Richton Bank & Trust Company

Headquarters: Richton, Mississippi
Charter: Bank
Assets: $52.0M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 10, 2026.

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Fees against the market

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

Monthly Maintenance
Master Gold NOW Account
Richton Bank & Trust Company: $3
Richton Bank & Trust Company: $3
U.S. median: no median
Overdraft (OD)
Richton Bank & Trust Company: $35
Richton Bank & Trust Company: $35
U.S. median: no median
NSF / Returned Item
Compared at $32.50, the middle of its prices
Richton Bank & Trust Company: $30 to $35
Richton Bank & Trust Company: $30 to $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Mississippi, the Atlanta 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).
Mississippi: Banks and credit unions headquartered in Mississippi that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 Richton Bank & Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Master Gold NOW Account Maintenance Fee$3
per month
Minimum balance fee (Circle 60 Checking)$7
per month
Dormant Account Charge Per Month$5
per month
Balancing of Statement -Per Hour ($20.00 Minimum)$20
Not compared: Charged per hour; comparison unavailable
per hour
Excess withdrawal fee$5
per item

Overdraft & NSF

Overdraft Fee The Insufficient Funds Charge and the Overdraft Fee applies to overdrafts created by check, in-person, wit$35
Checks Cashed -Returned to us NSF$30
Insufficient Funds Charge$35

ATM & Card

ATM Surcharge (Bank Customer At Foreign ATM)$1
Replacement Debit/ATM card$5

Wire Transfers

Wire Transfers: Outgoing$18
Wire Transfers: Incoming$13

Check Services

Official Checks$7.50
Money Orders $.01 and above$3
ACH Stop Payments$25
Stop Payment Fee -Per Item$25
per item
Collection Items (Plus External Bank Charges)$5

Digital & Electronic

Online Bill Pay$5

Cash & Deposit

Coin Counter5%
Deposited Check Return Charge$5

Account Services

10 X 10 Annual Fee$100
per year
3 X 10 Annual Fee$40
per year
3 X 5 Annual Fee$30
per year
5 X 10 Annual Fee$60
per year

Other Fees

Additional Statement Printout$1
Document Paper Copies (per Page)$0.10
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Master Gold NOW Account Maintenance Fee	$3	per month	None
Minimum balance fee (Circle 60 Checking)	$7	per month	None
Dormant Account Charge Per Month	$5	per month	None
Balancing of Statement -Per Hour ($20.00 Minimum)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Excess withdrawal fee	$5	per item	None
Overdraft & NSF
Overdraft Fee The Insufficient Funds Charge and the Overdraft Fee applies to overdrafts created by check, in-person, wit	$35	Not stated	None
Checks Cashed -Returned to us NSF	$30	Not stated	None
Insufficient Funds Charge	$35	Not stated	None
ATM & Card
ATM Surcharge (Bank Customer At Foreign ATM)	$1	Not stated	None
Replacement Debit/ATM card	$5	Not stated	None
Wire Transfers
Wire Transfers: Outgoing	$18	Not stated	None
Wire Transfers: Incoming	$13	Not stated	None
Check Services
Official Checks	$7.50	Not stated	None
Money Orders $.01 and above	$3	Not stated	None
ACH Stop Payments	$25	Not stated	None
Stop Payment Fee -Per Item	$25	per item	None
Collection Items (Plus External Bank Charges)	$5	Not stated	None
Digital & Electronic
Online Bill Pay	$5	Not stated	None
Cash & Deposit
Coin Counter	5%	Not stated	None
Deposited Check Return Charge	$5	Not stated	None
Account Services
10 X 10 Annual Fee	$100	per year	None
3 X 10 Annual Fee	$40	per year	None
3 X 5 Annual Fee	$30	per year	None
5 X 10 Annual Fee	$60	per year	None
Other Fees
Additional Statement Printout	$1	Not stated	None
Document Paper Copies (per Page)	$0.10Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 10, 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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