The First National Bank of Carmi

Headquarters: Carmi, Illinois
Charter: Bank
Assets: $622.2M
Fed district: St. Louis

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

Source: its fee schedule, read Oct 31, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
The First National Bank of Carmi: $32.75
The First National Bank of Carmi: $32.75
U.S. median: no median
NSF / Returned Item
The First National Bank of Carmi: $32.75
The First National Bank of Carmi: $32.75
U.S. median: no median
Non-Network ATM
The First National Bank of Carmi: $1
The First National Bank of Carmi: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Illinois, the St. Louis 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).
Illinois: Banks and credit unions headquartered in Illinois that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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 The First National Bank of Carmi’s own schedules, with a source for each figure.

Account Maintenance

Early account closure (within 90 days of opening)$15
Dormant account - checking account - per month$5
per month
Dormant account - savings account - per quarter (excludes Student Savings and Christmas Club)$5
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

Bounce Protection overdraft item(s) fee$32.75
Overdraft fee$32.75
per item
Return item for NSF fee - per item, per presentment$32.75
per item
Sweep transfer fee$7.50
Sweep Transfer fee per occurrence$7.50
per item

ATM & Card

Withdrawal at non-Money Pass ATM$1
Debit Card replacement fee$5

Wire Transfers

Cash Management wire fee - outgoing domestic$30
Wire fee - outgoing domestic$30
Wire fee - incoming domestic$10
Wire fee - outgoing international$70
Wire fee - incoming international$32.75

Check Services

Cashier's Check - per check$6
per item
Stop payment fee - per item$25
per item
Collection item$10

Digital & Electronic

Same day ACH file fee - per transmitted item credit or debit$2
Bill Pay fee after 60 days of inactivity - per month$5.95
Expedited Online Bill Pay payment - next day$19.95
Expedited Online Bill Pay payment - second day$14.95
Expedited Online Bill Pay payment - second day, electronic delivery$4.95

Account Services

Levies, summons, garnishments and subpoena processing fee - per hour (one hour minimum)$30
Not compared: Charged per hour; comparison unavailable
per hour · Levies, summons, garnishments and subpoena processing fee - per hour (one hour minimum) | $30.00

Other Fees

Photocopy fee - per page$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Early account closure (within 90 days of opening)	$15	Not stated	None
Dormant account - checking account - per month	$5	per month	None
Dormant account - savings account - per quarter (excludes Student Savings and Christmas Club)	$5Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
Bounce Protection overdraft item(s) fee	$32.75	Not stated	None
Overdraft fee	$32.75	per item	None
Return item for NSF fee - per item, per presentment	$32.75	per item	None
Sweep transfer fee	$7.50	Not stated	None
Sweep Transfer fee per occurrence	$7.50	per item	None
ATM & Card
Withdrawal at non-Money Pass ATM	$1	Not stated	None
Debit Card replacement fee	$5	Not stated	None
Wire Transfers
Cash Management wire fee - outgoing domestic	$30	Not stated	None
Wire fee - outgoing domestic	$30	Not stated	None
Wire fee - incoming domestic	$10	Not stated	None
Wire fee - outgoing international	$70	Not stated	None
Wire fee - incoming international	$32.75	Not stated	None
Check Services
Cashier's Check - per check	$6	per item	None
Stop payment fee - per item	$25	per item	None
Collection item	$10	Not stated	None
Digital & Electronic
Same day ACH file fee - per transmitted item credit or debit	$2	Not stated	None
Bill Pay fee after 60 days of inactivity - per month	$5.95	Not stated	None
Expedited Online Bill Pay payment - next day	$19.95	Not stated	None
Expedited Online Bill Pay payment - second day	$14.95	Not stated	None
Expedited Online Bill Pay payment - second day, electronic delivery	$4.95	Not stated	None
Account Services
Levies, summons, garnishments and subpoena processing fee - per hour (one hour minimum)	$30Not compared: Charged per hour; comparison unavailable	per hour	Levies, summons, garnishments and subpoena processing fee - per hour (one hour minimum) \| $30.00
Other Fees
Photocopy fee - per page	$0.25	per item	None

Account Maintenance

Early account closure (within 90 days of opening)$15
Dormant account - checking account - per month$5
per month
Dormant account - savings account - per quarter (excludes Student Savings and Christmas Club)$5
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

Bounce Protection overdraft item(s) fee$32.75
Overdraft fee$32.75
per item
Return item for NSF fee - per item, per presentment$32.75
per item
Sweep transfer fee$7.50

ATM & Card

Withdrawal at non-Money Pass ATM$1
Debit Card replacement fee$5

Wire Transfers

Cash Management wire fee - outgoing domestic$30
Wire fee - outgoing domestic$30
Wire fee - incoming domestic$10
Wire fee - outgoing international$70
Wire fee - incoming international$32.75

Check Services

Cashier's Check - per check$6
per item
Stop payment fee - per item$25
per item
Collection item$10

Digital & Electronic

Same day ACH file fee - per transmitted item credit or debit$2
Bill Pay fee after 60 days of inactivity - per month$5.95
Expedited Online Bill Pay payment - next day$19.95
Expedited Online Bill Pay payment - second day$14.95
Expedited Online Bill Pay payment - second day, electronic delivery$4.95
Online Bill Pay for business accounts after 20 paid items - per month, per item$0.40
Not compared: Per-item charge, not monthly
per item

Account Services

Levies, summons, garnishments and subpoena processing fee - per hour (one hour minimum)$30
Not compared: Charged per hour; comparison unavailable
per hour · Levies, summons, garnishments and subpoena processing fee - per hour (one hour minimum) | $30.00

Other Fees

Photocopy fee - per page$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Early account closure (within 90 days of opening)	$15	Not stated	None
Dormant account - checking account - per month	$5	per month	None
Dormant account - savings account - per quarter (excludes Student Savings and Christmas Club)	$5Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
Bounce Protection overdraft item(s) fee	$32.75	Not stated	None
Overdraft fee	$32.75	per item	None
Return item for NSF fee - per item, per presentment	$32.75	per item	None
Sweep transfer fee	$7.50	Not stated	None
ATM & Card
Withdrawal at non-Money Pass ATM	$1	Not stated	None
Debit Card replacement fee	$5	Not stated	None
Wire Transfers
Cash Management wire fee - outgoing domestic	$30	Not stated	None
Wire fee - outgoing domestic	$30	Not stated	None
Wire fee - incoming domestic	$10	Not stated	None
Wire fee - outgoing international	$70	Not stated	None
Wire fee - incoming international	$32.75	Not stated	None
Check Services
Cashier's Check - per check	$6	per item	None
Stop payment fee - per item	$25	per item	None
Collection item	$10	Not stated	None
Digital & Electronic
Same day ACH file fee - per transmitted item credit or debit	$2	Not stated	None
Bill Pay fee after 60 days of inactivity - per month	$5.95	Not stated	None
Expedited Online Bill Pay payment - next day	$19.95	Not stated	None
Expedited Online Bill Pay payment - second day	$14.95	Not stated	None
Expedited Online Bill Pay payment - second day, electronic delivery	$4.95	Not stated	None
Online Bill Pay for business accounts after 20 paid items - per month, per item	$0.40Not compared: Per-item charge, not monthly	per item	None
Account Services
Levies, summons, garnishments and subpoena processing fee - per hour (one hour minimum)	$30Not compared: Charged per hour; comparison unavailable	per hour	Levies, summons, garnishments and subpoena processing fee - per hour (one hour minimum) \| $30.00
Other Fees
Photocopy fee - per page	$0.25	per item	None

Correct a fee source

Oct 31, 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.

Fee change alerts

Get an email when The First National Bank of Carmi's nsf / returned item changes in our data

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Fees against the market

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

Overdraft (OD)
The First National Bank of Carmi: $32.75
The First National Bank of Carmi: $32.75
U.S. median: no median
NSF / Returned Item
The First National Bank of Carmi: $32.75
The First National Bank of Carmi: $32.75
U.S. median: no median
Non-Network ATM
The First National Bank of Carmi: $1
The First National Bank of Carmi: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Illinois, the St. Louis 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).
Illinois: Banks and credit unions headquartered in Illinois that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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.

Published fee schedule

Amounts from The First National Bank of Carmi’s own schedules, with a source for each figure.

Account Maintenance

Early account closure (within 90 days of opening)$15
Dormant account - checking account - per month$5
per month
Dormant account - savings account - per quarter (excludes Student Savings and Christmas Club)$5
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

Bounce Protection overdraft item(s) fee$32.75
Overdraft fee$32.75
per item
Return item for NSF fee - per item, per presentment$32.75
per item
Sweep transfer fee$7.50
Sweep Transfer fee per occurrence$7.50
per item

ATM & Card

Withdrawal at non-Money Pass ATM$1
Debit Card replacement fee$5

Wire Transfers

Cash Management wire fee - outgoing domestic$30
Wire fee - outgoing domestic$30
Wire fee - incoming domestic$10
Wire fee - outgoing international$70
Wire fee - incoming international$32.75

Check Services

Cashier's Check - per check$6
per item
Stop payment fee - per item$25
per item
Collection item$10

Digital & Electronic

Same day ACH file fee - per transmitted item credit or debit$2
Bill Pay fee after 60 days of inactivity - per month$5.95
Expedited Online Bill Pay payment - next day$19.95
Expedited Online Bill Pay payment - second day$14.95
Expedited Online Bill Pay payment - second day, electronic delivery$4.95

Account Services

Levies, summons, garnishments and subpoena processing fee - per hour (one hour minimum)$30
Not compared: Charged per hour; comparison unavailable
per hour · Levies, summons, garnishments and subpoena processing fee - per hour (one hour minimum) | $30.00

Other Fees

Photocopy fee - per page$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Early account closure (within 90 days of opening)	$15	Not stated	None
Dormant account - checking account - per month	$5	per month	None
Dormant account - savings account - per quarter (excludes Student Savings and Christmas Club)	$5Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
Bounce Protection overdraft item(s) fee	$32.75	Not stated	None
Overdraft fee	$32.75	per item	None
Return item for NSF fee - per item, per presentment	$32.75	per item	None
Sweep transfer fee	$7.50	Not stated	None
Sweep Transfer fee per occurrence	$7.50	per item	None
ATM & Card
Withdrawal at non-Money Pass ATM	$1	Not stated	None
Debit Card replacement fee	$5	Not stated	None
Wire Transfers
Cash Management wire fee - outgoing domestic	$30	Not stated	None
Wire fee - outgoing domestic	$30	Not stated	None
Wire fee - incoming domestic	$10	Not stated	None
Wire fee - outgoing international	$70	Not stated	None
Wire fee - incoming international	$32.75	Not stated	None
Check Services
Cashier's Check - per check	$6	per item	None
Stop payment fee - per item	$25	per item	None
Collection item	$10	Not stated	None
Digital & Electronic
Same day ACH file fee - per transmitted item credit or debit	$2	Not stated	None
Bill Pay fee after 60 days of inactivity - per month	$5.95	Not stated	None
Expedited Online Bill Pay payment - next day	$19.95	Not stated	None
Expedited Online Bill Pay payment - second day	$14.95	Not stated	None
Expedited Online Bill Pay payment - second day, electronic delivery	$4.95	Not stated	None
Account Services
Levies, summons, garnishments and subpoena processing fee - per hour (one hour minimum)	$30Not compared: Charged per hour; comparison unavailable	per hour	Levies, summons, garnishments and subpoena processing fee - per hour (one hour minimum) \| $30.00
Other Fees
Photocopy fee - per page	$0.25	per item	None

Account Maintenance

Early account closure (within 90 days of opening)$15
Dormant account - checking account - per month$5
per month
Dormant account - savings account - per quarter (excludes Student Savings and Christmas Club)$5
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

Bounce Protection overdraft item(s) fee$32.75
Overdraft fee$32.75
per item
Return item for NSF fee - per item, per presentment$32.75
per item
Sweep transfer fee$7.50

ATM & Card

Withdrawal at non-Money Pass ATM$1
Debit Card replacement fee$5

Wire Transfers

Cash Management wire fee - outgoing domestic$30
Wire fee - outgoing domestic$30
Wire fee - incoming domestic$10
Wire fee - outgoing international$70
Wire fee - incoming international$32.75

Check Services

Cashier's Check - per check$6
per item
Stop payment fee - per item$25
per item
Collection item$10

Digital & Electronic

Same day ACH file fee - per transmitted item credit or debit$2
Bill Pay fee after 60 days of inactivity - per month$5.95
Expedited Online Bill Pay payment - next day$19.95
Expedited Online Bill Pay payment - second day$14.95
Expedited Online Bill Pay payment - second day, electronic delivery$4.95
Online Bill Pay for business accounts after 20 paid items - per month, per item$0.40
Not compared: Per-item charge, not monthly
per item

Account Services

Levies, summons, garnishments and subpoena processing fee - per hour (one hour minimum)$30
Not compared: Charged per hour; comparison unavailable
per hour · Levies, summons, garnishments and subpoena processing fee - per hour (one hour minimum) | $30.00

Other Fees

Photocopy fee - per page$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Early account closure (within 90 days of opening)	$15	Not stated	None
Dormant account - checking account - per month	$5	per month	None
Dormant account - savings account - per quarter (excludes Student Savings and Christmas Club)	$5Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
Bounce Protection overdraft item(s) fee	$32.75	Not stated	None
Overdraft fee	$32.75	per item	None
Return item for NSF fee - per item, per presentment	$32.75	per item	None
Sweep transfer fee	$7.50	Not stated	None
ATM & Card
Withdrawal at non-Money Pass ATM	$1	Not stated	None
Debit Card replacement fee	$5	Not stated	None
Wire Transfers
Cash Management wire fee - outgoing domestic	$30	Not stated	None
Wire fee - outgoing domestic	$30	Not stated	None
Wire fee - incoming domestic	$10	Not stated	None
Wire fee - outgoing international	$70	Not stated	None
Wire fee - incoming international	$32.75	Not stated	None
Check Services
Cashier's Check - per check	$6	per item	None
Stop payment fee - per item	$25	per item	None
Collection item	$10	Not stated	None
Digital & Electronic
Same day ACH file fee - per transmitted item credit or debit	$2	Not stated	None
Bill Pay fee after 60 days of inactivity - per month	$5.95	Not stated	None
Expedited Online Bill Pay payment - next day	$19.95	Not stated	None
Expedited Online Bill Pay payment - second day	$14.95	Not stated	None
Expedited Online Bill Pay payment - second day, electronic delivery	$4.95	Not stated	None
Online Bill Pay for business accounts after 20 paid items - per month, per item	$0.40Not compared: Per-item charge, not monthly	per item	None
Account Services
Levies, summons, garnishments and subpoena processing fee - per hour (one hour minimum)	$30Not compared: Charged per hour; comparison unavailable	per hour	Levies, summons, garnishments and subpoena processing fee - per hour (one hour minimum) \| $30.00
Other Fees
Photocopy fee - per page	$0.25	per item	None

Correct a fee source

Oct 31, 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.