American State Bank

Headquarters: Arp, Texas
Charter: Bank
Assets: $637.8M
Fed district: Dallas

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

Source: its fee schedule, read Nov 4, 2026.

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Fees against the market

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

Overdraft (OD)
American State Bank: $35
American State Bank: $35
U.S. median: no median
NSF / Returned Item
American State Bank: $35
American State Bank: $35
U.S. median: no median
Wire Transfer (Domestic Out)
American State Bank: $25
American State Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

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

Account Maintenance

Dormant Account Fee$10
Account Research (per hour)$30
Not compared: Charged per hour; comparison unavailable
per hour
Withdrawals: An excess debit fee$10
per item

Overdraft & NSF

Non-Sufficient Funds (NSF)/ Overdraft (OD) Items (each)$35
per item
Non-Sufficient Funds (NSF)/ Overdraft (OD) Items (each)$35
per item
Sustained OD Fee$15
Overdraft Protection Sweep Fee (per day maximum)$7.50
Not compared: Daily charge, not per item
per day

ATM & Card

ATM/Debit Replacement Card$5

Wire Transfers

Wire Transfers (Outgoing Domestic)$25
Wire Transfers (Incoming)$10
Wire Transfers (Outgoing International)$50

Check Services

Cashier's Check Fee$5
Stop Payments (All Items)$30
Temporary Checks$0.50
per item
Temporary Checks: (per check)$0.50
per item
Check Copies (per item)$2
per item

Account Services

Garnishment or Levy$100

Other Fees

Research Copies (per page)$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee	$10	Not stated	None
Account Research (per hour)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Withdrawals: An excess debit fee	$10	per item	None
Overdraft & NSF
Non-Sufficient Funds (NSF)/ Overdraft (OD) Items (each)	$35	per item	None
Non-Sufficient Funds (NSF)/ Overdraft (OD) Items (each)	$35	per item	None
Sustained OD Fee	$15	Not stated	None
Overdraft Protection Sweep Fee (per day maximum)	$7.50Not compared: Daily charge, not per item	per day	None
ATM & Card
ATM/Debit Replacement Card	$5	Not stated	None
Wire Transfers
Wire Transfers (Outgoing Domestic)	$25	Not stated	None
Wire Transfers (Incoming)	$10	Not stated	None
Wire Transfers (Outgoing International)	$50	Not stated	None
Check Services
Cashier's Check Fee	$5	Not stated	None
Stop Payments (All Items)	$30	Not stated	None
Temporary Checks	$0.50	per item	None
Temporary Checks: (per check)	$0.50	per item	None
Check Copies (per item)	$2	per item	None
Account Services
Garnishment or Levy	$100	Not stated	None
Other Fees
Research Copies (per page)	$5	per item	None

Correct a fee source

Nov 4, 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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