Henderson State Bank

Headquarters: Henderson, Nebraska
Charter: Bank
Assets: $678.5M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 16, 2026.

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Fees against the market

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

Overdraft (OD)
Henderson State Bank: $30
Henderson State Bank: $30
U.S. median: no median
NSF / Returned Item
Henderson State Bank: $30
Henderson State Bank: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Henderson State Bank: $15
Henderson State Bank: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

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

Account Maintenance

Dormant Account Fee: Checking and NOW Accounts - after 180 days of inactivity; Money Market/Savings Accounts - after 365$10
Research Fee ($35.00 Minimum)$35
Not compared: Charged per hour; comparison unavailable
per hour
Excess Transaction Fee$1
per item

Overdraft & NSF

Allowable Overdraft Fee for Debit Card overdrafts where Card Holders have opted in to this arrangement$30
Insufficient Funds Charge$30
per item
Returned Item Charge$30
per item

ATM & Card

Replacement Visa Debit Card Fee$8
Cross Border Fee0.9%of the transaction
Currency Conversion Fee0.2%of the transaction
International transactions1%of the transaction

Wire Transfers

Outgoing Domestic Wire Fee$15
Incoming Domestic Wire Fee$8
Outgoing International Wire Fee$35
Incoming International Wire Fee$45

Check Services

Cashiers Check Fee$5
Personal Money Order Fee$5
Stop Payment Charge$25
per item
Non-Account Holder Check Cashing Fee2%
Foreign Check Processing Fee$3.50

Digital & Electronic

Outgoing Same Day ACH Fee$15
Written statement of unauthorized debit (ACH return)$25
Online Banking and Bill PayNo charge

Cash & Deposit

Loose Coin Counting Fee (Non-Customer)5%

Account Services

Notary Service Fee (Non-Customer)$5
Safe Deposit Box Key Replacement$10
Not compared: Box drilling or key fee
Garnishment/Levy Fee$35

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee: Checking and NOW Accounts - after 180 days of inactivity; Money Market/Savings Accounts - after 365	$10	Not stated	None
Research Fee ($35.00 Minimum)	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Excess Transaction Fee	$1	per item	None
Overdraft & NSF
Allowable Overdraft Fee for Debit Card overdrafts where Card Holders have opted in to this arrangement	$30	Not stated	None
Insufficient Funds Charge	$30	per item	None
Returned Item Charge	$30	per item	None
ATM & Card
Replacement Visa Debit Card Fee	$8	Not stated	None
Cross Border Fee	0.9%of the transaction	Not stated	None
Currency Conversion Fee	0.2%of the transaction	Not stated	None
International transactions	1%of the transaction	Not stated	None
Wire Transfers
Outgoing Domestic Wire Fee	$15	Not stated	None
Incoming Domestic Wire Fee	$8	Not stated	None
Outgoing International Wire Fee	$35	Not stated	None
Incoming International Wire Fee	$45	Not stated	None
Check Services
Cashiers Check Fee	$5	Not stated	None
Personal Money Order Fee	$5	Not stated	None
Stop Payment Charge	$25	per item	None
Non-Account Holder Check Cashing Fee	2%	Not stated	None
Foreign Check Processing Fee	$3.50	Not stated	None
Digital & Electronic
Outgoing Same Day ACH Fee	$15	Not stated	None
Written statement of unauthorized debit (ACH return)	$25	Not stated	None
Online Banking and Bill Pay	No charge	Not stated	None
Cash & Deposit
Loose Coin Counting Fee (Non-Customer)	5%	Not stated	None
Account Services
Notary Service Fee (Non-Customer)	$5	Not stated	None
Safe Deposit Box Key Replacement	$10Not compared: Box drilling or key fee	Not stated	None
Garnishment/Levy Fee	$35	Not stated	None

Correct a fee source

Oct 16, 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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