Clay County Bank, Inc.

Headquarters: Clay, West Virginia
Charter: Bank
Assets: $135.9M
Fed district: Richmond

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

Source: its fee schedule, read Oct 18, 2026.

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Fees against the market

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

Overdraft (OD)
Clay County Bank, Inc.: $30
Clay County Bank, Inc.: $30
U.S. median: no median
NSF / Returned Item
Clay County Bank, Inc.: $30
Clay County Bank, Inc.: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Clay County Bank, Inc.: $25
Clay County Bank, Inc.: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 2026View sources

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

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Published fee schedule

Amounts from Clay County Bank, Inc.’s own schedules, with a source for each figure.

Account Maintenance

If Closed Within 90 Days of Opening-Per Account$10

Overdraft & NSF

ATM Overdraft$30
Bill Pay NSF$30
per item
Insufficient Funds$30
per item

ATM & Card

ATM/Debit Card Replacement Fee$5

Wire Transfers

Wire Transfers Fees: Outgoing$25

Check Services

Money Orders$2
Bill Pay - Stop Payment$30
per item
Stop Payment Request$30
Collection Item Fee (Draft)$20
per item

Account Services

Safe Deposit Box Rental: 11 X 11 (audience not stated, treated as personal)$160
Safe Deposit Box Rental: 3 X 5 (audience not stated, treated as personal)$20
Safe Deposit Box Rental: 5 X 11 (audience not stated, treated as personal)$80
Safe Deposit Box Rental: 5 X 5 (audience not stated, treated as personal)$40

Other Fees

Fax Fee$1
per item

Fee	Amount	Basis	Note
Account Maintenance
If Closed Within 90 Days of Opening-Per Account	$10	Not stated	None
Overdraft & NSF
ATM Overdraft	$30	Not stated	None
Bill Pay NSF	$30	per item	None
Insufficient Funds	$30	per item	None
ATM & Card
ATM/Debit Card Replacement Fee	$5	Not stated	None
Wire Transfers
Wire Transfers Fees: Outgoing	$25	Not stated	None
Check Services
Money Orders	$2	Not stated	None
Bill Pay - Stop Payment	$30	per item	None
Stop Payment Request	$30	Not stated	None
Collection Item Fee (Draft)	$20	per item	None
Account Services
Safe Deposit Box Rental: 11 X 11 (audience not stated, treated as personal)	$160	Not stated	None
Safe Deposit Box Rental: 3 X 5 (audience not stated, treated as personal)	$20	Not stated	None
Safe Deposit Box Rental: 5 X 11 (audience not stated, treated as personal)	$80	Not stated	None
Safe Deposit Box Rental: 5 X 5 (audience not stated, treated as personal)	$40	Not stated	None
Other Fees
Fax Fee	$1	per item	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 18, 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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