Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community bank, $300M to $1B

Peoples Bank & Trust

Pana, IllinoisBankChicago Fed districtFees collected Apr 5, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Research fee or Reconciliation charge (per hour)$35Above the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=account_research; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Account Research fee or Reconciliation charge (per hour): $35.00" · Source

Monthly Maintenance$45

$38.87 above the national median

per month · Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=monthly_maintenance; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Monthly Maintenance: $45.00" · Source

Monthly maintenance for first account$25

$18.87 above the national median

Monthly service charge for each additional account$2

$4.13 below the national median

Overdraft & NSFVerified

result in an overdraft balance greater than negative$12Below the typical range ($20–$30 nationally)
$16 below the national median
per day · Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=overdraft; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="result in an overdraft balance greater than negative $12.00. These limits do not apply to daily Overdraft Daily Fees." · Source

ATM & CardVerified

Replace Debit Card$13.58Above the typical range ($5–$10 nationally)
$3.58 above the national median
Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=card_replacement; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Replace Debit Card: $13.58" · Source
Rush order new or replace Debit Card$69.98Above the typical range ($30–$50 nationally)
$29.98 above the national median
Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=rush_card; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Rush order new or replace Debit Card: $69.98" · Source
Surcharge at our ATM (non PBT/Alpha Link Member)$4Above the typical range ($1–$3 nationally)
$2.50 above the national median
per transaction · Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=atm_non_network; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Surcharge at our ATM (non PBT/Alpha Link Member): $4.00 per transaction" · Source

Wire TransfersVerified

Incoming wire transfer (PBT account holder)$8.89Within the typical range ($7.75–$15 nationally)
$1.11 below the national median
Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=wire_domestic_incoming; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Incoming wire transfer (PBT account holder): $8.89" · Source
Outgoing wire transfer (PBT account holder)$26.67Above the typical range ($20–$25 nationally)
$6.67 above the national median
Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=wire_domestic_outgoing; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Outgoing wire transfer (PBT account holder): $26.67" · Source

Check ServicesVerified

Money Order, Cashier Check, or Loan Disbursement (non PBT account holder)$13.68Above the typical range ($2–$3.50 nationally)
$11.68 above the national median
Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=money_order; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Money Order, Cashier Check, or Loan Disbursement (non PBT account holder): $13.68" · Source
Money Order, Cashier Check, or Loan Disbursement (PBT account holder)$7.52Above the typical range ($2–$3.50 nationally)
$5.52 above the national median
Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=money_order; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Money Order, Cashier Check, or Loan Disbursement (PBT account holder): $7.52" · Source
Stop Payment$34.22Above the typical range ($20–$30 nationally)
$7.22 above the national median
Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=stop_payment; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Stop Payment: $34.22 per stop payment" · Source

Digital & ElectronicVerified

Commercial Remote Deposit Anywhere$1Within the typical range ($0–$1 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=mobile_deposit; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Commercial Remote Deposit Anywhere: $1.00 per Business Mobile Deposit Check Item" · Source
Online Bill Pay Inactivity Fee (after 90 days)$6.92Within the typical range ($0–$12.50 nationally)
$1.92 above the national median
Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=bill_pay; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Online Bill Pay Inactivity Fee (after 90 days): $6.92" · Source

Cash & DepositVerified

Night deposit bag$20Within the typical range ($5–$20 nationally)
$6.25 above the national median
Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=night_deposit; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Night deposit bag: $20.00" · Source
Night deposit key$5Within the typical range ($5–$20 nationally)
$8.75 below the national median
Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=night_deposit; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Night deposit key: $5.00" · Source

Account ServicesVerified

Garnishment or Levy$250Above the typical range ($25–$75 nationally)
$200 above the national median
Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=garnishment_levy; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Garnishment or Levy: $250.00" · Source
Late Safe Deposit Box annual fee$15Below the typical range ($25–$80 nationally)
$25 below the national median
per year · Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=safe_deposit_box; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Late Safe Deposit Box annual fee: $15.00" · Source
Lost Safe Deposit Box key$30Within the typical range ($25–$80 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=safe_deposit_box; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Lost Safe Deposit Box key: $30.00" · Source
Notary Service (non PBT account holder)$1Within the typical range ($0–$5 nationally)
$1.50 below the national median
Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=notary_fee; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Notary Service (non PBT account holder): $1.00" · Source
Safe Deposit Box discount$10Below the typical range ($25–$80 nationally)
$30 below the national median
Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=safe_deposit_box; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Safe Deposit Box discount: $10 discount for payment by automatic debit from a Peoples Club Account, or $5.00 discount" · Source
Safe Deposit drilling$50Within the typical range ($25–$80 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=safe_deposit_box; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Safe Deposit drilling: $50.00 (plus Locksmith charges)" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research fee or Reconciliation charge (per hour)	$35Above the typical range ($15–$25 nationally)	$15 above the national median	—	Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=account_research; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Account Research fee or Reconciliation charge (per hour): $35.00"	Source
Monthly Maintenance	$45Above the typical range ($4–$12.63 nationally)	$38.87 above the national median	per month	Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=monthly_maintenance; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Monthly Maintenance: $45.00"	Source
Monthly maintenance for first account	$25Above the typical range ($4–$12.63 nationally)	$18.87 above the national median	per month	Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=monthly_maintenance; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Monthly maintenance for first account: $25.00"	Source
Monthly service charge for each additional account	$2Below the typical range ($4–$12.63 nationally)	$4.13 below the national median	per month	Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=monthly_maintenance; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Monthly service charge for each additional account: $2.00"	Source
Overdraft & NSFVerified
result in an overdraft balance greater than negative	$12Below the typical range ($20–$30 nationally)	$16 below the national median	per day	Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=overdraft; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="result in an overdraft balance greater than negative $12.00. These limits do not apply to daily Overdraft Daily Fees."	Source
ATM & CardVerified
Replace Debit Card	$13.58Above the typical range ($5–$10 nationally)	$3.58 above the national median	—	Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=card_replacement; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Replace Debit Card: $13.58"	Source
Rush order new or replace Debit Card
Wire TransfersVerified
Incoming wire transfer (PBT account holder)	$8.89Within the typical range ($7.75–$15 nationally)	$1.11 below the national median	—	Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=wire_domestic_incoming; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Incoming wire transfer (PBT account holder): $8.89"	Source

Check ServicesVerified
Money Order, Cashier Check, or Loan Disbursement (non PBT account holder)	$13.68Above the typical range ($2–$3.50 nationally)	$11.68 above the national median	—	Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=money_order; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Money Order, Cashier Check, or Loan Disbursement (non PBT account holder): $13.68"	Source

Digital & ElectronicVerified
Commercial Remote Deposit Anywhere	$1Within the typical range ($0–$1 nationally)	$1 above the national median	—	Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=mobile_deposit; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Commercial Remote Deposit Anywhere: $1.00 per Business Mobile Deposit Check Item"	Source
Online Bill Pay Inactivity Fee (after 90 days)
Cash & DepositVerified
Night deposit bag	$20Within the typical range ($5–$20 nationally)	$6.25 above the national median	—	Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=night_deposit; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Night deposit bag: $20.00"	Source
Night deposit key
Account ServicesVerified
Garnishment or Levy	$250Above the typical range ($25–$75 nationally)	$200 above the national median	—	Knox deterministic extraction from Rosetta artifact #3533. canonical_hint=garnishment_levy; text_hash=fa379d6b83257a9b81a6e51be032ac02cab10b43c798168e98a34fff395a6568; excerpt="Garnishment or Levy: $250.00"	Source
Late Safe Deposit Box annual fee

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$12

Overdraft fee: $12

Overdraft fee cap or limit policy detected — fewer surprise charges

57% below the national median overdraft fee

Verified fees

Under review

Assets

$656.6M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$656.6M

Total deposits

$522.2M

Service charge income

$321K

Fee income ratio

3.6%

Return on assets

2.39%

Branches

Service charge income by quarter

Q2 2026$321K

Q1 2026$289K

Q4 2025$289K

Q3 2025$309K

Financial profile · Pro

Performance from regulator filings

Outgoing wire transfer (PBT account holder)

Money Order, Cashier Check, or Loan Disbursement (PBT account holder)

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 20,792 verified fees from 2,117 institutions

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