Sauk Valley Bank & Trust Company

Headquarters: Sterling, Illinois
Charter: Bank
Assets: $790.8M
Fed district: Chicago

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

Source: its fee schedule, read Oct 31, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Sauk Valley Bank & Trust Company: $27
Sauk Valley Bank & Trust Company: $27
U.S. median: no median
NSF / Returned Item
Sauk Valley Bank & Trust Company: $27
Sauk Valley Bank & Trust Company: $27
U.S. median: no median
Wire Transfer (Domestic Out)
Sauk Valley Bank & Trust Company: $10
Sauk Valley Bank & Trust Company: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Illinois, the Chicago 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).
Illinois: Banks and credit unions headquartered in Illinois that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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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Among its peers

Sauk Valley Bank & Trust Company · $791M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 21 states.

Banks only
$770M to $813M in assets
Headquartered in 21 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Sauk Valley Bank & Trust Company(this institution)	Sterling, IL	$791M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Bridger, National Association	Bridger, MT	$803M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
CFSBANK	Charleroi, PA	$773M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
City State Bank	Norwalk, IA	$788M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
CNB St Louis Bank	Maplewood, MO	$813M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Bank	Clewiston, FL	$811M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Century Bank	Tazewell, TN	$810M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Savings Bank of Hegewisch	Chicago, IL	$787M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
First Western Bank	Booneville, AR	$793M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
FNB Bank, Inc.	Mayfield, KY	$770M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Franklin Savings Bank	Farmington, ME	$787M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Harford Bank	Aberdeen, MD	$777M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Home State Bank, National Association	Crystal Lake, IL	$776M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Industrial Bank	Washington, DC	$774M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Itasca Bank & Trust Co.	Itasca, IL	$771M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
MidSouth Bank	Dothan, AL	$771M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Millennium Bank	Ooltewah, TN	$781M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mission Valley Bank	Sun Valley, CA	$782M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
People's Bank of Commerce	Medford, OR	$777M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Platte Valley Bank	Torrington, WY	$809M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
PromiseOne Bank	Duluth, GA	$812M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Quontic Bank	Astoria, NY	$787M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Savers Co-operative Bank	Southbridge, MA	$783M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Bank of Canton	Canton, MA	$783M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Peoples Bank, Biloxi, Mississippi	Biloxi, MS	$771M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Western State Bank	Garden City, KS	$802M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	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.

Fee type

Peer pricing snapshot

Sauk Valley Bank & Trust Company does not publish a monthly maintenance fee in the index.

The peer median is $7.50 among 17 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.

Monthly maintenance fee in dollars, one mark per institution

Sauk Valley Bank & Trust Company does not publish a monthly maintenance fee, so it is not on this chart.

Sauk Valley Bank & Trust…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Sauk Valley Bank & Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Close Account Fee (within 6 Months of Opening)$10
Dormant Account Monthly Fee – Checking-12 Months/Savings–24 Months Inactivity$2
per month
Inactivity$2

Overdraft & NSF

Overdraft Per Item Fee$27
per item
Insufficient Funds Per Item Fee$27
per item

ATM & Card

Debit Card/ATM Card Replacement$12

Wire Transfers

Wire Transfers: Outgoing$10
Wire Transfers: Incoming$10
Wire Transfer – SVB Customers Only: Foreign Outgoing$60

Check Services

Cashier’s Checks/Money Orders$3
Stop Payment$7.50
Stop Payment Fee$25

Digital & Electronic

Sweep Fee Deposit$25
Not compared: Annual charge, not per item
per year
Bill PayNo charge

Account Services

Notary – Non Customer Fee$5
10 x 10 Annual Fee$60
per year
3 x 10 Annual Fee$30
per year
3 x 5 (Sterling West Only) Annual Fee$15
per year
5 x 10 Annual Fee$40
per year
5 x 5 Annual Fee$20
per year
Drill Box Fee$125
Not compared: Box drilling or key fee
Late Fee$5
Not compared: Box drilling or key fee
Replacement Key$20
Not compared: Box drilling or key fee
Levy/Garnishment/Legal$20

Other Fees

Overnight Delivery Fee$14.95
Photo Copy – Per Page Fee$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Close Account Fee (within 6 Months of Opening)	$10	Not stated	None
Dormant Account Monthly Fee – Checking-12 Months/Savings–24 Months Inactivity	$2	per month	None
Inactivity	$2	Not stated	None
Overdraft & NSF
Overdraft Per Item Fee	$27	per item	None
Insufficient Funds Per Item Fee	$27	per item	None
ATM & Card
Debit Card/ATM Card Replacement	$12	Not stated	None
Wire Transfers
Wire Transfers: Outgoing	$10	Not stated	None
Wire Transfers: Incoming	$10	Not stated	None
Wire Transfer – SVB Customers Only: Foreign Outgoing	$60	Not stated	None
Check Services
Cashier’s Checks/Money Orders	$3	Not stated	None
Stop Payment	$7.50	Not stated	None
Stop Payment Fee	$25	Not stated	None
Digital & Electronic
Sweep Fee Deposit	$25Not compared: Annual charge, not per item	per year	None
Bill Pay	No charge	Not stated	None
Account Services
Notary – Non Customer Fee	$5	Not stated	None
10 x 10 Annual Fee	$60	per year	None
3 x 10 Annual Fee	$30	per year	None
3 x 5 (Sterling West Only) Annual Fee	$15	per year	None
5 x 10 Annual Fee	$40	per year	None
5 x 5 Annual Fee	$20	per year	None
Drill Box Fee	$125Not compared: Box drilling or key fee	Not stated	None
Late Fee	$5Not compared: Box drilling or key fee	Not stated	None
Replacement Key	$20Not compared: Box drilling or key fee	Not stated	None
Levy/Garnishment/Legal	$20	Not stated	None
Other Fees
Overnight Delivery Fee	$14.95	Not stated	None
Photo Copy – Per Page Fee	$0.25	per item	None

Correct a fee source

Oct 31, 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.

Fee change alerts

Get an email when Sauk Valley Bank & Trust Company's foreign transaction changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Overdraft (OD)
Sauk Valley Bank & Trust Company: $27
Sauk Valley Bank & Trust Company: $27
U.S. median: no median
NSF / Returned Item
Sauk Valley Bank & Trust Company: $27
Sauk Valley Bank & Trust Company: $27
U.S. median: no median
Wire Transfer (Domestic Out)
Sauk Valley Bank & Trust Company: $10
Sauk Valley Bank & Trust Company: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Illinois, the Chicago 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).
Illinois: Banks and credit unions headquartered in Illinois that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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.

Among its peers

Sauk Valley Bank & Trust Company · $791M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 21 states.

Banks only
$770M to $813M in assets
Headquartered in 21 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Sauk Valley Bank & Trust Company(this institution)	Sterling, IL	$791M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Bridger, National Association	Bridger, MT	$803M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
CFSBANK	Charleroi, PA	$773M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
City State Bank	Norwalk, IA	$788M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
CNB St Louis Bank	Maplewood, MO	$813M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Bank	Clewiston, FL	$811M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Century Bank	Tazewell, TN	$810M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Savings Bank of Hegewisch	Chicago, IL	$787M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
First Western Bank	Booneville, AR	$793M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
FNB Bank, Inc.	Mayfield, KY	$770M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Franklin Savings Bank	Farmington, ME	$787M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Harford Bank	Aberdeen, MD	$777M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Home State Bank, National Association	Crystal Lake, IL	$776M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Industrial Bank	Washington, DC	$774M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Itasca Bank & Trust Co.	Itasca, IL	$771M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
MidSouth Bank	Dothan, AL	$771M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Millennium Bank	Ooltewah, TN	$781M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mission Valley Bank	Sun Valley, CA	$782M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
People's Bank of Commerce	Medford, OR	$777M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Platte Valley Bank	Torrington, WY	$809M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
PromiseOne Bank	Duluth, GA	$812M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Quontic Bank	Astoria, NY	$787M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Savers Co-operative Bank	Southbridge, MA	$783M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Bank of Canton	Canton, MA	$783M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Peoples Bank, Biloxi, Mississippi	Biloxi, MS	$771M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Western State Bank	Garden City, KS	$802M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	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.

Fee type

Peer pricing snapshot

Sauk Valley Bank & Trust Company does not publish a monthly maintenance fee in the index.

The peer median is $7.50 among 17 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.

Monthly maintenance fee in dollars, one mark per institution

Sauk Valley Bank & Trust Company does not publish a monthly maintenance fee, so it is not on this chart.

Sauk Valley Bank & Trust…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Sauk Valley Bank & Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Close Account Fee (within 6 Months of Opening)$10
Dormant Account Monthly Fee – Checking-12 Months/Savings–24 Months Inactivity$2
per month
Inactivity$2

Overdraft & NSF

Overdraft Per Item Fee$27
per item
Insufficient Funds Per Item Fee$27
per item

ATM & Card

Debit Card/ATM Card Replacement$12

Wire Transfers

Wire Transfers: Outgoing$10
Wire Transfers: Incoming$10
Wire Transfer – SVB Customers Only: Foreign Outgoing$60

Check Services

Cashier’s Checks/Money Orders$3
Stop Payment$7.50
Stop Payment Fee$25

Digital & Electronic

Sweep Fee Deposit$25
Not compared: Annual charge, not per item
per year
Bill PayNo charge

Account Services

Notary – Non Customer Fee$5
10 x 10 Annual Fee$60
per year
3 x 10 Annual Fee$30
per year
3 x 5 (Sterling West Only) Annual Fee$15
per year
5 x 10 Annual Fee$40
per year
5 x 5 Annual Fee$20
per year
Drill Box Fee$125
Not compared: Box drilling or key fee
Late Fee$5
Not compared: Box drilling or key fee
Replacement Key$20
Not compared: Box drilling or key fee
Levy/Garnishment/Legal$20

Other Fees

Overnight Delivery Fee$14.95
Photo Copy – Per Page Fee$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Close Account Fee (within 6 Months of Opening)	$10	Not stated	None
Dormant Account Monthly Fee – Checking-12 Months/Savings–24 Months Inactivity	$2	per month	None
Inactivity	$2	Not stated	None
Overdraft & NSF
Overdraft Per Item Fee	$27	per item	None
Insufficient Funds Per Item Fee	$27	per item	None
ATM & Card
Debit Card/ATM Card Replacement	$12	Not stated	None
Wire Transfers
Wire Transfers: Outgoing	$10	Not stated	None
Wire Transfers: Incoming	$10	Not stated	None
Wire Transfer – SVB Customers Only: Foreign Outgoing	$60	Not stated	None
Check Services
Cashier’s Checks/Money Orders	$3	Not stated	None
Stop Payment	$7.50	Not stated	None
Stop Payment Fee	$25	Not stated	None
Digital & Electronic
Sweep Fee Deposit	$25Not compared: Annual charge, not per item	per year	None
Bill Pay	No charge	Not stated	None
Account Services
Notary – Non Customer Fee	$5	Not stated	None
10 x 10 Annual Fee	$60	per year	None
3 x 10 Annual Fee	$30	per year	None
3 x 5 (Sterling West Only) Annual Fee	$15	per year	None
5 x 10 Annual Fee	$40	per year	None
5 x 5 Annual Fee	$20	per year	None
Drill Box Fee	$125Not compared: Box drilling or key fee	Not stated	None
Late Fee	$5Not compared: Box drilling or key fee	Not stated	None
Replacement Key	$20Not compared: Box drilling or key fee	Not stated	None
Levy/Garnishment/Legal	$20	Not stated	None
Other Fees
Overnight Delivery Fee	$14.95	Not stated	None
Photo Copy – Per Page Fee	$0.25	per item	None

Correct a fee source

Oct 31, 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.