Citizens Bank & Trust

Headquarters: Guntersville, Alabama
Charter: Bank
Assets: $1.2B
Fed district: Atlanta

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

Source: its fee schedule, read Oct 18, 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
Unlimited Checking
Citizens Bank & Trust: $7.95
Citizens Bank & Trust: $7.95
U.S. median: no median
Overdraft (OD)
Citizens Bank & Trust: $30
Citizens Bank & Trust: $30
U.S. median: no median
NSF / Returned Item
Citizens Bank & Trust: $30
Citizens Bank & Trust: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta 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).
Alabama: Banks and credit unions headquartered in Alabama that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 Citizens Bank & Trust’s own schedules, with a source for each figure.

Account Maintenance

Unlimited Checking Monthly maintenance fee$7.95
per month
Dormant Account Fee- Checking$5
Dormant Account Fee- Savings$5
Escheat Fee$50
Account Research$50
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Fee or Non-Sufficient Funds (NSF) Fee$30
per item
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.
Overdraft Protection Transfer Fee$3
per item

ATM & Card

Foreign ATM Fee$1
per transaction
Foreign ATM Inquiry or Transfer Fee$1
per item
Debit Card – Replacement Fee$5
Debit Card – Expedited Delivery$25
per item

Wire Transfers

Wire Transfer – Domestic - Outgoing$25
per item
Wire Transfer – Domestic - Incoming$15
per item
Wire Transfer – International - Outgoing$50
per item
Wire Transfer – International - Incoming$30
per item

Check Services

Official Check$5
per item
Stop Payment Fee$25
per item
Foreign Check – Collection Fee$35
per item
On-line Check Image Retrieval/Proof of Payment$10

Digital & Electronic

Same Day Bill Pay (by ACH)$16.95
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Deposit Item Charge Back$5
per item

Account Services

Safe Deposit Box 10X10$85
per year
Safe Deposit Box 3X10$45
per year
Safe Deposit Box 3X5$35
per year
Safe Deposit Box 5X10$60
per year
Safe Deposit Box Drill Fee$175
Not compared: Box drilling or key fee
Garnishment or Levy$50
per item

Other Fees

Photocopy$3
per item
Statement Copies (per statement after 1)$5

Fee	Amount	Basis	Note
Account Maintenance
Unlimited Checking Monthly maintenance fee	$7.95	per month	None
Dormant Account Fee- Checking	$5	Not stated	None
Dormant Account Fee- Savings	$5	Not stated	None
Escheat Fee	$50	Not stated	None
Account Research	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Fee or Non-Sufficient Funds (NSF) Fee	$30	per item	None
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.
Overdraft Protection Transfer Fee	$3	per item	None
ATM & Card
Foreign ATM Fee	$1	per transaction	None
Foreign ATM Inquiry or Transfer Fee	$1	per item	None
Debit Card – Replacement Fee	$5	Not stated	None
Debit Card – Expedited Delivery	$25	per item	None
Wire Transfers
Wire Transfer – Domestic - Outgoing	$25	per item	None
Wire Transfer – Domestic - Incoming	$15	per item	None
Wire Transfer – International - Outgoing	$50	per item	None
Wire Transfer – International - Incoming	$30	per item	None
Check Services
Official Check	$5	per item	None
Stop Payment Fee	$25	per item	None
Foreign Check – Collection Fee	$35	per item	None
On-line Check Image Retrieval/Proof of Payment	$10	Not stated	None
Digital & Electronic
Same Day Bill Pay (by ACH)	$16.95Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Deposit Item Charge Back	$5	per item	None
Account Services
Safe Deposit Box 10X10	$85	per year	None
Safe Deposit Box 3X10	$45	per year	None
Safe Deposit Box 3X5	$35	per year	None
Safe Deposit Box 5X10	$60	per year	None
Safe Deposit Box Drill Fee	$175Not compared: Box drilling or key fee	Not stated	None
Garnishment or Levy	$50	per item	None
Other Fees
Photocopy	$3	per item	None
Statement Copies (per statement after 1)	$5	Not stated	None

Correct a fee source

Oct 18, 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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