16 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 3, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Each amount links to the fee schedule it was read from. Medians for Tennessee, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Amounts from Lawrence Bank’s own schedules, with a source for each figure.
per month · No activity for 12 months and balance less than $100
per item
per hour
per item · When bank facilitates transfer of automatic payments and checks from previous account
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Charge | $5 | per month | No activity for 12 months and balance less than $100 |
| Escheat Fee ( per unclaimed account sent to the state of Tennessee) | $25 | Not stated | None |
| Chargeback Fee | $10 | per item | None |
| Research Fee (per hour; minimum charge $25) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Special Handling Fee | $25 | per item | When bank facilitates transfer of automatic payments and checks from previous account |
| Paper statement fee | $2 | Not stated | None |
| Statement: paper statement fee | $5 | Not stated | None |
Overdraft & NSF | |||
| Overdraft or Non-sufficient Funds (NSF) Charges: NSF - Paid Item 1,2 | $35 | Not stated | None |
| NSF -Return Item 1,2 | $35 | Not stated | None |
| Daily Overdraft Charge | $5 | per day | Per business day, beginning 4th business day after account is overdrawn; no fee if overdrawn less than $10 |
ATM & Card | |||
| Debit Card Replacement Fee | $10 | per item | None |
Wire Transfers | |||
| Wire Transfer Fee: Domestic Outgoing via any branch location | $20 | Not stated | None |
| Wire Transfer Fee: Domestic Incoming | $12 | per item | None |
| Wire Transfer Fee: International Outgoing | $50 | per item | None |
| Wire Transfer Fee: International Incoming | $40 | per item | None |
Check Services | |||
| Fee Schedule as of June 8, 2026 Cashier’s Check Fee (per Item) | $7.50 | per item | None |
| Statement fee: front and bank check images (per statement) | $2 | Not stated | None |
| Stop Payment fee | $35 | Not stated | None |
| Statement: front and back check images (per statement) (audience not stated, treated as personal) | $2 | per item | None |
Cash & Deposit | |||
| Chargeback Fee (per item) | $10 | per item | None |
Account Services | |||
| Levy/Garnishment Fee | $100 | per item | Per levy or garnishment |
| Levy/Garnishment Fee ( per levy or garnishment) | $100 | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 3, 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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