19 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 14, 2026.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 14, 2026
Call-report figures are for Bank Independent at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Bank Independent's published fee schedule; Bank Fee Index medians | Current schedule | Oct 14, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $1.9M in Q2 2026, 4.0% below the same quarter a year earlier ($2.0M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $6, the middle of its prices
Overdraft (OD)
Non-Network ATM
Compared at $3.25, the middle of its prices
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 14% from Q3 2025 to Q2 2026, to $1.9M.
$1.9M
Bank IndependentMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Bank Independent · $2.9B 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 |
|---|---|---|---|---|---|---|---|
| Bank Independent(this institution) | Sheffield, AL | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| ANB Bank | Denver, CO | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Avidia Bank | Hudson, MA | $2.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| BayCoast Bank | Swansea, MA | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cedar Rapids Bank and Trust Company | Cedar Rapids, IA | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Cornerstone Bank | York, NE | $2.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Emprise Bank | Wichita, KS | $2.8B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Federal Savings and Loan Association of Lakewood | Lakewood, OH | $2.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Fidelity Bank | Oklahoma City, OK | $3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Home Federal Bank of Tennessee | Knoxville, TN | $2.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Industrial and Commercial Bank of China USA, National Association | New York, NY | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Ion Bank | Naugatuck, CT | $2.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Maine Community Bank | Portland, ME | $3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Merchants Bank, National Association | Winona, MN | $2.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Minnwest Bank | Redwood Falls, MN | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| National Exchange Bank and Trust | Fond du Lac, WI | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| NEXTIER BANK, NATIONAL ASSOCIATION | Kittanning, PA | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northwest Bank | Spencer, IA | $3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Open Bank | Los Angeles, CA | $2.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Quad City Bank and Trust Company | Bettendorf, IA | $2.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| State Bank of Southern Utah | Cedar City, UT | $2.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sunrise Banks, National Association | Sioux Falls, SD | $2.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Susser Bank | Dallas, TX | $3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| U. S. Century Bank | Doral, FL | $3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Wayne Bank | Honesdale, PA | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Westfield Bank | Westfield, MA | $2.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $6, the middle of its four prices, against a peer median of $8.50 among 13 publishing peers.
Its four checking prices are $3, $5, $7 and $12.
$6 is a comparison price, not a fee anyone is charged.
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
Against this institution's monthly maintenance fee
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.
Call reports for Bank Independent (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $1.9M | −$235K | −11.1% |
| Q1 2026 | $2.1M | +$52K | +2.5% |
| Q4 2025 | $2.1M | −$120K | −5.5% |
| Q3 2025 | $2.2M | +$225K | +11.5% |
| Q2 2025 | $2.0M | +$27K | +1.4% |
| Q1 2025 | $1.9M | −$98K | −4.8% |
| Q4 2024 | $2.0M | +$122K | +6.4% |
| Q3 2024 | $1.9M | −$116K | −5.7% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Bank Independent’s own schedules, with a source for each figure.
per month
per month
per month
per month
per hour
per month
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| All this for the low monthly service charge of just | $5 | per month | None |
| Independent Interest Checking Monthly service charge | $12 | per month | None |
| Independent Plus Checking Monthly service charge | $7 | per month | None |
| Independent Plus Senior Checking Monthly service charge | $3 | per month | None |
| Closed Account Within 180 Days of Opening | $25 | Not stated | None |
| Escheatment Fee | $20 | Not stated | None |
| Account Research (Per Hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Free monthly eStatements (paper statements available | $2 | per month | None |
| Returned Mail (Monthly, First 90 Days) | $10 | per month | None |
Overdraft & NSF | |||
| Overdraft (OD) | $36 | per item | None |
| Overdraft Automatic Transfer (Per Occurrence) | $10 | per item | None |
ATM & Card | |||
| ATM | $4 | Not stated | None |
| Foreign ATM Withdrawal and Inquiry | $2.50 | Not stated | None |
Wire Transfers | |||
| Outgoing Foreign Wire Transfer | $40 | Not stated | None |
| Incoming Foreign Wire Transfer | $20 | Not stated | None |
Check Services | |||
| Official Check (Each) | $8 | per item | None |
| Money Order (Each) | $6 | per item | None |
| Stop Payment | $36 | Not stated | None |
| Counter Check Production | $5 | Not stated | None |
| Collection Item (Incoming/Outgoing) | $20 | Not stated | None |
| Check Copies (Number Sequence) | $5 | Not stated | None |
| Check Image Copy (Each) | $3 | per item | None |
Account Services | |||
| Notary | $5 | Not stated | None |
| Drilling (audience not stated, treated as personal) | $150Not compared: Box drilling or key fee | Not stated | None |
| Late Payment Fee (audience not stated, treated as personal) | $10Not compared: Box drilling or key fee | Not stated | None |
| Lost Key (audience not stated, treated as personal) | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $110 | Not stated | None |
| Safe Deposit Box 10 x 15 (audience not stated, treated as personal) | $150 | Not stated | None |
| Safe Deposit Box 2 x 5 (audience not stated, treated as personal) | $25 | Not stated | None |
| Safe Deposit Box 3 x 10 (audience not stated, treated as personal) | $55 | Not stated | None |
| Safe Deposit Box 3 x 5 (audience not stated, treated as personal) | $30 | Not stated | None |
| Safe Deposit Box 4 x 10 (audience not stated, treated as personal) | $60 | Not stated | None |
| Safe Deposit Box 4 x 5 (audience not stated, treated as personal) | $40 | Not stated | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $75 | Not stated | None |
| Safe Deposit Box 5 x 15 (audience not stated, treated as personal) | $125 | Not stated | None |
| Safe Deposit Box 5 x 5 (audience not stated, treated as personal) | $50 | Not stated | None |
| Levy/Garnish/Tax | $100 | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closed Account Within 180 Days of Opening | $25 | Not stated | None |
| Escheatment Fee | $20 | Not stated | None |
| Account Research (Per Hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail (Monthly, First 90 Days) | $10 | per month | None |
Overdraft & NSF | |||
| Overdraft Automatic Transfer (Per Occurrence) | $10 | per item | None |
ATM & Card | |||
| ATM | $4 | Not stated | None |
| Foreign ATM Withdrawal and Inquiry | $2.50 | Not stated | None |
Wire Transfers | |||
| Outgoing Foreign Wire Transfer | $40 | Not stated | None |
| Incoming Foreign Wire Transfer | $20 | Not stated | None |
Check Services | |||
| Official Check (Each) | $8 | per item | None |
| Money Order (Each) | $6 | per item | None |
| Stop Payment | $36 | Not stated | None |
| Counter Check Production | $5 | Not stated | None |
| Collection Item (Incoming/Outgoing) | $20 | Not stated | None |
| Check Copies (Number Sequence) | $5 | Not stated | None |
| Check Image Copy (Each) | $3 | per item | None |
Digital & Electronic | |||
| Business Bill Pay Monthly Service Charge | $5 | per month | None |
Account Services | |||
| Notary | $5 | Not stated | None |
| Levy/Garnish/Tax | $100 | Not stated | None |
Oct 14, 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.
Where Bank Independent operates, and what regulators and customers have on file.
In Florence-Muscle Shoals, AL, Bank Independent holds 29.2% of bank deposits, #1 of 16, with 15 offices.
76 offices of 26 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 16 institutions shown. $3.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 29.2% share, 15 offices, #1 of 16
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
34 offices of 10 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.