Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community bank, under $300M

Highland Federal Savings and Loan Association

Crossville, TennesseeBankAtlanta Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account close fee (if closed within 6 months of opening)$10Within the typical range ($10–$25 nationally)

Knox deterministic extraction from Rosetta artifact #2347. canonical_hint=early_closure; text_hash=3423e0b61cee19586832a60623117e3ae28bfb0bc3ebe83688ef6e066af7a362; excerpt="Account close fee (if closed within 6 months of opening) | $10.00" · Source

Account Research$15

$5 below the national median

Knox deterministic extraction from Rosetta artifact #2347. canonical_hint=account_research; text_hash=3423e0b61cee19586832a60623117e3ae28bfb0bc3ebe83688ef6e066af7a362; excerpt="Account Research | $15.00 per hour" · Source

Paper statement charge (monthly for checking, quarterly for savings)$4

$1 above the national median

per month · Knox deterministic extraction from Rosetta artifact #2347. canonical_hint=paper_statement; text_hash=3423e0b61cee19586832a60623117e3ae28bfb0bc3ebe83688ef6e066af7a362; excerpt="Paper statement charge (monthly for checking, quarterly for savings) | $4.00" · Source

TN Escheat Fee$25

$20 above the national median

Knox deterministic extraction from Rosetta artifact #2347. canonical_hint=dormant_account; text_hash=3423e0b61cee19586832a60623117e3ae28bfb0bc3ebe83688ef6e066af7a362; excerpt="TN Escheat Fee | $25.00" · Source

Overdraft & NSFVerified

Bill Pay NSF Fees$53Above the typical range ($25–$32 nationally)
$24 above the national median
Knox deterministic extraction from Rosetta artifact #2347. canonical_hint=nsf; text_hash=3423e0b61cee19586832a60623117e3ae28bfb0bc3ebe83688ef6e066af7a362; excerpt="Bill Pay NSF Fees * | $53.00" · Source
Nonsufficient Funds (NSF & Overdraft Privilege) ACH (preauthorized withdrawal)$28Within the typical range ($20–$30 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2347. canonical_hint=overdraft; text_hash=3423e0b61cee19586832a60623117e3ae28bfb0bc3ebe83688ef6e066af7a362; excerpt="Nonsufficient Funds (NSF & Overdraft Privilege) * ACH (preauthorized withdrawal) | $28.00" · Source

ATM & CardVerified

ATM Fees per transaction at foreign machines$1Within the typical range ($1–$3 nationally)
$0.50 below the national median
per transaction · Knox deterministic extraction from Rosetta artifact #2347. canonical_hint=atm_non_network; text_hash=3423e0b61cee19586832a60623117e3ae28bfb0bc3ebe83688ef6e066af7a362; excerpt="ATM Fees per transaction at foreign machines | $1.00" · Source

Check ServicesVerified

Bill Pay Stop Payment Fee$25Within the typical range ($20–$30 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #2347. canonical_hint=stop_payment; text_hash=3423e0b61cee19586832a60623117e3ae28bfb0bc3ebe83688ef6e066af7a362; excerpt="Bill Pay Stop Payment Fee | $25.00" · Source

Digital & ElectronicVerified

Bill Pay Expedited Electronic Payment$6Within the typical range ($0–$12.50 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #2347. canonical_hint=bill_pay; text_hash=3423e0b61cee19586832a60623117e3ae28bfb0bc3ebe83688ef6e066af7a362; excerpt="Bill Pay Expedited Electronic Payment | $6.00" · Source
Bill Pay Expedited Overnight Check Payment$25Above the typical range ($0–$12.50 nationally)
$20 above the national median
Knox deterministic extraction from Rosetta artifact #2347. canonical_hint=bill_pay; text_hash=3423e0b61cee19586832a60623117e3ae28bfb0bc3ebe83688ef6e066af7a362; excerpt="Bill Pay Expedited Overnight Check Payment | $25.00" · Source
Bill Pay Research Request$30Above the typical range ($0–$12.50 nationally)
$25 above the national median
Knox deterministic extraction from Rosetta artifact #2347. canonical_hint=bill_pay; text_hash=3423e0b61cee19586832a60623117e3ae28bfb0bc3ebe83688ef6e066af7a362; excerpt="Bill Pay Research Request | $30.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account close fee (if closed within 6 months of opening)	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #2347. canonical_hint=early_closure; text_hash=3423e0b61cee19586832a60623117e3ae28bfb0bc3ebe83688ef6e066af7a362; excerpt="Account close fee (if closed within 6 months of opening) \| $10.00"	Source
Account Research	$15Within the typical range ($15–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #2347. canonical_hint=account_research; text_hash=3423e0b61cee19586832a60623117e3ae28bfb0bc3ebe83688ef6e066af7a362; excerpt="Account Research \| $15.00 per hour"	Source
Paper statement charge (monthly for checking, quarterly for savings)	$4Within the typical range ($2–$5 nationally)	$1 above the national median	per month	Knox deterministic extraction from Rosetta artifact #2347. canonical_hint=paper_statement; text_hash=3423e0b61cee19586832a60623117e3ae28bfb0bc3ebe83688ef6e066af7a362; excerpt="Paper statement charge (monthly for checking, quarterly for savings) \| $4.00"	Source
TN Escheat Fee	$25Above the typical range ($5–$10 nationally)	$20 above the national median	—	Knox deterministic extraction from Rosetta artifact #2347. canonical_hint=dormant_account; text_hash=3423e0b61cee19586832a60623117e3ae28bfb0bc3ebe83688ef6e066af7a362; excerpt="TN Escheat Fee \| $25.00"	Source
Overdraft & NSFVerified
Bill Pay NSF Fees	$53Above the typical range ($25–$32 nationally)	$24 above the national median	—	Knox deterministic extraction from Rosetta artifact #2347. canonical_hint=nsf; text_hash=3423e0b61cee19586832a60623117e3ae28bfb0bc3ebe83688ef6e066af7a362; excerpt="Bill Pay NSF Fees * \| $53.00"	Source
Nonsufficient Funds (NSF & Overdraft Privilege) ACH (preauthorized withdrawal)
ATM & CardVerified
ATM Fees per transaction at foreign machines	$1Within the typical range ($1–$3 nationally)	$0.50 below the national median	per transaction	Knox deterministic extraction from Rosetta artifact #2347. canonical_hint=atm_non_network; text_hash=3423e0b61cee19586832a60623117e3ae28bfb0bc3ebe83688ef6e066af7a362; excerpt="ATM Fees per transaction at foreign machines \| $1.00"	Source
Check ServicesVerified
Bill Pay Stop Payment Fee	$25Within the typical range ($20–$30 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #2347. canonical_hint=stop_payment; text_hash=3423e0b61cee19586832a60623117e3ae28bfb0bc3ebe83688ef6e066af7a362; excerpt="Bill Pay Stop Payment Fee \| $25.00"	Source
Digital & ElectronicVerified
Bill Pay Expedited Electronic Payment	$6Within the typical range ($0–$12.50 nationally)	$1 above the national median	—	Knox deterministic extraction from Rosetta artifact #2347. canonical_hint=bill_pay; text_hash=3423e0b61cee19586832a60623117e3ae28bfb0bc3ebe83688ef6e066af7a362; excerpt="Bill Pay Expedited Electronic Payment \| $6.00"	Source
Bill Pay Expedited Overnight Check Payment

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$28

Overdraft fee: $28

Overdraft fee is aligned with the national median

Total fees: 11 — leaner than most institutions

Verified fees

Under review

Assets

$79.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$79.0M

Total deposits

$60.3M

Service charge income

$49K

Fee income ratio

6.0%

Return on assets

0.63%

Branches

Service charge income by quarter

Q2 2026$49K

Q1 2026$45K

Q4 2025$46K

Q3 2025$48K

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 20,792 verified fees from 2,117 institutions

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