20 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 12, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
Non-Network ATM
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Louisiana, the Atlanta 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.
Gulf Coast Bank and Trust Company · $3.9B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Gulf Coast Bank and Trust Company(this institution) | New Orleans, LA | $3.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of the Sierra | Porterville, CA | $3.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of Utah | Ogden, UT | $3.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capital Bank, National Association | Rockville, MD | $3.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Central Bank & Trust Co. | Lexington, KY | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Colony Bank | Fitzgerald, GA | $3.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Commercial Bank of California | Irvine, CA | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cornerstone Capital Bank, SSB | Houston, TX | $3.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Bank | Hamilton, NJ | $4.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Community Bank | Batesville, AR | $3.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Community Bank | Bluefield, VA | $3.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Guaranty Bank | Hammond, LA | $3.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First PREMIER Bank | Sioux Falls, SD | $3.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Frandsen Bank & Trust | Lonsdale, MN | $3.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Gate City Bank | Fargo, ND | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Home Bank, National Association | Lafayette, LA | $3.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Independence Bank of Kentucky | Owensboro, KY | $3.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Manasquan Bank | Manasquan, NJ | $3.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pinnacle Bank | Elberton, GA | $4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| RCB Bank | Claremore, OK | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| River Bank & Trust | Prattville, AL | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Security Bank of Kansas City | Kansas City, KS | $3.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Spencer Savings Bank, SLA | Elmwood Park, NJ | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Union Savings Bank | Cincinnati, OH | $4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| West Bank | West Des Moines, IA | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Woori America Bank | New York, NY | $4.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8.48 among 17 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 Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Gulf Coast Bank and Trust Company 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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Amounts from Gulf Coast Bank and Trust Company’s own schedules, with a source for each figure.
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive/Dormant Account Fee | $5 | Not stated | None |
| Account Research (per hour) | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement | $4.85 | Not stated | None |
| Return Statement Fee | $5 | Not stated | None |
Overdraft & NSF | |||
| NSF/Overdraft Paid Fee (per presented item)\ \ | $35 | Not stated | None |
ATM & Card | |||
| Non-GCB ATM Withdrawal fee (Not applicable at Community Cash ATMs) | $1.50 | Not stated | None |
| ATM/Debit Card (reissue card) | $5 | Not stated | None |
| ATM/Debit Card Rush Order | $45 | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wire Fee | $25 | Not stated | None |
| Incoming Domestic Wire Fee | $25 | Not stated | None |
| Outgoing Foreign Wire Fee | $45 | Not stated | None |
| Incoming Foreign Wire Fee | $25 | Not stated | None |
Check Services | |||
| Cashiers Checks | $8 | Not stated | None |
| Money Orders | $5 | Not stated | None |
| Stop Payments/Item Charge (via Digital Banking, Single Check Only) | $30 | per item | None |
| Counter/Temporary Checks (5) | $1 | Not stated | None |
| Collection Item | $25 | Not stated | None |
| Deposit or Check Copy | $3 | Not stated | None |
Digital & Electronic | |||
| Digital Bill Pay @ gulfbank.com | No charge | Not stated | None |
Cash & Deposit | |||
| Return Deposit Item Charge | $8 | Not stated | None |
Account Services | |||
| Subpoena (Per Hour/One Hour Minimum) | $85Not compared: Charged per hour; comparison unavailable | per hour | None |
Other Fees | |||
| Loan payment by phone (ACH or Draft) | $10 | Not stated | None |
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive/Dormant Account Fee | $5 | Not stated | None |
| Account Research (per hour) | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement | $4.85 | Not stated | None |
| Return Statement Fee | $5 | Not stated | None |
Overdraft & NSF | |||
| NSF/Overdraft Paid Fee (per presented item)\ \ | $35 | Not stated | None |
| NSF/Overdraft Return Fee (business accounts only / per presented item)\ \ | $35 | Not stated | None |
ATM & Card | |||
| Non-GCB ATM Withdrawal fee (Not applicable at Community Cash ATMs) | $1.50 | Not stated | None |
| ATM/Debit Card (reissue card) | $5 | Not stated | None |
| ATM/Debit Card Rush Order | $45 | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wire Fee | $25 | Not stated | None |
| Incoming Domestic Wire Fee | $25 | Not stated | None |
| Outgoing Foreign Wire Fee | $45 | Not stated | None |
| Incoming Foreign Wire Fee | $25 | Not stated | None |
Check Services | |||
| Cashiers Checks | $8 | Not stated | None |
| Money Orders | $5 | Not stated | None |
| Stop Payments/Item Charge (via Digital Banking, Single Check Only) | $30 | per item | None |
| Counter/Temporary Checks (5) | $1 | Not stated | None |
| Collection Item | $25 | Not stated | None |
| Deposit or Check Copy | $3 | Not stated | None |
Digital & Electronic | |||
| Digital Bill Pay @ gulfbank.com | No charge | Not stated | None |
Cash & Deposit | |||
| Return Deposit Item Charge | $8 | Not stated | None |
Account Services | |||
| Subpoena (Per Hour/One Hour Minimum) | $85Not compared: Charged per hour; comparison unavailable | per hour | None |
Other Fees | |||
| Loan payment by phone (ACH or Draft) | $10 | Not stated | None |
Oct 12, 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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