Fee schedule collected Apr 4, 2026 · Financials as of Q1 2026
Verified fees
50
Under review
0
Assets
$4.4B
Fee benchmark score
Not scored
Financials as of
Q1 2026
Headline fees vs. national median
Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.
Overdraft
$33
Fee Schedule
Verified fees power benchmarks; fees under review do not.
one time · Applies to checking and money market accounts if closed within first six months · Source
per item · Per hour · Source
per item · Source
per month · After three months with no activity; applies only to checking or money market accounts with balances under $100 · Source
per month · Premier Checking, Loyalty Checking, Primetime Checking customers, no charge · Source
per month · If balance falls below $5,000 minimum · Source
per month · If minimum balance of $200 not maintained; waived for those under age 18 or over age 50 · Source
per month · If minimum balance of $5,000 not maintained · Source
per item · Source
per item · Source
per item · All money market accounts limited to six preauthorized transfers per month; $5 fee for each excess transaction that clears the account during statement cycle · Source
per item · No charge if account is less than $10.00 overdrawn or for overdrafts caused by transactions less than $5.00; maximum of 5 overdraft fees per day · Source
per day · Maximum 5 overdraft fees per day at $35 each · Source
per item · Deposited items returned or Checks written by accountholder · Source
per item · Source
per item · Source
per item · Source
per item · Source
per item · Source
per item · Source
per item · Source
per item · Source
per item · Source
per item · Source
per item · Source
per year · Source
per year · Source
per year · Source
per year · Source
per year · Source
per year · Source
per year · Source
per year · Source
per year · Source
per year · Source
per year · Source
per year · Source
per year · Source
per year · Source
per year · Source
one time · Source
one time · Source
per item · Source
Swipe for source and notes →
| Fee | Amount | Basis | Note | Source |
|---|---|---|---|---|
Account MaintenanceVerified | ||||
| Account closing fee | $25 | one time | Applies to checking and money market accounts if closed within first six months | Source |
| Account reconciliation/research | $25 | per item | Per hour | Source |
| Escheat fee | $75 | per item | — | Source |
| Inactive accounts | $4 | per month | After three months with no activity; applies only to checking or money market accounts with balances under $100 | Source |
| Mailed paper statement fee | $1.50 | per month | Premier Checking, Loyalty Checking, Primetime Checking customers, no charge | Source |
| Select Money Market monthly fee | $10 | per month | If balance falls below $5,000 minimum | Source |
| Statement Savings monthly fee | $2 | per month | If minimum balance of $200 not maintained; waived for those under age 18 or over age 50 | Source |
| Super Saver Account monthly fee | $10 | per month | If minimum balance of $5,000 not maintained | Source |
Overdraft & NSFVerified | ||||
| Cash Reserve Overdraft Protection - personal accounts | $7 | per item | — | Source |
| Loan over limit fee | $33 | per item | — | Source |
| Money market excess transfer fee | ||||
ATM & CardVerified | ||||
| Replacement ATM/Debit Card | $0 | per item | — | Source |
Wire TransfersVerified | ||||
| Wire transfer - incoming domestic U.S. dollar | $25 | per item | — | Source |
| Wire transfer - incoming international | $30 | per item | — | Source |
| Wire transfer - outgoing domestic U.S. dollar | ||||
Check ServicesVerified | ||||
| Copies of imaged checks | $1 | per item | Per page | Source |
| Official check | $5 | per item | Premier Checking, Loyalty Checking and Primetime Checking customers, no charge | Source |
Digital & ElectronicVerified | ||||
| Non-automated telephone transfer - manually processed | $5 | per item | Each additional manually processed; online or VRU initiated transfers are no charge | Source |
| Personal Mobile Banking and Mobile Deposit | $0 | per month | — | Source |
Cash & DepositVerified | ||||
| Collection items | $25 | per item | — | Source |
Account ServicesVerified | ||||
| Account verification | $10 | per item | — | Source |
| Processing tax levies, garnishment, etc. | $75 | per item | — | Source |
| Safe Deposit Box - 10" x 10" | $189 | |||
Retirement & IRAVerified | ||||
| IRA trustee-to-trustee transfer | $25 | per item | — | Source |
Work at HomeTrust Bank? Get your Competitive Fee Position Report — $300, delivered in 48 hours.
Every fee on this page benchmarked against a verified peer set, in a board-ready document.
Financial Context
Financials as of Q1 2026 · FDIC call report
Total assets
$4.4B
Total deposits
$3.6B
Service charge income
$149K
Fee income ratio
0.27%
Return on assets
1.53%
Branches
33
Service charge income by quarter
| $5 |
| per item |
| All money market accounts limited to six preauthorized transfers per month; $5 fee for each excess transaction that clears the account during statement cycle |
| Source |
| Overdraft charge | $35 | per item | No charge if account is less than $10.00 overdrawn or for overdrafts caused by transactions less than $5.00; maximum of 5 overdraft fees per day | Source |
| Overdraft Daily Cap | $175 | per day | Maximum 5 overdraft fees per day at $35 each | Source |
| Returned Item charge | $35 | per item | Deposited items returned or Checks written by accountholder | Source |
| Returned Item charge - checks written by others | $5 | per item | — | Source |
| Savings Overdraft Protection - personal accounts | $7 | per item | — | Source |
| $25 |
| per item |
| — |
| Source |
| Wire transfer - outgoing foreign exchange country currency | $25 | per item | — | Source |
| Wire transfer - outgoing international U.S. dollar | $50 | per item | — | Source |
| $5 |
| per item |
| — |
| Source |
| Stop payment order | $30 | per item | Per check | Source |
| Personal Online Banking and Bill Pay |
| $0 |
| per month |
| — |
| Source |
| per year |
| — |
| Source |
| Safe Deposit Box - 10" x 10" (NC, SC, TN) | $120 | per year | — | Source |
| Safe Deposit Box - 10" x 15" | $300 | per year | — | Source |
| Safe Deposit Box - 2" x 5" | $47 | per year | — | Source |
| Safe Deposit Box - 3" x 10" | $98 | per year | — | Source |
| Safe Deposit Box - 3" x 10" (NC, SC, TN) | $55 | per year | — | Source |
| Safe Deposit Box - 3" x 5" | $63 | per year | — | Source |
| Safe Deposit Box - 3" x 5" (NC, SC, TN) | $45 | per year | — | Source |
| Safe Deposit Box - 4" x 5" | $70 | per year | — | Source |
| Safe Deposit Box - 5" x 10" | $131 | per year | — | Source |
| Safe Deposit Box - 5" x 10" (NC, SC, TN) | $80 | per year | — | Source |
| Safe Deposit Box - 5" x 5" | $84 | per year | — | Source |
| Safe Deposit Box - 5" x 5" (NC, SC, TN) | $50 | per year | — | Source |
| Safe Deposit Box - 7" x 10" (NC, SC, TN) | $90 | per year | — | Source |
| Safe Deposit Box - 8" x 8" | $160 | per year | — | Source |
| Safe Deposit Box drill fee | $200 | one time | — | Source |
| Safe Deposit Box lost key fee | $75 | one time | — | Source |