Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, $1B to $10B

Providence Bank

Rocky Mount, North CarolinaBankRichmond Fed districtFees collected Oct 3, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Dormant Fee (in addition to other applicable service charges)$5Within the typical range ($5–$10 nationally)

Knox deterministic extraction from Rosetta artifact #4877. canonical_hint=dormant_account; text_hash=57db4e09ce195ac722eac2b3bffd7ab5e6449b5d8f744d63e75e5841b74b9b19; excerpt="Dormant Fee (in addition to other applicable service charges) | $5.00" · Source

Early Account Closing (if closed within 90 days)$10

$5 below the national median

Knox deterministic extraction from Rosetta artifact #4877. canonical_hint=early_closure; text_hash=57db4e09ce195ac722eac2b3bffd7ab5e6449b5d8f744d63e75e5841b74b9b19; excerpt="Early Account Closing (if closed within 90 days) | $10.00" · Source

Statement Reconciliation (per hour)$25

At the national median

Knox deterministic extraction from Rosetta artifact #4877. canonical_hint=account_research; text_hash=57db4e09ce195ac722eac2b3bffd7ab5e6449b5d8f744d63e75e5841b74b9b19; excerpt="Statement Reconciliation (per hour) | $25.00" · Source

Overdraft & NSFVerified

1st Continuous Overdraft fee charged after the 5th consecutive business day your account is in a negative balance$3Below the typical range ($5–$25 nationally)
$3 below the national median
Knox deterministic extraction from Rosetta artifact #4877. canonical_hint=continuous_od; text_hash=57db4e09ce195ac722eac2b3bffd7ab5e6449b5d8f744d63e75e5841b74b9b19; excerpt="1st Continuous Overdraft fee charged after the 5th consecutive business day your account is in a negative balance | $3.00" · Source
Non-Sufficient Fee (NSF)/Returned Items$25Within the typical range ($25–$31 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #4877. canonical_hint=nsf; text_hash=57db4e09ce195ac722eac2b3bffd7ab5e6449b5d8f744d63e75e5841b74b9b19; excerpt="Non-Sufficient Fee (NSF)/Returned Items | $25.00" · Source
Overdraft Fee (this fee applies to overdraft created by check, in person withdrawal, or other electronic means)$25Within the typical range ($25–$31 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #4877. canonical_hint=overdraft; text_hash=57db4e09ce195ac722eac2b3bffd7ab5e6449b5d8f744d63e75e5841b74b9b19; excerpt="Overdraft Fee (this fee applies to overdraft created by check, in person withdrawal, or other electronic means) | $25.00" · Source

ATM & CardVerified

Replacement ATM/Debit Card$5Within the typical range ($5–$10 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #4877. canonical_hint=card_replacement; text_hash=57db4e09ce195ac722eac2b3bffd7ab5e6449b5d8f744d63e75e5841b74b9b19; excerpt="Replacement ATM/Debit Card | $5.00" · Source

Check ServicesVerified

Stop Payment Order$25Within the typical range ($20–$30 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #4877. canonical_hint=stop_payment; text_hash=57db4e09ce195ac722eac2b3bffd7ab5e6449b5d8f744d63e75e5841b74b9b19; excerpt="Stop Payment Order | $25.00" · Source

Digital & ElectronicVerified

Online Bill Payment$5.95Within the typical range ($0–$11.29 nationally)
$0.98 above the national median
Knox deterministic extraction from Rosetta artifact #4877. canonical_hint=bill_pay; text_hash=57db4e09ce195ac722eac2b3bffd7ab5e6449b5d8f744d63e75e5841b74b9b19; excerpt="Online Bill Payment | $5.95" · Source

Cash & DepositVerified

Return Deposit Items$4Below the typical range ($10–$25 nationally)
$11 below the national median
Knox deterministic extraction from Rosetta artifact #4877. canonical_hint=deposited_item_return; text_hash=57db4e09ce195ac722eac2b3bffd7ab5e6449b5d8f744d63e75e5841b74b9b19; excerpt="Return Deposit Items | $4.00" · Source

Other FeesVerified

Interim Statements$10Above the typical range ($2–$5 nationally)
$7 above the national median
Knox deterministic extraction from Rosetta artifact #4877. canonical_hint=document_reproduction; text_hash=57db4e09ce195ac722eac2b3bffd7ab5e6449b5d8f744d63e75e5841b74b9b19; excerpt="Interim Statements | $10.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Fee (in addition to other applicable service charges)	$5Within the typical range ($5–$10 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #4877. canonical_hint=dormant_account; text_hash=57db4e09ce195ac722eac2b3bffd7ab5e6449b5d8f744d63e75e5841b74b9b19; excerpt="Dormant Fee (in addition to other applicable service charges) \| $5.00"	Source
Early Account Closing (if closed within 90 days)	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #4877. canonical_hint=early_closure; text_hash=57db4e09ce195ac722eac2b3bffd7ab5e6449b5d8f744d63e75e5841b74b9b19; excerpt="Early Account Closing (if closed within 90 days) \| $10.00"	Source
Statement Reconciliation (per hour)	$25Within the typical range ($17.50–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #4877. canonical_hint=account_research; text_hash=57db4e09ce195ac722eac2b3bffd7ab5e6449b5d8f744d63e75e5841b74b9b19; excerpt="Statement Reconciliation (per hour) \| $25.00"	Source
Overdraft & NSFVerified
1st Continuous Overdraft fee charged after the 5th consecutive business day your account is in a negative balance	$3Below the typical range ($5–$25 nationally)	$3 below the national median	—	Knox deterministic extraction from Rosetta artifact #4877. canonical_hint=continuous_od; text_hash=57db4e09ce195ac722eac2b3bffd7ab5e6449b5d8f744d63e75e5841b74b9b19; excerpt="1st Continuous Overdraft fee charged after the 5th consecutive business day your account is in a negative balance \| $3.00"	Source

ATM & CardVerified
Replacement ATM/Debit Card	$5Within the typical range ($5–$10 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #4877. canonical_hint=card_replacement; text_hash=57db4e09ce195ac722eac2b3bffd7ab5e6449b5d8f744d63e75e5841b74b9b19; excerpt="Replacement ATM/Debit Card \| $5.00"	Source
Check ServicesVerified
Stop Payment Order	$25Within the typical range ($20–$30 nationally)	$0.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #4877. canonical_hint=stop_payment; text_hash=57db4e09ce195ac722eac2b3bffd7ab5e6449b5d8f744d63e75e5841b74b9b19; excerpt="Stop Payment Order \| $25.00"	Source
Digital & ElectronicVerified
Online Bill Payment	$5.95Within the typical range ($0–$11.29 nationally)	$0.98 above the national median	—	Knox deterministic extraction from Rosetta artifact #4877. canonical_hint=bill_pay; text_hash=57db4e09ce195ac722eac2b3bffd7ab5e6449b5d8f744d63e75e5841b74b9b19; excerpt="Online Bill Payment \| $5.95"	Source
Cash & DepositVerified
Return Deposit Items	$4Below the typical range ($10–$25 nationally)	$11 below the national median	—	Knox deterministic extraction from Rosetta artifact #4877. canonical_hint=deposited_item_return; text_hash=57db4e09ce195ac722eac2b3bffd7ab5e6449b5d8f744d63e75e5841b74b9b19; excerpt="Return Deposit Items \| $4.00"	Source
Other FeesVerified
Interim Statements	$10Above the typical range ($2–$5 nationally)	$7 above the national median	—	Knox deterministic extraction from Rosetta artifact #4877. canonical_hint=document_reproduction; text_hash=57db4e09ce195ac722eac2b3bffd7ab5e6449b5d8f744d63e75e5841b74b9b19; excerpt="Interim Statements \| $10.00"	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

$25

Overdraft fee: $25

17% below the national median overdraft fee

Total fees: 11 — leaner than most institutions

Headline fees published

5 of 15

Published fees

Under review

Assets

$1.5B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$1.5B

Total deposits

$1.3B

Service charge income

$156K

Fee income ratio

1.0%

Return on assets

1.83%

Branches

Service charge income by quarter

Q2 2026$156K

Q1 2026$68K

Q4 2025$66K

Q3 2025$65K

Financial profile · Pro

Performance from regulator filings

Non-Sufficient Fee (NSF)/Returned Items

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

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