vs. U.S. typical range:LowerTypicalHigher
$4 above the national median$5.03 above the North Carolina median
per month · Source
$4 below the national median$2.97 below the North Carolina median
per month · Source
$19 above the national median$20.03 above the North Carolina median
per month · Source
$7.50 above the national median$7.50 above the North Carolina median
$7.50 above the national median$7.50 above the North Carolina median
one time · Applies to checking and money market accounts if closed within first six months · Institution’s schedule
$1 below the national median$1 below the North Carolina median
per month · Source
$1 below the national median$1 below the North Carolina median
per month · After three months with no activity; applies only to checking or money market accounts with balances under $100 · Institution’s schedule
$7.50 above the national median$14 above the North Carolina median
$7.50 above the national median$14 above the North Carolina median
per item · Per hour · Institution’s schedule
$0.50 above the national median$1 above the North Carolina median
per month · Source
$2 below the national median$1.50 below the North Carolina median
per month · Source
$5 above the national median$6 above the North Carolina median
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 · Institution’s schedule
$5 above the national median$6 above the North Carolina median
$5 above the national median$10 above the North Carolina median
$10 below the national median$5 below the North Carolina median
per item · Institution’s schedule
At the national median$6 above the North Carolina median
At the national median$6 above the North Carolina median
per item · Institution’s schedule
$15 above the national median$15 above the North Carolina median
$15 above the national median$15 above the North Carolina median
per item · Institution’s schedule
$25 below the national median$20 below the North Carolina median
per item · Institution’s schedule
At the national median$5 above the North Carolina median
per item · Institution’s schedule
$10 above the national median$7.50 above the North Carolina median
per item · Institution’s schedule
$10 above the national median$7.50 above the North Carolina median
At the national median$1 above the North Carolina median
per item · Source
At the national median$1 above the North Carolina median
per item · Premier Checking, Loyalty Checking and Primetime Checking customers, no charge · Institution’s schedule
$2.50 above the national median$1 above the North Carolina median
per item · Source
$2.50 above the national median$1 above the North Carolina median
per item · Per check · Institution’s schedule
$5 above the national median$2.50 above the North Carolina median
$2 below the national median$2 below the North Carolina median
per item · Source
$2 below the national median$2 below the North Carolina median
per item · Per page · Institution’s schedule
$2 below the national median$2 below the North Carolina median
per item · Source
$2.50 below the national median$2.50 below the North Carolina median
per item · Source
$2 above the national median$2 above the North Carolina median
per item · Institution’s schedule
$2 above the national median$2 above the North Carolina median
per item · Each additional manually processed; online or VRU initiated transfers are no charge · Institution’s schedule
$20 below the national median$17 below the North Carolina median
$2.39 below the national median$1.89 below the North Carolina median
$2.50 below the national median$2 below the North Carolina median
per month · Institution’s schedule
per month · Institution’s schedule
$20 above the national median$25 above the North Carolina median
$5 below the national medianAt the North Carolina median
per month · Source
$30 above the national median$22.50 above the North Carolina median
$35 below the national median$42.50 below the North Carolina median
$75 above the national median$67.50 above the North Carolina median
per year · Source
$144 above the national median$136.50 above the North Carolina median
$255 above the national median$247.50 above the North Carolina median
$2 above the national median$5.50 below the North Carolina median
$10 above the national median$2.50 above the North Carolina median
$53 above the national median$45.50 above the North Carolina median
$18 above the national median$10.50 above the North Carolina median
$25 above the national median$17.50 above the North Carolina median
$35 above the national median$27.50 above the North Carolina median
$86 above the national median$78.50 above the North Carolina median
$5 above the national median$2.50 below the North Carolina median
$39 above the national median$31.50 above the North Carolina median
$45 above the national median$37.50 above the North Carolina median
$115 above the national median$107.50 above the North Carolina median
$155 above the national median$147.50 above the North Carolina median
per month · Source
$25 above the national median$5 above the North Carolina median
per item · Source
$25 above the national median$5 above the North Carolina median
per item · Institution’s schedule
At the national medianAt the North Carolina median
per month · Source
At the national medianAt the North Carolina median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| 00 Monthly fee | $10Within the typical range ($4–$10 nationally) | $4 above the national median$5.03 above the North Carolina median | per month | — | Source |
| 00 Monthly fee | $2Below the typical range ($4–$10 nationally) | $4 below the national median$2.97 below the North Carolina median | per month | — | Source |
| MODULES ACH Module Monthly maintenance | $25Above the typical range ($4–$10 nationally) | $19 above the national median$20.03 above the North Carolina median | per month | — | Source |
| 00 Account closing fee | $25Within the typical range ($10–$25 nationally) | $7.50 above the national median$7.50 above the North Carolina median | — | — | Source |
| Account closing fee | $25Within the typical range ($10–$25 nationally) | $7.50 above the national median$7.50 above the North Carolina median | one time | Applies to checking and money market accounts if closed within first six months | Institution’s schedule |
| 00 Inactive accounts (monthly after three months with no activity) | $4Below the typical range ($5–$10 nationally) | $1 below the national median$1 below the North Carolina median | per month | — | Source |
| Inactive accounts | $4Below the typical range ($5–$10 nationally) | $1 below the national median$1 below the North Carolina median | per month | After three months with no activity; applies only to checking or money market accounts with balances under $100 | Institution’s schedule |
| 00 Account reconciliation/research, per hour | $25Within the typical range ($12–$25 nationally) | $7.50 above the national median$14 above the North Carolina median | — | — | Source |
| Account reconciliation/research | $25Within the typical range ($12–$25 nationally) | $7.50 above the national median$14 above the North Carolina median | per item | Per hour | Institution’s schedule |
| Mailed paper statement fee, per month | $3.50Within the typical range ($2–$4.95 nationally) | $0.50 above the national median$1 above the North Carolina median | per month | — | Source |
| Mailed paper statement fee, per month | $1Below the typical range ($2–$4.95 nationally) | $2 below the national median$1.50 below the North Carolina median | per month | — | Source |
Overdraft & NSFVerified | |||||
| Overdraft charge | $35Above the typical range ($25–$33 nationally) | $5 above the national median$6 above the North Carolina median | 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 | Institution’s schedule |
| PERSONAL SAVINGS & INVESTMENT ACCOUNTS: Overdraft charge | |||||
ATM & CardVerified | |||||
| Replacement ATM/Debit Card | $0Below the typical range ($5–$10 nationally) | $10 below the national median$5 below the North Carolina median | per item | — | Institution’s schedule |
Wire TransfersVerified | |||||
| 00 Wire transfers – outgoing Domestic – U S dollar | $25Within the typical range ($20–$25 nationally) | At the national median$6 above the North Carolina median | — | — | Source |
| Wire transfer - outgoing domestic U.S. dollar | $25 | ||||
Check ServicesVerified | |||||
| 00 Official check | $5Within the typical range ($3–$6 nationally) | At the national median$1 above the North Carolina median | per item | — | Source |
| Official check | $5 | ||||
Digital & ElectronicVerified | |||||
| Non-automated telephone transfer - manually processed | $5Within the typical range ($5–$20 nationally) | $5 below the national median | per item | Each additional manually processed; online or VRU initiated transfers are no charge | Institution’s schedule |
| ACH returned item | $5 | ||||
Cash & DepositVerified | |||||
| 00 Deposited items returned Checks written by accountholder | $35Above the typical range ($8–$25 nationally) | $20 above the national median$25 above the North Carolina median | — | — | Source |
| Note: Select Money Market account balances that fall below the minimum Deposited items returned will not receive interes | |||||
Account ServicesVerified | |||||
| 00 Lost key fee | $75Above the typical range ($30–$70 nationally) | $30 above the national median$22.50 above the North Carolina median | — | — | Source |
| 00 Safe Deposit Box late payment fee | $10 | ||||
Retirement & IRAVerified | |||||
| IRA trustee-to-trustee transfer | $25Within the typical range ($25–$35 nationally) | At the national medianAt the North Carolina median | — | — | Source |
Its state has too few comparable institutions, so these are its Fed district peers.
Overdraft
$35.00
Of 52 others that publish it, 25 lower, 17 the same and 10 higher.
Monthly maintenance
$10.00
Of 55 others that publish it, 39 lower, 8 the same and 8 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$35
Headline fees published
11 of 15
Published fees
65
Under review
0
Assets
$4.4B
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Financial Context
Financials as of Q2 2026 · FDIC call report
Total assets
$4.4B
Total deposits
$3.6B
Service charge income
$1.2M
Fee income ratio
2.1%
Return on assets
1.52%
Branches
33
Service charge income by quarter
Financial profile · Pro
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| $35Above the typical range ($25–$33 nationally) |
| $5 above the national median$6 above the North Carolina median |
| — |
| — |
| Source |
| 00 Returned Item charge | $35Above the typical range ($25–$32 nationally) | $5 above the national median$10 above the North Carolina median | — | — | Source |
| At the national median$6 above the North Carolina median |
| per item |
| — |
| Institution’s schedule |
| 00 Wire transfers – incoming Domestic – U S dollar | $25Above the typical range ($5–$15 nationally) | $15 above the national median$15 above the North Carolina median | — | — | Source |
| Wire transfer - incoming domestic U.S. dollar | $25Above the typical range ($5–$15 nationally) | $15 above the national median$15 above the North Carolina median | per item | — | Institution’s schedule |
| Wire transfer - outgoing foreign exchange country currency | $25Below the typical range ($40–$50 nationally) | $25 below the national median$20 below the North Carolina median | per item | — | Institution’s schedule |
| Wire transfer - outgoing international U.S. dollar | $50Within the typical range ($40–$50 nationally) | At the national median$5 above the North Carolina median | per item | — | Institution’s schedule |
| Wire transfer - incoming international | $30Above the typical range ($10–$25 nationally) | $10 above the national median$7.50 above the North Carolina median | per item | — | Institution’s schedule |
| Wire transfers – incoming: International | $30Above the typical range ($10–$25 nationally) | $10 above the national median$7.50 above the North Carolina median | — | — | Source |
| At the national median$1 above the North Carolina median |
| per item |
| Premier Checking, Loyalty Checking and Primetime Checking customers, no charge |
| Institution’s schedule |
| Per stop payment | $30Within the typical range ($20–$30 nationally) | $2.50 above the national median$1 above the North Carolina median | per item | — | Source |
| Stop payment order | $30Within the typical range ($20–$30 nationally) | $2.50 above the national median$1 above the North Carolina median | per item | Per check | Institution’s schedule |
| Collection items | $25Within the typical range ($10–$25 nationally) | $5 above the national median$2.50 above the North Carolina median | — | — | Source |
| Box Size Annual Fee: Box Size Annual Fee: Copies of imaged checks | $1Below the typical range ($2–$5 nationally) | $2 below the national median$2 below the North Carolina median | per item | — | Source |
| Copies of imaged checks | $1Below the typical range ($2–$5 nationally) | $2 below the national median$2 below the North Carolina median | per item | Per page | Institution’s schedule |
| Copies of imaged checks, per page | $1Below the typical range ($2–$5 nationally) | $2 below the national median$2 below the North Carolina median | per item | — | Source |
| Per check image > 10 | $0.50Below the typical range ($2–$5 nationally) | $2.50 below the national median$2.50 below the North Carolina median | per item | — | Source |
| Statement or check copy | $5Within the typical range ($2–$5 nationally) | $2 above the national median$2 above the North Carolina median | per item | — | Institution’s schedule |
| VA: NC, SC, TN: Statement or check copy | $5Within the typical range ($2–$5 nationally) | $2 above the national median$2 above the North Carolina median | — | — | Source |
| $20 below the national median$17 below the North Carolina median |
| — |
| — |
| Source |
| Bill Payment | $0.11Within the typical range ($0–$9.95 nationally) | $2.39 below the national median$1.89 below the North Carolina median | — | — | Source |
| Personal Online Banking and Bill Pay | $0Within the typical range ($0–$9.95 nationally) | $2.50 below the national median$2 below the North Carolina median | per month | — | Institution’s schedule |
| Personal Mobile Banking and Mobile Deposit | $0Within the typical range ($0–$0 nationally) | At the national median | per month | — | Institution’s schedule |
| $10Within the typical range ($8–$25 nationally) |
| $5 below the national medianAt the North Carolina median |
| per month |
| — |
| Source |
| $35 below the national median$42.50 below the North Carolina median |
| — |
| — |
| Source |
| Safe Deposit Box 10" x 10" | $120Above the typical range ($30–$70 nationally) | $75 above the national median$67.50 above the North Carolina median | per year | — | Source |
| Safe Deposit Box 10” x 10” | $189Above the typical range ($30–$70 nationally) | $144 above the national median$136.50 above the North Carolina median | — | — | Source |
| Safe Deposit Box 10” x 15” | $300Above the typical range ($30–$70 nationally) | $255 above the national median$247.50 above the North Carolina median | — | — | Source |
| Safe Deposit Box 2” x 5” | $47Within the typical range ($30–$70 nationally) | $2 above the national median$5.50 below the North Carolina median | — | — | Source |
| Safe Deposit Box 3" x 10" | $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 10” | $98Above the typical range ($30–$70 nationally) | $53 above the national median$45.50 above the North Carolina median | — | — | Source |
| Safe Deposit Box 3” x 5” | $63Within the typical range ($30–$70 nationally) | $18 above the national median$10.50 above the North Carolina median | — | — | Source |
| Safe Deposit Box 4” x 5” | $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 10" | $80Above the typical range ($30–$70 nationally) | $35 above the national median$27.50 above the North Carolina median | — | — | Source |
| Safe Deposit Box 5” x 10” | $131Above the typical range ($30–$70 nationally) | $86 above the national median$78.50 above the North Carolina median | — | — | Source |
| Safe Deposit Box 5" x 5" | $50Within the typical range ($30–$70 nationally) | $5 above the national median$2.50 below the North Carolina median | — | — | Source |
| Safe Deposit Box 5” x 5” | $84Above the typical range ($30–$70 nationally) | $39 above the national median$31.50 above the North Carolina median | — | — | Source |
| Safe Deposit Box 7" x 10" | $90Above the typical range ($30–$70 nationally) | $45 above the national median$37.50 above the North Carolina median | — | — | Source |
| Safe Deposit Box 8” x 8” | $160Above the typical range ($30–$70 nationally) | $115 above the national median$107.50 above the North Carolina median | — | — | Source |
| Safe Deposit Box drill fee | $200Above the typical range ($30–$70 nationally) | $155 above the national median$147.50 above the North Carolina median | per month | — | Source |
| Processing tax levies, garnishment, etc , per occurrence | $75Within the typical range ($30–$87.50 nationally) | $25 above the national median$5 above the North Carolina median | per item | — | Source |
| Processing tax levies, garnishment, etc. | $75Within the typical range ($30–$87.50 nationally) | $25 above the national median$5 above the North Carolina median | per item | — | Institution’s schedule |
| Account verification | $10Within the typical range ($5–$15 nationally) | At the national medianAt the North Carolina median | per month | — | Source |