Fee schedule collected Apr 21, 2026 · Financials as of Q1 2026
Verified fees
24
Under review
0
Assets
$3.1B
Fee benchmark score
Not scored
Financials as of
Q1 2026
Headline fees vs. national median
Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.
Fee Schedule
Verified fees power benchmarks; fees under review do not.
per month · No activity for 12 months and balance less than $100 · Source
per item · Per unclaimed account sent to state of Tennessee · Source
per item · Per hour with $25 minimum charge · Source
per item · When bank facilitates transfer of automatic payments and checks from previous account · Source
per item · Per statement · Source
per day · Per business day, beginning 4th business day after account is overdrawn; no fee if overdrawn less than $10 · Source
per item · Source
per item · When transaction processed without sufficient funds · Source
per day · Maximum total NSF and daily overdraft charges on consumer checking accounts per business day · Source
one time · To set up automatic transfer from linked account to cover overdrafts · Source
per item · Source
per item · Source
per item · This fee applies to ATMs outside our bank's network or in another country. The fee is set by the ATM operator and passed through to you. The amount varies depending on the ATM provider and location. We do not impose additional fees for external ATM use. Customers can avoid this fee by using our bank's ATMs or MoneyPass network ATMs. · Source
per item · Source
per item · Consumer and non-Online Cash Management initiated wires · Source
per item · Source
per item · Source
per item · For business customers only, enrolled in Online Cash Management · Source
per item · Source
per item · Per levy or garnishment · Source
Swipe for source and notes →
| Fee | Amount | Basis | Note | Source |
|---|---|---|---|---|
Account MaintenanceVerified | ||||
| Dormant Account Charge | $5 | per month | No activity for 12 months and balance less than $100 | Source |
| Escheat Fee | $25 | per item | Per unclaimed account sent to state of Tennessee | Source |
| Research Fee | $25 | per item | Per hour with $25 minimum charge | Source |
| Special Handling Fee | $25 | per item | When bank facilitates transfer of automatic payments and checks from previous account | Source |
| Statement Re-Print Fee | $5 | per item | Per statement | Source |
Overdraft & NSFVerified | ||||
| Daily Overdraft Charge | $5 | per day | Per business day, beginning 4th business day after account is overdrawn; no fee if overdrawn less than $10 | Source |
| Loan Payment Returned | $15 | per item | — | Source |
| NSF - Paid Item | ||||
ATM & CardVerified | ||||
| Chargeback Fee | $10 | per item | — | Source |
| Debit Card Replacement Fee | $10 | per item | — | Source |
| External ATM Fee | — | |||
Wire TransfersVerified | ||||
| Wire Transfer Fee: Domestic Incoming | $12 | per item | — | Source |
| Wire Transfer Fee: Domestic Outgoing via VB Branch | $20 | per item | Consumer and non-Online Cash Management initiated wires | Source |
| Wire Transfer Fee: International Incoming | ||||
Check ServicesVerified | ||||
| Cashier's Check Fee | $5 | per item | — | Source |
| Statement : front and back check images (per statement) | $2 | per item | — | Source |
| Stop Payment Fee | $34 | |||
Cash & DepositVerified | ||||
| Charge Off / Collection Fee | $25 | per item | — | Source |
Account ServicesVerified | ||||
| Levy/Garnishment Fee | $100 | per item | Per levy or garnishment | Source |
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Every fee on this page benchmarked against a verified peer set, in a board-ready document.
Financial Context
Financials as of Q1 2026 · FDIC call report
Total assets
$3.1B
Total deposits
$2.6B
Service charge income
$275K
Fee income ratio
0.90%
Return on assets
1.20%
Branches
36
Service charge income by quarter
| $33 |
| per item |
| When transaction processed without sufficient funds |
| Source |
| NSF and Overdraft Daily Cap | $137 | per day | Maximum total NSF and daily overdraft charges on consumer checking accounts per business day | Source |
| ODP Transfer Set-up Fee | $5 | one time | To set up automatic transfer from linked account to cover overdrafts | Source |
| per item |
| This fee applies to ATMs outside our bank's network or in another country. The fee is set by the ATM operator and passed through to you. The amount varies depending on the ATM provider and location. We do not impose additional fees for external ATM use. Customers can avoid this fee by using our bank's ATMs or MoneyPass network ATMs. |
| Source |
| $40 |
| per item |
| — |
| Source |
| Wire Transfer Fee: International Outgoing | $50 | per item | — | Source |
| Wire Transfer Fee:Domestic Outgoing via Business Online Cash Management | $15 | per item | For business customers only, enrolled in Online Cash Management | Source |
| per item |
| — |
| Source |