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.

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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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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.

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