United Valley Bank

Headquarters: Cavalier, North Dakota
Charter: Bank
Assets: $751.6M
Fed district: Minneapolis

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

Source: its fee schedule, read Nov 2, 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 $7.50, the middle of its prices. Leaves out 1 CD/IRA fee filed under this fee.
United Valley Bank: $3 to $10
United Valley Bank: $3 to $10
U.S. median: no median
Overdraft (OD)
United Valley Bank: $30
United Valley Bank: $30
U.S. median: no median
NSF / Returned Item
United Valley Bank: $30
United Valley Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for North Dakota, the Minneapolis 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).
North Dakota: Banks and credit unions headquartered in North Dakota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 United Valley Bank’s own schedules, with a source for each figure.

Account Maintenance

Maintenance fee per month (audience not stated, treated as personal)$2
Not compared: CD/IRA fee
per month
Monthly Maintenance$10
per month
Monthly Maintenance$5
per month
Monthly Maintenance$10
per month
Service charge$3
per month
Service charge (balance falls below $25) (audience not stated, treated as personal)$3
per month
Account Closure$20
Dormant Account Fee$5
per month
Account Balancing and Research$20
Not compared: Charged per hour; comparison unavailable
per hour
Undeliverable Mail$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Fee$30
per item
Returned Item Fee$30
per item
Continuous Overdraft$10

ATM & Card

Replace ATM/debit card$15
per item

Check Services

Cashier’s Checks$5
per item
Money Orders$3
per item
Stop Payment$30
per item

Digital & Electronic

Online Bill PayNo charge

Cash & Deposit

Deposited checks returned unpaid$5
per item

Account Services

10.25” x 11″ – Mahnomen-Twin Valley$60
per year
10.25” x 3″ – Mahnomen-Twin Valley$40
per year
2″ x 5″ – Mahnomen$20
per year
5″ x 5″ – Mahnomen$30
per year
Box drilling$25
Not compared: One-time charge, not annual
one time
Lost key replacement$15
Not compared: Box drilling or key fee
Garnishments/Levies$30
per item

Retirement & IRA

IRA Closing/Transfer Fee$35
per item

Fee	Amount	Basis	Note
Account Maintenance
Maintenance fee per month (audience not stated, treated as personal)	$2Not compared: CD/IRA fee	per month	None
Monthly Maintenance	$10	per month	None
Monthly Maintenance	$5	per month	None
Monthly Maintenance	$10	per month	None
Service charge	$3	per month	None
Service charge (balance falls below $25) (audience not stated, treated as personal)	$3	per month	None
Account Closure	$20	Not stated	None
Dormant Account Fee	$5	per month	None
Account Balancing and Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Undeliverable Mail	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft Fee	$30	per item	None
Returned Item Fee	$30	per item	None
Continuous Overdraft	$10	Not stated	None
ATM & Card
Replace ATM/debit card	$15	per item	None
Check Services
Cashier’s Checks	$5	per item	None
Money Orders	$3	per item	None
Stop Payment	$30	per item	None
Digital & Electronic
Online Bill Pay	No charge	Not stated	None
Cash & Deposit
Deposited checks returned unpaid	$5	per item	None
Account Services
10.25” x 11″ – Mahnomen-Twin Valley	$60	per year	None
10.25” x 3″ – Mahnomen-Twin Valley	$40	per year	None
2″ x 5″ – Mahnomen	$20	per year	None
5″ x 5″ – Mahnomen	$30	per year	None
Box drilling	$25Not compared: One-time charge, not annual	one time	None
Lost key replacement	$15Not compared: Box drilling or key fee	Not stated	None
Garnishments/Levies	$30	per item	None
Retirement & IRA
IRA Closing/Transfer Fee	$35	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 2, 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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