Union State Bank

Headquarters: Arkansas City, Kansas
Charter: Bank
Assets: $719.1M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 24, 2026.

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Fees against the market

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

Monthly Maintenance
Union State Bank: $20
Union State Bank: $20
U.S. median: no median
Overdraft (OD)
Union State Bank: $29
Union State Bank: $29
U.S. median: no median
NSF / Returned Item
Union State Bank: $29
Union State Bank: $29
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 24, 2026View sources

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

Account Maintenance

Monthly Maintenance Fee$20
per month
Paper Statement$3
per month

Overdraft & NSF

Overdraft Item Fee$29
per item
Returned Item Fee$29
per item
Continuous OD Fee$1.50

ATM & Card

Non-USB ATM Withdrawal Fee$1.50
per item

Wire Transfers

Wire Transfer Fee (Foreign)$50
per item

Check Services

Cashier’s Checks$5
per item
Money Orders$3
per item
Stop Payment Fee$29
per item
Stop Payment Fee$15
Temporary Checks$2
Canadian Check Processing Fee$25
per item
Check Copy$2.50
per item

Digital & Electronic

Bill Pay (audience not stated, treated as personal)No charge

Cash & Deposit

Charge Back Item Fee$3
per item

Account Services

Safe Deposit Box 10x10$85
per year
Safe Deposit Box 2x5$10
per year
Safe Deposit Box 3x10$35
per year
Safe Deposit Box 3x5$15
per year
Safe Deposit Box 4x5$20
per year
Safe Deposit Box 5x10$45
per year
Safe Deposit Box 5x5$25
per year
Safe Deposit Box 7x10$65
per year
Garnishments/Levies$25
per item

Other Fees

Registered mail: Photocopies$0.25
per item
Statement Copy$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Fee	$20	per month	None
Paper Statement	$3	per month	None
Overdraft & NSF
Overdraft Item Fee	$29	per item	None
Returned Item Fee	$29	per item	None
Continuous OD Fee	$1.50	Not stated	None
ATM & Card
Non-USB ATM Withdrawal Fee	$1.50	per item	None
Wire Transfers
Wire Transfer Fee (Foreign)	$50	per item	None
Check Services
Cashier’s Checks	$5	per item	None
Money Orders	$3	per item	None
Stop Payment Fee	$29	per item	None
Stop Payment Fee	$15	Not stated	None
Temporary Checks	$2	Not stated	None
Canadian Check Processing Fee	$25	per item	None
Check Copy	$2.50	per item	None
Digital & Electronic
Bill Pay (audience not stated, treated as personal)	No charge	Not stated	None
Cash & Deposit
Charge Back Item Fee	$3	per item	None
Account Services
Safe Deposit Box 10x10	$85	per year	None
Safe Deposit Box 2x5	$10	per year	None
Safe Deposit Box 3x10	$35	per year	None
Safe Deposit Box 3x5	$15	per year	None
Safe Deposit Box 4x5	$20	per year	None
Safe Deposit Box 5x10	$45	per year	None
Safe Deposit Box 5x5	$25	per year	None
Safe Deposit Box 7x10	$65	per year	None
Garnishments/Levies	$25	per item	None
Other Fees
Registered mail: Photocopies	$0.25	per item	None
Statement Copy	$5	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

Oct 24, 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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