14 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 5, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
Wire Transfer (Domestic Out)
Stop Payment
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for South 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.
Southern First Bank · $4.7B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Southern First Bank(this institution) | Greenville, SC | $4.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Arrow Bank National Association | Glens Falls, NY | $4.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bar Harbor Bank & Trust | Bar Harbor, ME | $4.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capital City Bank | Tallahassee, FL | $4.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Carter Bank & Trust | Martinsville, VA | $4.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Civista Bank | Sandusky, OH | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Community Bank of Mississippi | Flowood, MS | $5.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community West Bank | Fresno, CA | $5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Bank | Lake City, FL | $4.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First National Bank Alaska | Anchorage, AK | $5.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First State Community Bank | Farmington, MO | $4.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Hills Bank and Trust Company | Hills, IA | $4.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hingham Institution for Savings | Hingham, MA | $4.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| HomeTrust Bank | Asheville, NC | $4.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| International Bank of Commerce | Brownsville, TX | $4.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| NATIONAL COOPERATIVE BANK, N.A. | Hillsboro, OH | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| PeoplesBank | Holyoke, MA | $4.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Primis Bank | Tappahannock, VA | $4.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southern Bank | Poplar Bluff, MO | $5.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| State Bank of India | Chicago, IL | $4.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Sunwest Bank | Sandy, UT | $4.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Bank and Trust Company | Longview, TX | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Texas Exchange Bank | Crowley, TX | $4.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Fidelity Bank | Fuquay Varina, NC | $4.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| VeraBank, National Association | Henderson, TX | $4.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Wheaton Bank & Trust, National Association | Wheaton, IL | $4.8B | 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 · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.88 among 16 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.
Monthly maintenance fee in dollars, one mark per institution
Southern First Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.
Amounts from Southern First Bank’s own schedules, with a source for each figure.
per month
per hour
per hour
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Service fee (daily balance is less than $5,000) | $15 | Not stated | None |
| Dormant Account Fee (monthly) | $10 | per month | None |
| Account Reconciliation/Balancing (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research (per hour) | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Opt-in to paper statements | $5 | per month | None |
| Paper Statement | $5 | Not stated | None |
Overdraft & NSF | |||
| Consumer Overdraft Paid Fee (per item) | $5 | per item | None |
ATM & Card | |||
| ATM/Debit Card Replacement | $6 | Not stated | None |
| ATM/Debit Card Emergency Rush Fee | $25 | Not stated | None |
Wire Transfers | |||
| Wire Transfers - Outgoing Domestic (initiated by phone, fax, or email) | $30 | Not stated | None |
| Wire Transfers - Outgoing Domestic (initiated in person or through electronic banking) | $20 | Not stated | None |
| Wire Transfers - Outgoing International | $50 | Not stated | None |
Check Services | |||
| Official Bank Check (Customers) | $7 | Not stated | None |
| Stop Payment Fee (per stop payment) | $36 | per item | None |
| Check Copy (paper copy) | $5 | Not stated | None |
Account Services | |||
| Safe Deposit Box Lock Drill (both keys lost) | $250Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Replacement Key | $50Not compared: Box drilling or key fee | Not stated | None |
| Levy/State Warrant/Garnishment (per legal process) | $125 | Not stated | None |
| Deposit Verification | $20 | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards (per card) | $4 | per item | None |
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fee (monthly) | $10 | per month | None |
| Account Reconciliation/Balancing (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research (per hour) | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Business Non-Sufficient Fund (NSF) / Overdraft Fee (per item) | $38 | per item | None |
ATM & Card | |||
| ATM/Debit Card Replacement | $6 | Not stated | None |
| ATM/Debit Card Emergency Rush Fee | $25 | Not stated | None |
Wire Transfers | |||
| Wire Transfers - Outgoing Domestic (initiated by phone, fax, or email) | $30 | Not stated | None |
| Wire Transfers - Outgoing Domestic (initiated in person or through electronic banking) | $20 | Not stated | None |
| Wire Transfers - Outgoing International | $50 | Not stated | None |
Check Services | |||
| Official Bank Check (Customers) | $7 | Not stated | None |
| Stop Payment Fee (per stop payment) | $36 | per item | None |
| Check Copy (paper copy) | $5 | Not stated | None |
Account Services | |||
| Safe Deposit Box Lock Drill (both keys lost) | $250Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Replacement Key | $50Not compared: Box drilling or key fee | Not stated | None |
| Levy/State Warrant/Garnishment (per legal process) | $125 | Not stated | None |
| Deposit Verification | $20 | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards (per card) | $4 | per item | None |
Nov 5, 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
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