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.

Explore Hamilton View published fees

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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Among its peers

Providence Bank · $1.5B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Banks only
$1.5B to $1.6B in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Providence Bank(this institution)	Rocky Mount, NC	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
1st Summit Bank	Johnstown, PA	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
American Heritage Bank	Sapulpa, OK	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Ameriserv Financial Bank	Johnstown, PA	$1.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Apex Bank	Camden, TN	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Central Bank Illinois	Geneseo, IL	$1.5B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Citizens Bank and Trust	Frostproof, FL	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
CorTrust Bank National Association	Mitchell, SD	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dieterich Bank	Effingham, IL	$1.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Elkhorn Valley Bank & Trust	Norfolk, NE	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Bank Richmond	Richmond, IN	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First National Bank of Pulaski	Pulaski, TN	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First State Bank	Mendota, IL	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Greenfield Savings Bank	Greenfield, MA	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Main Street Bank Corp.	Wooster, OH	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Newburyport Five Cents Savings Bank	Newburyport, MA	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North State Bank	Raleigh, NC	$1.5B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pathfinder Bank	Oswego, NY	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peoples State Bank	Wausau, WI	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Rhinebeck Bank	Rhinebeck, NY	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Saco & Biddeford Savings Institution	Saco, ME	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Citizens Bank of Philadelphia, Mississippi	Philadelphia, MS	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Moody National Bank	Galveston, TX	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Union Bank	Morrisville, VT	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Union County Savings Bank	Elizabeth, NJ	$1.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Bank	Atmore, AL	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 20 publish this fee(monthly maintenance)

5 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $15.52 (222%) above the median of similar-sized banks.

Compared at $22.50, the middle of its two prices, against a peer median of $6.98 among 20 publishing peers.

Its two checking prices are $15 and $30.

$22.50 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026.

Monthly maintenance fee in dollars, one mark per institution

Providence Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.

Fee change alerts

Get an email when Providence Bank's ach origination changes in our data

We check once a day and send one email covering every change.

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

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.

Among its peers

Providence Bank · $1.5B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Banks only
$1.5B to $1.6B in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Providence Bank(this institution)	Rocky Mount, NC	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
1st Summit Bank	Johnstown, PA	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
American Heritage Bank	Sapulpa, OK	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Ameriserv Financial Bank	Johnstown, PA	$1.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Apex Bank	Camden, TN	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Central Bank Illinois	Geneseo, IL	$1.5B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Citizens Bank and Trust	Frostproof, FL	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
CorTrust Bank National Association	Mitchell, SD	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dieterich Bank	Effingham, IL	$1.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Elkhorn Valley Bank & Trust	Norfolk, NE	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Bank Richmond	Richmond, IN	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First National Bank of Pulaski	Pulaski, TN	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First State Bank	Mendota, IL	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Greenfield Savings Bank	Greenfield, MA	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Main Street Bank Corp.	Wooster, OH	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Newburyport Five Cents Savings Bank	Newburyport, MA	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North State Bank	Raleigh, NC	$1.5B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pathfinder Bank	Oswego, NY	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peoples State Bank	Wausau, WI	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Rhinebeck Bank	Rhinebeck, NY	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Saco & Biddeford Savings Institution	Saco, ME	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Citizens Bank of Philadelphia, Mississippi	Philadelphia, MS	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Moody National Bank	Galveston, TX	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Union Bank	Morrisville, VT	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Union County Savings Bank	Elizabeth, NJ	$1.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Bank	Atmore, AL	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 20 publish this fee(monthly maintenance)

5 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $15.52 (222%) above the median of similar-sized banks.

Compared at $22.50, the middle of its two prices, against a peer median of $6.98 among 20 publishing peers.

Its two checking prices are $15 and $30.

$22.50 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026.

Monthly maintenance fee in dollars, one mark per institution

Providence Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.