Verified

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

Community bank, $1B to $10B

First United Bank & Trust

Oakland, MarylandBankRichmond Fed districtFees collected Oct 2, 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

/each Escheat Fee 3 .............................................................$10Within the typical range ($5–$52.50 nationally)

Knox deterministic extraction from Rosetta artifact #296. canonical_hint=dormant_account; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="$10.00/each Escheat Fee 3 ............................................................." · Source

/month Paper Statement with Images ..........................$5

$2 above the national median

per month · Knox deterministic extraction from Rosetta artifact #296. canonical_hint=paper_statement; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="$5/month Paper Statement with Images .........................." · Source

Avoid the monthly service charge of$9

$8.50 below the national median

per month · Knox deterministic extraction from Rosetta artifact #296. canonical_hint=monthly_maintenance; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="Avoid the monthly service charge of $9 by maintaining a $2,500 average monthly balance in this account" · Source

Compounding and Crediting Interest will be compounded monthly once balance has reached$100

$82.50 above the national median

per month · Knox deterministic extraction from Rosetta artifact #296. canonical_hint=monthly_maintenance; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="Compounding and Crediting Interest will be compounded monthly once balance has reached $100 and be credited to account monthly" · Source

Interest will continue to be earned as long as$100

$150 below the national median

per day · Knox deterministic extraction from Rosetta artifact #296. canonical_hint=minimum_balance; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="Interest will continue to be earned as long as $100 minimum balance is maintained daily" · Source

Minimum Balance Requirements A$1

$249 below the national median

per year · Knox deterministic extraction from Rosetta artifact #296. canonical_hint=minimum_balance; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="Minimum Balance Requirements A $1.00 minimum deposit is required to open this account and maintain this amount each day to earn the disclosed Annual Percentage Yield" · Source

Monthly Service Charge......................................$1

$16.50 below the national median

per month · Knox deterministic extraction from Rosetta artifact #296. canonical_hint=monthly_maintenance; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="$1.00 Monthly Service Charge......................................" · Source

Monthly Service Charge........................................ /month Foreign ATM Fee5 .................................$1

$16.50 below the national median

per month · Knox deterministic extraction from Rosetta artifact #296. canonical_hint=monthly_maintenance; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="$1.00 Monthly Service Charge........................................$10/month Foreign ATM Fee5 ..............................................." · Source

Overdraft & NSFVerified

The maximum number of overdraft fees we will charge will not be greater than$240Above the typical range ($7.50–$35 nationally)
$215 above the national median
per day · Knox deterministic extraction from Rosetta artifact #296. canonical_hint=overdraft; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="The maximum number of overdraft fees we will charge will not be greater than $240.00 per day" · Source
What fees will I be charged if First United pays my overdraft? Under our standard overdraft practices: We will charge yo$42Above the typical range ($7.50–$35 nationally)
$17 above the national median
Knox deterministic extraction from Rosetta artifact #296. canonical_hint=overdraft; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="What fees will I be charged if First United pays my overdraft? Under our standard overdraft practices: We will charge you a fee of up to $42 each time we pay an overdraft" · Source
When we determine your account is overdrawn by a total of less than$10Within the typical range ($7.50–$35 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #296. canonical_hint=overdraft; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="When we determine your account is overdrawn by a total of less than $10.00, after we finish processing for that day, we will not charge Overdraft Item Fee(s)" · Source

ATM & CardVerified

/month Foreign ATM Fee5 ...............................................$7Within the typical range ($1–$11 nationally)
$4.50 above the national median
per month · Knox deterministic extraction from Rosetta artifact #296. canonical_hint=atm_international; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="$7/month Foreign ATM Fee5 ..............................................." · Source
/month Foreign ATM Fee5 ...............................................$9Within the typical range ($1–$11 nationally)
$6.50 above the national median
per month · Knox deterministic extraction from Rosetta artifact #296. canonical_hint=atm_international; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="$9/month Foreign ATM Fee5 ..............................................." · Source
VISA Check Cards and ATM Cards will be deactivated after 12 consecutive months of inactivity$50Above the typical range ($2–$35 nationally)
$40 above the national median
Knox deterministic extraction from Rosetta artifact #296. canonical_hint=atm_non_network; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="$50.00 VISA Check Cards and ATM Cards will be deactivated after 12 consecutive months of inactivity" · Source

Check ServicesVerified

/item or /hour Stop Payment Orders 2 .....................................$5Below the typical range ($17.50–$30 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #296. canonical_hint=stop_payment; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="$5.00/item or $40.00/hour Stop Payment Orders 2 ....................................." · Source
Second Street, Suite 4, Oakland, Maryland 21550 Customer Service Center: 1-888-692-2654 First United Bank & Trust - Rout$5Within the typical range ($2.25–$6 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #296. canonical_hint=check_image; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="Second Street, Suite 4, Oakland, Maryland 21550 Customer Service Center: 1-888-692-2654 First United Bank & Trust - Routing Number: 052100987 Safekeeping Account - Check Copy Reque" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
/each Escheat Fee 3 .............................................................	$10Within the typical range ($5–$52.50 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #296. canonical_hint=dormant_account; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="$10.00/each Escheat Fee 3 ............................................................."	Source
/month Paper Statement with Images ..........................	$5Within the typical range ($2–$5 nationally)	$2 above the national median	per month	Knox deterministic extraction from Rosetta artifact #296. canonical_hint=paper_statement; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="$5/month Paper Statement with Images .........................."	Source
Avoid the monthly service charge of	$9Within the typical range ($5–$200 nationally)	$8.50 below the national median	per month	Knox deterministic extraction from Rosetta artifact #296. canonical_hint=monthly_maintenance; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="Avoid the monthly service charge of $9 by maintaining a $2,500 average monthly balance in this account"	Source
Compounding and Crediting Interest will be compounded monthly once balance has reached	$100Within the typical range ($5–$200 nationally)	$82.50 above the national median	per month	Knox deterministic extraction from Rosetta artifact #296. canonical_hint=monthly_maintenance; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="Compounding and Crediting Interest will be compounded monthly once balance has reached $100 and be credited to account monthly"	Source
Interest will continue to be earned as long as	$100Within the typical range ($9.25–$750 nationally)	$150 below the national median	per day	Knox deterministic extraction from Rosetta artifact #296. canonical_hint=minimum_balance; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="Interest will continue to be earned as long as $100 minimum balance is maintained daily"	Source
Minimum Balance Requirements A	$1Below the typical range ($9.25–$750 nationally)	$249 below the national median	per year	Knox deterministic extraction from Rosetta artifact #296. canonical_hint=minimum_balance; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="Minimum Balance Requirements A $1.00 minimum deposit is required to open this account and maintain this amount each day to earn the disclosed Annual Percentage Yield"	Source
Monthly Service Charge......................................	$1Below the typical range ($5–$200 nationally)	$16.50 below the national median	per month	Knox deterministic extraction from Rosetta artifact #296. canonical_hint=monthly_maintenance; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="$1.00 Monthly Service Charge......................................"	Source
Monthly Service Charge........................................ /month Foreign ATM Fee5 .................................	$1Below the typical range ($5–$200 nationally)	$16.50 below the national median	per month	Knox deterministic extraction from Rosetta artifact #296. canonical_hint=monthly_maintenance; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="$1.00 Monthly Service Charge........................................$10/month Foreign ATM Fee5 ..............................................."	Source
Overdraft & NSFVerified
The maximum number of overdraft fees we will charge will not be greater than	$240Above the typical range ($7.50–$35 nationally)	$215 above the national median	per day	Knox deterministic extraction from Rosetta artifact #296. canonical_hint=overdraft; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="The maximum number of overdraft fees we will charge will not be greater than $240.00 per day"	Source

ATM & CardVerified
/month Foreign ATM Fee5 ...............................................	$7Within the typical range ($1–$11 nationally)	$4.50 above the national median	per month	Knox deterministic extraction from Rosetta artifact #296. canonical_hint=atm_international; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="$7/month Foreign ATM Fee5 ..............................................."	Source

Check ServicesVerified
/item or /hour Stop Payment Orders 2 .....................................	$5Below the typical range ($17.50–$30 nationally)	$20 below the national median	—	Knox deterministic extraction from Rosetta artifact #296. canonical_hint=stop_payment; text_hash=c5731924649eb954982202cdc018579e8f239a037c99eea2de1c8162d061bc98; excerpt="$5.00/item or $40.00/hour Stop Payment Orders 2 ....................................."	Source

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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

$240

Overdraft fee: $240

Overdraft fee cap or limit policy detected — fewer surprise charges

860% above the national median overdraft fee

Verified fees

Under review

Assets

$2.1B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$2.1B

Total deposits

$1.7B

Service charge income

$568K

Fee income ratio

2.4%

Return on assets

1.15%

Branches

Service charge income by quarter

Q2 2026$568K

Q1 2026$547K

Q4 2025$568K

Q3 2025$563K

Financial profile · Pro

Performance from regulator filings

What fees will I be charged if First United pays my overdraft? Under our standard overdraft practices: We will charge yo

/month Foreign ATM Fee5 ...............................................

Second Street, Suite 4, Oakland, Maryland 21550 Customer Service Center: 1-888-692-2654 First United Bank & Trust - Rout

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

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