17 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 15, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Pinnacle Checking $5 · High-Interest Checking $7 · Summit Checking $9
Compared at $7, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Tennessee, the St. Louis 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.
Apex 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Apex Bank(this institution) | Camden, TN | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| American Riviera Bank | Santa Barbara, CA | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ameriserv Financial Bank | Johnstown, PA | $1.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Armed Forces Bank, National Association | Fort Leavenworth, KS | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Benchmark Community Bank | Kenbridge, VA | $1.4B | 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 | Elizabethton, TN | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 |
| 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 |
| Farmers & Merchants Bank | Timberville, VA | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| First Federal Savings Bank of Twin Falls | Twin Falls, ID | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Grove Bank & Trust | Miami, FL | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Marquette Savings Bank | Erie, PA | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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 Bank of Alabama | Cullman, AL | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | 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 |
| Providence Bank | Rocky Mount, NC | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | 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 |
| SULLIVAN BANK | Sullivan, MO | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | 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 |
| Watertown Savings Bank | Watertown, MA | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $7, the middle of its three prices, against a peer median of $9 among 17 publishing peers.
Its three checking prices are $5, $7 and $9.
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 29, 2026.
Monthly maintenance fee in dollars, one mark per institution
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 29, 2026. Total assets from FDIC and NCUA records.
Amounts from Apex Bank’s own schedules, with a source for each figure.
per month
per month
per month
one time · Within 30 days of account opening
per month · Checking accounts dormant after 12 months with no activity; Savings, Money Market, HSA accounts dormant after 24 months
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| High-Interest Checking Maintenance fee | $7 | per month | None |
| Monthly fee | $5 | per month | None |
| Monthly fee | $9 | per month | None |
| Close Account | $25 | one time | Within 30 days of account opening |
| Dormant Account | $9.99 | per month | Checking accounts dormant after 12 months with no activity; Savings, Money Market, HSA accounts dormant after 24 months |
| Paper statement fee | $2.50 | Not stated | None |
| Paper Statement Fee | $2 | Not stated | None |
Overdraft & NSF | |||
| Authorized Overdraft Charge | $33 | per item | None |
| Non-Sufficient Funds (NSF) Charge - Returning Items | $33 | per item | None |
ATM & Card | |||
| Foreign ATM Fee | $1 | Not stated | None |
| ATM/Debit Card Replacement | $9.99 | Not stated | None |
Wire Transfers | |||
| Wire Transfer - Domestic Outgoing | $30 | per item | None |
| Wire Transfer (Domestic Outgoing) | $24.99 | Not stated | None |
| Wire Transfer - Domestic Incoming | $20 | per item | None |
| Wire Transfer (Domestic Incoming) | $24.99 | Not stated | None |
| Wire Transfer (International Outgoing) | $85 | Not stated | None |
| Wire Transfer (International Incoming) | $24.99 | Not stated | None |
Check Services | |||
| Stop Payment | $32.95 | Not stated | None |
| Stop Payment | $33 | per item | None |
Digital & Electronic | |||
| Bill Pay (each additional item per statement cycle) | $0.37 | Not stated | None |
| Bill Pay (up to 10 items per statement cycle) | $4.50 | per month | None |
Cash & Deposit | |||
| Night Deposit – per access key | $4.99 | Not stated | None |
Account Services | |||
| Garnishment/Levy | $49.99 | Not stated | None |
| Garnishment/Levy Processing | $100 | per item | None |
Other Fees | |||
| No minimum balance: Copies (per page) | $1.99 | per item | None |
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| High-Interest Checking Maintenance fee | $7 | per month | None |
| Paper Statement Fee | $2 | Not stated | None |
ATM & Card | |||
| Foreign ATM Fee | $1 | Not stated | None |
| ATM/Debit Card Replacement | $9.99 | Not stated | None |
Wire Transfers | |||
| Wire Transfer (Domestic Outgoing) | $24.99 | Not stated | None |
| Wire Transfer (Domestic Incoming) | $24.99 | Not stated | None |
| Wire Transfer (International Outgoing) | $85 | Not stated | None |
| Wire Transfer (International Incoming) | $24.99 | Not stated | None |
Check Services | |||
| Official Checks | $5 | Not stated | None |
| Stop Payment | $32.95 | Not stated | None |
Digital & Electronic | |||
| Bill Pay (each additional item per statement cycle) | $0.37 | Not stated | None |
| Bill Pay (up to 10 items per statement cycle) | $4.50 | per month | None |
Cash & Deposit | |||
| Night Deposit – per access key | $4.99 | Not stated | None |
Account Services | |||
| Business Analysis Checking: replacement, and drilling. Min Fee | $149.99Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Rental begins | $12 | Not stated | None |
| Garnishment/Levy | $49.99 | Not stated | None |
Other Fees | |||
| No minimum balance: Copies (per page) | $1.99 | per item | None |
Oct 15, 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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