Piedmont Federal Savings Bank

Headquarters: Winston Salem, North Carolina
Charter: Bank
Assets: $1.3B
Fed district: Richmond

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

Source: its fee schedule, read Oct 4, 2026.

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Fees against the market

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

Overdraft (OD)
Piedmont Federal Savings Bank: $20
Piedmont Federal Savings Bank: $20
U.S. median: no median
NSF / Returned Item
Piedmont Federal Savings Bank: $20
Piedmont Federal Savings Bank: $20
U.S. median: no median
Wire Transfer (Domestic Out)
Piedmont Federal Savings Bank: $25
Piedmont Federal Savings Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 4, 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 Piedmont Federal Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Statement Savings – Average Daily Balance less than $100.00$2
per month
Inactivity/Dormant Fee-Checking Accounts$5
per month
Inactivity/Dormant Fee-Savings and Money Market Accounts$3
per month
Research Fees and Statement Reconcilement$30
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Activity Fee (Over limit of 6)$10
per item
Undeliverable Mail$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Non-Sufficient Funds (NSF) – Paid Check/ACH$20
per item
Non-Sufficient Funds (NSF) – Returned Check/ACH$20
per item
Non-Sufficient Funds Daily Cap$60
per day

ATM & Card

Lost Card Replacement$5
Not compared: Annual charge, not per item
per year

Wire Transfers

Wire – Domestic Outgoing$25
Wire – Domestic IncomingNo charge
Wire – International Outgoing$50
Wire – International Incoming$25

Check Services

Official Check – Customer$8
Stop Payment$10
Stop Payment Fee (ACH/Check/Bill Pay)$35
per item
Image CopyNo charge

Digital & Electronic

Expedited Fee – Bill Pay$14.95
Online Banking & Bill PayNo charge

Cash & Deposit

DBA – Returned Deposited Item$12
per item

Account Services

Drilling$200
Not compared: Box drilling or key fee
Key Replacement$50
Not compared: Box drilling or key fee
Safe Deposit Box 10 X 10$120
per year
Safe Deposit Box 3 X 10$50
per year
Safe Deposit Box 3 X 5$40
per year
Safe Deposit Box 5 X 10$80
per year
Legal Fees (Tax Levy)$100

Gift & Prepaid Cards

Gift Card$3
per item

Other Fees

Statement Copy$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Statement Savings – Average Daily Balance less than $100.00	$2	per month	None
Inactivity/Dormant Fee-Checking Accounts	$5	per month	None
Inactivity/Dormant Fee-Savings and Money Market Accounts	$3	per month	None
Research Fees and Statement Reconcilement	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive Activity Fee (Over limit of 6)	$10	per item	None
Undeliverable Mail	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Non-Sufficient Funds (NSF) – Paid Check/ACH	$20	per item	None
Non-Sufficient Funds (NSF) – Returned Check/ACH	$20	per item	None
Non-Sufficient Funds Daily Cap	$60	per day	None
ATM & Card
Lost Card Replacement	$5Not compared: Annual charge, not per item	per year	None
Wire Transfers
Wire – Domestic Outgoing	$25	Not stated	None
Wire – Domestic Incoming	No charge	Not stated	None
Wire – International Outgoing	$50	Not stated	None
Wire – International Incoming	$25	Not stated	None
Check Services
Official Check – Customer	$8	Not stated	None
Stop Payment	$10	Not stated	None
Stop Payment Fee (ACH/Check/Bill Pay)	$35	per item	None
Image Copy	No charge	Not stated	None
Digital & Electronic
Expedited Fee – Bill Pay	$14.95	Not stated	None
Online Banking & Bill Pay	No charge	Not stated	None
Cash & Deposit
DBA – Returned Deposited Item	$12	per item	None
Account Services
Drilling	$200Not compared: Box drilling or key fee	Not stated	None
Key Replacement	$50Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 X 10	$120	per year	None
Safe Deposit Box 3 X 10	$50	per year	None
Safe Deposit Box 3 X 5	$40	per year	None
Safe Deposit Box 5 X 10	$80	per year	None
Legal Fees (Tax Levy)	$100	Not stated	None
Gift & Prepaid Cards
Gift Card	$3	per item	None
Other Fees
Statement Copy	$5	per item	None

Correct a fee source

Oct 4, 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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