Hickory Point Bank and Trust

Headquarters: Decatur, Illinois
Charter: Bank
Assets: $717.5M
Fed district: Chicago

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

Source: its fee schedule, read Oct 18, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $6, the middle of its prices
Hickory Point Bank and Trust: $5 to $7
Hickory Point Bank and Trust: $5 to $7
U.S. median: no median
Early Account Closure
Compared at $47.50, the middle of its prices
Hickory Point Bank and Trust: $20 to $75
Hickory Point Bank and Trust: $20 to $75
U.S. median: no median
Excess Withdrawals
Hickory Point Bank and Trust: $2
Hickory Point Bank and Trust: $2
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 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 Hickory Point Bank and Trust’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$7
per month
Service charge fee$5
per month · avoid imposition of fees - A service charge fee of $5.00 will be assessed every month if the balance in the account falls below
Early closing fee$20
Early closing fee$75
Excess debit fee$2
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$7	per month	None
Service charge fee	$5	per month	avoid imposition of fees - A service charge fee of $5.00 will be assessed every month if the balance in the account falls below
Early closing fee	$20	Not stated	None
Early closing fee	$75	Not stated	None
Excess debit fee	$2	per item	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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