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

Piedmont Federal Savings Bank

Winston Salem, North CarolinaBankRichmond Fed districtFees collected Oct 4, 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

Statement Savings – Average Daily Balance less than$2Below the typical range ($5–$10 nationally)

$5 below the national median$1 below the North Carolina median

Inactivity/Dormant Fee-Checking Accounts$5

At the national medianAt the North Carolina median

per month · Source

Inactivity/Dormant Fee-Savings and Money Market Accounts$3

$2 below the national median$2 below the North Carolina median

per month · Source

Excessive Activity Fee (Over limit of 6)$10

$7.50 below the national median$1 below the North Carolina median

per item · Knox extract.rules v33 categorized a line held for review from Rosetta artifact #2085. canonical_hint=account_research; text_hash=35971bede78baf82c1f1eddbc8fc07693e3b78419cb2c9785dafa7d286201ddc; excerpt="Excessive Activity Fee (Over limit of 6) | $10.00 per item" · Source

Undeliverable Mail$5

$12.50 below the national median$6 below the North Carolina median

per item · Source

Overdraft & NSFVerified

Non-Sufficient Funds (NSF) – Paid Check/ACH$20Below the typical range ($25–$33 nationally)
$10 below the national median$9 below the North Carolina median
per item · Source
Non-Sufficient Funds (NSF) – Returned Check/ACH$20Below the typical range ($25–$32 nationally)
$10 below the national median$5 below the North Carolina median
per item · Source
Non-Sufficient Funds Daily Cap$60Below the typical range ($99–$175 nationally)
$65 below the national median
per day · Institution’s schedule

ATM & CardVerified

Lost Card Replacement$5Within the typical range ($5–$10 nationally)
$5 below the national medianAt the North Carolina median
per year · Source

Wire TransfersVerified

Wire – Domestic Outgoing$25Within the typical range ($20–$25 nationally)
At the national median$6 above the North Carolina median
Source
Wire – Domestic Incoming$0Below the typical range ($5–$15 nationally)
$10 below the national median$10 below the North Carolina median
Source
Wire – International Outgoing$50Within the typical range ($40–$50 nationally)
At the national median$5 above the North Carolina median
Source
Wire – International Incoming$25Within the typical range ($10–$25 nationally)
$5 above the national median$2.50 above the North Carolina median
Source

Check ServicesVerified

Official Check – Customer$8Above the typical range ($3–$6 nationally)
$3 above the national median$4 above the North Carolina median
Source
Stop Payment$10Below the typical range ($20–$30 nationally)
$17.50 below the national median$19 below the North Carolina median
Source
Stop Payment Fee (ACH/Check/Bill Pay)$35Above the typical range ($20–$30 nationally)
$7.50 above the national median$6 above the North Carolina median
per item · Source

Digital & ElectronicVerified

Expedited Fee – Bill Pay$14.95Above the typical range ($0–$9.95 nationally)
$12.45 above the national median$12.95 above the North Carolina median
Source
Online Banking & Bill Pay$0Within the typical range ($0–$9.95 nationally)
$2.50 below the national median$2 below the North Carolina median
Source

Cash & DepositVerified

DBA – Returned Deposited Item$12Within the typical range ($8–$25 nationally)
$3 below the national median$2 above the North Carolina median
per item · Source

Account ServicesVerified

Drilling$200Above the typical range ($30–$70 nationally)
$155 above the national median$147.50 above the North Carolina median
Source
Safe Deposit Box 10 X 10$120Above the typical range ($30–$70 nationally)
$75 above the national median$67.50 above the North Carolina median
per year · Source
Safe Deposit Box 3 X 10$50Within the typical range ($30–$70 nationally)
$5 above the national median$2.50 below the North Carolina median
per year · Source
Safe Deposit Box 3 X 5$40Within the typical range ($30–$70 nationally)
$5 below the national median$12.50 below the North Carolina median
per year · Source
Safe Deposit Box 5 X 10$80Above the typical range ($30–$70 nationally)
$35 above the national median$27.50 above the North Carolina median
per year · Source
Legal Fees (Tax Levy)$100Above the typical range ($30–$90 nationally)
$50 above the national median$30 above the North Carolina median
Source

Gift & Prepaid CardsVerified

Gift Card$3Within the typical range ($3–$4.95 nationally)
$0.50 below the national median$0.25 below the North Carolina median
per item · Source

Other FeesVerified

Statement Copy$5Within the typical range ($2–$5 nationally)
$2 above the national medianAt the North Carolina median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Statement Savings – Average Daily Balance less than	$2Below the typical range ($5–$10 nationally)	$5 below the national median$1 below the North Carolina median	per month	—	Source
Inactivity/Dormant Fee-Checking Accounts	$5Within the typical range ($5–$10 nationally)	At the national medianAt the North Carolina median	per month	—	Source
Inactivity/Dormant Fee-Savings and Money Market Accounts	$3Below the typical range ($5–$10 nationally)	$2 below the national median$2 below the North Carolina median	per month	—	Source
Excessive Activity Fee (Over limit of 6)	$10Below the typical range ($12–$25 nationally)	$7.50 below the national median$1 below the North Carolina median	per item	Knox extract.rules v33 categorized a line held for review from Rosetta artifact #2085. canonical_hint=account_research; text_hash=35971bede78baf82c1f1eddbc8fc07693e3b78419cb2c9785dafa7d286201ddc; excerpt="Excessive Activity Fee (Over limit of 6) \| $10.00 per item"	Source
Undeliverable Mail	$5Below the typical range ($12–$25 nationally)	$12.50 below the national median$6 below the North Carolina median	per item	—	Source
Overdraft & NSFVerified
Non-Sufficient Funds (NSF) – Paid Check/ACH	$20Below the typical range ($25–$33 nationally)	$10 below the national median$9 below the North Carolina median	per item	—	Source
Non-Sufficient Funds (NSF) – Returned Check/ACH	$20
ATM & CardVerified
Lost Card Replacement	$5Within the typical range ($5–$10 nationally)	$5 below the national medianAt the North Carolina median	per year	—	Source
Wire TransfersVerified
Wire – Domestic Outgoing	$25Within the typical range ($20–$25 nationally)	At the national median$6 above the North Carolina median	—	—	Source
Wire – Domestic Incoming	$0
Check ServicesVerified
Official Check – Customer	$8Above the typical range ($3–$6 nationally)	$3 above the national median$4 above the North Carolina median	—	—	Source
Stop Payment	$10
Digital & ElectronicVerified
Expedited Fee – Bill Pay	$14.95Above the typical range ($0–$9.95 nationally)	$12.45 above the national median$12.95 above the North Carolina median	—	—	Source
Online Banking & Bill Pay	$0
Cash & DepositVerified
DBA – Returned Deposited Item	$12Within the typical range ($8–$25 nationally)	$3 below the national median$2 above the North Carolina median	per item	—	Source
Account ServicesVerified
Drilling	$200Above the typical range ($30–$70 nationally)	$155 above the national median$147.50 above the North Carolina median	—	—	Source
Safe Deposit Box 10 X 10	$120
Gift & Prepaid CardsVerified
Gift Card	$3Within the typical range ($3–$4.95 nationally)	$0.50 below the national median$0.25 below the North Carolina median	per item	—	Source
Other FeesVerified
Statement Copy	$5Within the typical range ($2–$5 nationally)	$2 above the national medianAt the North Carolina median	per item	—	Source

Against Richmond Fed district banks

Its state has too few comparable institutions, so these are its Fed district peers.

Overdraft
$20.00
Of 52 others that publish it, 7 lower, 3 the same and 42 higher.

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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

$20

Overdraft fee: $20

33% below the national median overdraft fee

27 verified fees collected

Headline fees published

10 of 15

Published fees

Under review

Assets

$1.3B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$1.3B

Total deposits

$973.7M

Service charge income

$146K

Fee income ratio

1.7%

Return on assets

0.25%

Branches

Service charge income by quarter

Q2 2026$146K

Q1 2026$132K

Q4 2025$122K

Q3 2025$118K

Financial profile · Pro

Performance from regulator filings

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Based on 65,676 published fee entries from 3,608 institutions

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