Providence Bank

Headquarters: Rocky Mount, North Carolina
Charter: Bank
Assets: $1.5B
Fed district: Richmond

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

Source: its fee schedule, read Oct 30, 2026.

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Fees against the market

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

Monthly Maintenance
Probank Checking $15 · Partner Checking $30
Compared at $22.50, the middle of its prices
Providence Bank: $15 to $30
Providence Bank: $15 to $30
U.S. median: no median
Overdraft (OD)
Providence Bank: $25
Providence Bank: $25
U.S. median: no median
NSF / Returned Item
Providence Bank: $25
Providence Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 30, 2026View sources

Each amount links to the fee schedule it was read from. Medians for North Carolina, the Richmond 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).
North Carolina: Banks and credit unions headquartered in North Carolina that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond 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 Providence Bank’s own schedules, with a source for each figure.

Account Maintenance

Partner Checking Monthly service fee$30
per month · Waive the $30 monthly service fee with a monthly direct deposit
Probank Checking Monthly service fee$15
per month
Early Account Closing (if closed within 90 days)$10
Dormant Fee (in addition to other applicable service charges)$5
Statement Reconciliation (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Fee$25
Non-Sufficient Fee (NSF)/Returned Items$25
1st Continuous Overdraft fee charged after the 5th consecutive business day your account is in a negative balance$3

ATM & Card

Replacement ATM/Debit Card$5

Wire Transfers

Wire Transfers: Domestic$25

Check Services

Official Checks: Customers$5
Official Checks: Non-Customers$10
Stop Payment Order$25
Check Cashing: Non-Customer$5

Digital & Electronic

Online Bill Payment$5.95

Cash & Deposit

Return Deposit Items$4

Account Services

Safe Deposit Box 10 X 10$100
Safe Deposit Box 3 X 10$45
Safe Deposit Box 3 X 5$30
Safe Deposit Box 5 X 10$60
Legal Processing Fee$35

Other Fees

Interim Statements$10

Fee	Amount	Basis	Note
Account Maintenance
Partner Checking Monthly service fee	$30	per month	Waive the $30 monthly service fee with a monthly direct deposit
Probank Checking Monthly service fee	$15	per month	None
Early Account Closing (if closed within 90 days)	$10	Not stated	None
Dormant Fee (in addition to other applicable service charges)	$5	Not stated	None
Statement Reconciliation (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Fee	$25	Not stated	None
Non-Sufficient Fee (NSF)/Returned Items	$25	Not stated	None
1st Continuous Overdraft fee charged after the 5th consecutive business day your account is in a negative balance	$3	Not stated	None
ATM & Card
Replacement ATM/Debit Card	$5	Not stated	None
Wire Transfers
Wire Transfers: Domestic	$25	Not stated	None
Check Services
Official Checks: Customers	$5	Not stated	None
Official Checks: Non-Customers	$10	Not stated	None
Stop Payment Order	$25	Not stated	None
Check Cashing: Non-Customer	$5	Not stated	None
Digital & Electronic
Online Bill Payment	$5.95	Not stated	None
Cash & Deposit
Return Deposit Items	$4	Not stated	None
Account Services
Safe Deposit Box 10 X 10	$100	Not stated	None
Safe Deposit Box 3 X 10	$45	Not stated	None
Safe Deposit Box 3 X 5	$30	Not stated	None
Safe Deposit Box 5 X 10	$60	Not stated	None
Legal Processing Fee	$35	Not stated	None
Other Fees
Interim Statements	$10	Not stated	None

Correct a fee source

Oct 30, 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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