Peoples Bank of Alabama

Headquarters: Cullman, Alabama
Charter: Bank
Assets: $1.4B
Fed district: Atlanta

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

Source: its fee schedule, read Oct 9, 2026.

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Fees against the market

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

Monthly Maintenance
Can be waived with a balance of $1,000 or more.
Peoples Bank of Alabama: $10
Peoples Bank of Alabama: $10
U.S. median: no median
Overdraft (OD)
Peoples Bank of Alabama: $22
Peoples Bank of Alabama: $22
U.S. median: no median
NSF / Returned Item
Peoples Bank of Alabama: $22
Peoples Bank of Alabama: $22
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

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.

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).
Alabama: Banks and credit unions headquartered in Alabama 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 Peoples Bank of Alabama’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge$10
per month
Account Closing (within 180 days of opening a checking or savings)$35
Early closeout fee$20
Dormant Fee Per Month - When balance falls below $500$10
per month
Account Reconcilement Assistance (per hour)$15
Not compared: Charged per hour; comparison unavailable
per hour
Research per copy$1
per item
Research Per Hour (minimum 1 hour charge)$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement mailed (per statement)$4
Temporary Statement (staff assisted)$2
per item
Withdrawals in excess of 6 per cycle$2
per item

Overdraft & NSF

OVERDRAFT FEE or RETURNED ITEM$22
Overdraft Paid Item Fee (per item)$22
per item
Return Item Fee (per item)$22
per item

ATM & Card

ATM Inquiry (from ATM not owned by Peoples Bank)$1
ATM Transfer (from ATM not owned by Peoples Bank)$1
ATM Withdrawal (from ATM not owned by Peoples Bank)$1
Replacement Debit Cards$5

Check Services

Official Checks (Service available for Peoples Bank of Alabama customers only)$5
Stop Payment (per item)$25
per item
Collection Items$20

Cash & Deposit

Returned Deposited Item (per check/item)$6
per item

Account Services

Legal Processing (levies and garnishments per order)$50
per item
Legal Processing (per order)$50
per item

Other Fees

Research per copy$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$10	per month	None
Account Closing (within 180 days of opening a checking or savings)	$35	Not stated	None
Early closeout fee	$20	Not stated	None
Dormant Fee Per Month - When balance falls below $500	$10	per month	None
Account Reconcilement Assistance (per hour)	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Research per copy	$1	per item	None
Research Per Hour (minimum 1 hour charge)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement mailed (per statement)	$4	Not stated	None
Temporary Statement (staff assisted)	$2	per item	None
Withdrawals in excess of 6 per cycle	$2	per item	None
Overdraft & NSF
OVERDRAFT FEE or RETURNED ITEM	$22	Not stated	None
Overdraft Paid Item Fee (per item)	$22	per item	None
Return Item Fee (per item)	$22	per item	None
ATM & Card
ATM Inquiry (from ATM not owned by Peoples Bank)	$1	Not stated	None
ATM Transfer (from ATM not owned by Peoples Bank)	$1	Not stated	None
ATM Withdrawal (from ATM not owned by Peoples Bank)	$1	Not stated	None
Replacement Debit Cards	$5	Not stated	None
Check Services
Official Checks (Service available for Peoples Bank of Alabama customers only)	$5	Not stated	None
Stop Payment (per item)	$25	per item	None
Collection Items	$20	Not stated	None
Cash & Deposit
Returned Deposited Item (per check/item)	$6	per item	None
Account Services
Legal Processing (levies and garnishments per order)	$50	per item	None
Legal Processing (per order)	$50	per item	None
Other Fees
Research per copy	$1	per item	None

Correct a fee source

Oct 9, 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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