35
Vidalia Federal Savings Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Georgia, the Atlanta 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).
Georgia: Banks and credit unions headquartered in Georgia that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Among its peers

Vidalia Federal Savings Bank · $212M 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.

Banks only
$202M to $220M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Vidalia Federal Savings Bank(this institution)	Vidalia, GA	$212M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Aroostook County Federal Savings and Loan Association	Caribou, ME	$214M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Badger Bank	Fort Atkinson, WI	$206M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank 21	Carrollton, MO	$202M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of Commerce	Chelsea, OK	$203M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Calhoun County Bank, Inc.	Grantsville, WV	$212M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Carroll County Trust Company of Carrollton, Missouri	Carrollton, MO	$208M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Commonwealth Co-operative Bank	Hyde Park, MA	$205M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community State Bank	Lamar, CO	$208M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
ESB Bank	Caledonia, MN	$209M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Farmers & Merchants Bank & Trust	Burlington, IA	$208M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Cahawba Bank	Selma, AL	$206M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First FSB of Mascoutah	Mascoutah, IL	$207M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Foundation Bank	Mc Kenzie, TN	$218M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Halstead Bank	Halstead, KS	$206M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Kendall Bank	Overland Park, KS	$211M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Merchants State Bank	Freeman, SD	$220M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Minnstar Bank National Association	Lake Crystal, MN	$204M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Nevada Bank and Trust Company	Caliente, NV	$217M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Paper City Savings Bank, S.A.	Wisconsin Rapids, WI	$208M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Southern Hills Community Bank	Leesburg, OH	$210M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First National Bank of Dryden	Dryden, NY	$204M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The First National Bank of Groton	Groton, NY	$204M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Jefferson Bank	Greenville, MS	$211M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Lyon County State Bank	Emporia, KS	$212M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Portage County Bank	Almond, WI	$210M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

7 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $1.01 (17%) above the median of similar-sized banks.

Compared at $7, the middle of its three prices, against a peer median of $5.99 among 18 publishing peers.

Its three checking prices are $5, $7 and $7.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Vidalia Federal Savings B…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

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 Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Vidalia Federal Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Freedom Plus Checking Monthly service charge (audience not stated, treated as personal)$5
per month
Premier Checking Monthly service charge (audience not stated, treated as personal)$7
per month
Premier Plus Checking Monthly service charge (audience not stated, treated as personal)$7
per month
Dormant Account Fee (Dormancy occurs after 3 years of no deposits or withdrawal)$5
per month

Overdraft & NSF

Overdraft – Each Overdraft Paid$35
per item
Nonsufficient Funds (NSF)$35
per item

ATM & Card

Debit Card Replacement$5

Wire Transfers

Outgoing Wire$25
Outgoing International Wire$50

Check Services

Stop Payment (ACH or Check)$35
Check Image Copy$3

Other Fees

Duplicate Statement$5

Fee	Amount	Basis	Note
Account Maintenance
Freedom Plus Checking Monthly service charge (audience not stated, treated as personal)	$5	per month	None
Premier Checking Monthly service charge (audience not stated, treated as personal)	$7	per month	None
Premier Plus Checking Monthly service charge (audience not stated, treated as personal)	$7	per month	None
Dormant Account Fee (Dormancy occurs after 3 years of no deposits or withdrawal)	$5	per month	None
Overdraft & NSF
Overdraft – Each Overdraft Paid	$35	per item	None
Nonsufficient Funds (NSF)	$35	per item	None
ATM & Card
Debit Card Replacement	$5	Not stated	None
Wire Transfers
Outgoing Wire	$25	Not stated	None
Outgoing International Wire	$50	Not stated	None
Check Services
Stop Payment (ACH or Check)	$35	Not stated	None
Check Image Copy	$3	Not stated	None
Other Fees
Duplicate Statement	$5	Not stated	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

Oct 26, 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.

Fee change alerts

Get an email when Vidalia Federal Savings Bank's ach origination changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Monthly Maintenance
Freedom Plus Checking $5 · Premier Checking $7 · Premier Plus Checking $7
Compared at $7, the middle of its prices
Vidalia Federal Savings Bank: $5 to $7
Vidalia Federal Savings Bank: $5 to $7
U.S. median: no median
Overdraft (OD)
Vidalia Federal Savings Bank: $35
Vidalia Federal Savings Bank: $35
U.S. median: no median
NSF / Returned Item
Vidalia Federal Savings Bank: $35
Vidalia Federal Savings Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Georgia, the Atlanta 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).
Georgia: Banks and credit unions headquartered in Georgia that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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.

Among its peers

Vidalia Federal Savings Bank · $212M 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.

Banks only
$202M to $220M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Vidalia Federal Savings Bank(this institution)	Vidalia, GA	$212M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Aroostook County Federal Savings and Loan Association	Caribou, ME	$214M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Badger Bank	Fort Atkinson, WI	$206M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank 21	Carrollton, MO	$202M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of Commerce	Chelsea, OK	$203M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Calhoun County Bank, Inc.	Grantsville, WV	$212M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Carroll County Trust Company of Carrollton, Missouri	Carrollton, MO	$208M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Commonwealth Co-operative Bank	Hyde Park, MA	$205M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community State Bank	Lamar, CO	$208M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
ESB Bank	Caledonia, MN	$209M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Farmers & Merchants Bank & Trust	Burlington, IA	$208M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Cahawba Bank	Selma, AL	$206M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First FSB of Mascoutah	Mascoutah, IL	$207M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Foundation Bank	Mc Kenzie, TN	$218M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Halstead Bank	Halstead, KS	$206M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Kendall Bank	Overland Park, KS	$211M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Merchants State Bank	Freeman, SD	$220M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Minnstar Bank National Association	Lake Crystal, MN	$204M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Nevada Bank and Trust Company	Caliente, NV	$217M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Paper City Savings Bank, S.A.	Wisconsin Rapids, WI	$208M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Southern Hills Community Bank	Leesburg, OH	$210M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First National Bank of Dryden	Dryden, NY	$204M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The First National Bank of Groton	Groton, NY	$204M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Jefferson Bank	Greenville, MS	$211M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Lyon County State Bank	Emporia, KS	$212M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Portage County Bank	Almond, WI	$210M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

7 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $1.01 (17%) above the median of similar-sized banks.

Compared at $7, the middle of its three prices, against a peer median of $5.99 among 18 publishing peers.

Its three checking prices are $5, $7 and $7.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Vidalia Federal Savings B…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

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 Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Vidalia Federal Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Freedom Plus Checking Monthly service charge (audience not stated, treated as personal)$5
per month
Premier Checking Monthly service charge (audience not stated, treated as personal)$7
per month
Premier Plus Checking Monthly service charge (audience not stated, treated as personal)$7
per month
Dormant Account Fee (Dormancy occurs after 3 years of no deposits or withdrawal)$5
per month

Overdraft & NSF

Overdraft – Each Overdraft Paid$35
per item
Nonsufficient Funds (NSF)$35
per item

ATM & Card

Debit Card Replacement$5

Wire Transfers

Outgoing Wire$25
Outgoing International Wire$50

Check Services

Stop Payment (ACH or Check)$35
Check Image Copy$3

Other Fees

Duplicate Statement$5

Fee	Amount	Basis	Note
Account Maintenance
Freedom Plus Checking Monthly service charge (audience not stated, treated as personal)	$5	per month	None
Premier Checking Monthly service charge (audience not stated, treated as personal)	$7	per month	None
Premier Plus Checking Monthly service charge (audience not stated, treated as personal)	$7	per month	None
Dormant Account Fee (Dormancy occurs after 3 years of no deposits or withdrawal)	$5	per month	None
Overdraft & NSF
Overdraft – Each Overdraft Paid	$35	per item	None
Nonsufficient Funds (NSF)	$35	per item	None
ATM & Card
Debit Card Replacement	$5	Not stated	None
Wire Transfers
Outgoing Wire	$25	Not stated	None
Outgoing International Wire	$50	Not stated	None
Check Services
Stop Payment (ACH or Check)	$35	Not stated	None
Check Image Copy	$3	Not stated	None
Other Fees
Duplicate Statement	$5	Not stated	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

Oct 26, 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.