VerifiedCommunity bank, $1B to $10B

Citizens Bank & Trust

Guntersville, AlabamaBankAtlanta district

Fee schedule collected Mar 11, 2026 · Financials as of Q1 2026

Website Published fee schedule

Verified fees

Under review

Assets

$1.2B

Fee benchmark score

Not scored

Financials as of

Q1 2026

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 fee: $30

Overdraft fee is aligned with the national median

Total fees: 5 — leaner than most institutions

Fee Schedule

Published fees

Verified fees power benchmarks; fees under review do not.

Overdraft & NSFVerified

Overdraft Fee or Non-Sufficient Funds (NSF) Fee$30
per item · Per item paid. Overdrafts may be created by check, debit card, in person withdrawal, ATM withdrawal, re-presentment of item or other electronic means. May be charged more than once for re-presentment of same item. · Source

Fee	Amount	Basis	Note	Source
Overdraft & NSFVerified
Overdraft Fee or Non-Sufficient Funds (NSF) Fee	$30	per item	Per item paid. Overdrafts may be created by check, debit card, in person withdrawal, ATM withdrawal, re-presentment of item or other electronic means. May be charged more than once for re-presentment of same item.	Source
ATM & CardVerified
Foreign ATM Inquiry or Transfer Fee	$1	per item	—	Source
Foreign Currency Exchange Process Fee OVER $500 US Equivalent	$2	per item	Percentage of total amount of currency exchange. Foreign Currency Exchange shipping charges may apply; shipping charges will be based on current shipping rates.	Source
Cash & DepositVerified
Collections Item Fee (Deposit Item)	$15	per item	Per item	Source
Night Deposit Disposable Bags	—	per item	By Customer Request - Cost will vary	Source

How the headline fees compare

Published fees

Size and fee revenue