23 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.
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.
Amounts from HomeTrust Bank’s own schedules, with a source for each figure.
per month
per month
one time · Applies to checking and money market accounts if closed within first six months
per month · After three months with no activity; applies only to checking or money market accounts with balances under $100
per month
per item · Per hour
per hour
per month · Premier Checking, Loyalty Checking, Primetime Checking customers, no charge
per month
per month
per item
per item
per item
per item
per item
per item
per item
per item
per item · Per check
per item
per item · Per page
per item
per item
per item
per item · Each additional manually processed; online or VRU initiated transfers are no charge
per item
per month
per month
per year
per year
per year
per year
per year
per year
per month
per month
per item
per item
one time
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee (audience not stated, treated as personal) | $2 | per month | None |
| Monthly fee (audience not stated, treated as personal) | $10 | per month | None |
| Account closing fee (audience not stated, treated as personal) | $25 | one time | Applies to checking and money market accounts if closed within first six months |
| Inactive accounts (audience not stated, treated as personal) | $4 | per month | After three months with no activity; applies only to checking or money market accounts with balances under $100 |
| Inactive accounts (monthly after three months with no activity) | $4 | per month | None |
| Account reconciliation/research (audience not stated, treated as personal) | $25 | per item | Per hour |
| Account reconciliation/research, per hour (audience not stated, treated as personal) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Mailed paper statement fee (audience not stated, treated as personal) | $1.50 | per month | Premier Checking, Loyalty Checking, Primetime Checking customers, no charge |
| Mailed paper statement fee, per month (audience not stated, treated as personal) | $3.50 | per month | None |
| Mailed paper statement fee, per month (audience not stated, treated as personal) | $1.50 | per month | None |
Overdraft & NSF | |||
| Overdraft charge (audience not stated, treated as personal) | $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 |
| PERSONAL SAVINGS & INVESTMENT ACCOUNTS: Overdraft charge | $35 | Not stated | None |
ATM & Card | |||
| Replacement ATM/Debit Card (audience not stated, treated as personal) | No charge | per item | None |
Wire Transfers | |||
| Wire transfer - outgoing domestic U.S. dollar | $25 | per item | None |
| Wire transfers – outgoing Domestic – U S dollar | $25 | Not stated | None |
| Wire transfer - incoming domestic U.S. dollar | $25 | per item | None |
| Wire transfers – incoming Domestic – U S dollar | $25 | Not stated | None |
| Wire transfer - outgoing foreign exchange country currency | $25 | per item | None |
| Wire transfer - outgoing international U.S. dollar | $50 | per item | None |
| Wire transfer - incoming international | $30 | per item | None |
| Wire transfers – incoming: International (audience not stated, treated as personal) | $30 | Not stated | None |
Check Services | |||
| Official check (audience not stated, treated as personal) | $5 | per item | None |
| Per stop payment (audience not stated, treated as personal) | $30 | per item | None |
| Stop payment order (audience not stated, treated as personal) | $30 | per item | Per check |
| Collection items (audience not stated, treated as personal) | $25 | Not stated | None |
| Box Size Annual Fee: Box Size Annual Fee: Copies of imaged checks (audience not stated, treated as personal) | $1 | per item | None |
| Copies of imaged checks (audience not stated, treated as personal) | $1 | per item | Per page |
| Copies of imaged checks, per page (audience not stated, treated as personal) | $1 | per item | None |
| Per check image > 10 (audience not stated, treated as personal) | $0.50 | per item | None |
| Statement or check copy (audience not stated, treated as personal) | $5 | per item | None |
| VA: NC, SC, TN: Statement or check copy (audience not stated, treated as personal) | $5 | Not stated | None |
Digital & Electronic | |||
| Non-automated telephone transfer - manually processed | $5 | per item | Each additional manually processed; online or VRU initiated transfers are no charge |
| ACH returned item (audience not stated, treated as personal) | $5 | Not stated | None |
| Bill Payment (audience not stated, treated as personal) | $0.11Not compared: Per-item charge, not monthly | per item | None |
| Personal Online Banking and Bill Pay | No charge | per month | None |
| Personal Mobile Banking and Mobile Deposit | No chargeNot compared: Monthly charge, not per item | per month | None |
Cash & Deposit | |||
| Deposited items returned Checks written by accountholder | $35 | Not stated | None |
Account Services | |||
| Lost key fee | $75Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box - 2" x 5" (audience not stated, treated as personal) | $47 | per year | None |
| Safe Deposit Box - 3" x 10" (NC, SC, TN) (audience not stated, treated as personal) | $55 | per year | None |
| Safe Deposit Box - 3" x 5" (NC, SC, TN) (audience not stated, treated as personal) | $45 | per year | None |
| Safe Deposit Box - 5" x 10" (NC, SC, TN) (audience not stated, treated as personal) | $80 | per year | None |
| Safe Deposit Box - 5" x 5" (NC, SC, TN) (audience not stated, treated as personal) | $50 | per year | None |
| Safe Deposit Box - 8" x 8" (audience not stated, treated as personal) | $160 | per year | None |
| Safe Deposit Box 10" x 10" | $120 | Not stated | None |
| Safe Deposit Box 10” x 10” | $189 | Not stated | None |
| Safe Deposit Box 10” x 15” | $300 | Not stated | None |
| Safe Deposit Box 2” x 5” | $47Not compared: Monthly charge, not annual | per month | None |
| Safe Deposit Box 3" x 10" | $55 | Not stated | None |
| Safe Deposit Box 3” x 10” | $98 | Not stated | None |
| Safe Deposit Box 3" x 5" | $45Not compared: Monthly charge, not annual | per month | None |
| Safe Deposit Box 3” x 5” | $63 | Not stated | None |
| Safe Deposit Box 4” x 5” | $70 | Not stated | None |
| Safe Deposit Box 5" x 10" | $80 | Not stated | None |
| Safe Deposit Box 5” x 10” | $131 | Not stated | None |
| Safe Deposit Box 5" x 5" | $50 | Not stated | None |
| Safe Deposit Box 5” x 5” | $84 | Not stated | None |
| Safe Deposit Box 6” x 10” (audience not stated, treated as personal) | $131 | Not stated | None |
| Safe Deposit Box 7" x 10" | $90 | per item | None |
| Safe Deposit Box 8” x 10” (audience not stated, treated as personal) | $160 | Not stated | None |
| Safe Deposit Box 8” x 10” | $160 | Not stated | None |
| Safe Deposit Box 8” x 8” | $160 | per item | None |
| Safe Deposit Box drill fee (audience not stated, treated as personal) | $200Not compared: One-time charge, not annual | one time | None |
| Safe Deposit Box late payment fee | $10Not compared: Box drilling or key fee | Not stated | None |
| Processing tax levies, garnishment, etc, per occurrence (audience not stated, treated as personal) | $75 | per item | None |
| Processing tax levies, garnishment, etc. (audience not stated, treated as personal) | $75 | per item | None |
| Account verification (audience not stated, treated as personal) | $10 | per item | None |
Retirement & IRA | |||
| IRA trustee-to-trustee transfer (audience not stated, treated as personal) | $25 | 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
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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