First United Bank and Trust Company

Headquarters: Madisonville, Kentucky
Charter: Bank
Assets: $591.4M
Fed district: St. Louis

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

Source: its fee schedule, read Nov 4, 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)
First United Bank and Trust Company: $35
First United Bank and Trust Company: $35
U.S. median: no median
NSF / Returned Item
First United Bank and Trust Company: $35
First United Bank and Trust Company: $35
U.S. median: no median
Non-Network ATM
First United Bank and Trust Company: $2
First United Bank and Trust Company: $2
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 Kentucky, 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).
Kentucky: Banks and credit unions headquartered in Kentucky 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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Among its peers

First United Bank and Trust Company · $591M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Banks only
$578M to $599M in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First United Bank and Trust Company(this institution)	Madisonville, KY	$591M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Holly Springs	Holly Springs, MS	$588M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bay State Savings Bank	Worcester, MA	$580M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cattlemens Bank	Altus, OK	$595M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Bank Minnesota	New Ulm, MN	$596M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cottonport Bank	Cottonport, LA	$582M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Crest Savings Bank	Wildwood, NJ	$594M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cross Bank	Wynne, AR	$593M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
First National Bank & Trust Company of McAlester	McAlester, OK	$580M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
FNBC Bank & Trust	La Grange, IL	$582M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Gulf Capital Bank	Houston, TX	$596M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Hatboro Federal Savings, FA	Hatboro, PA	$598M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Lee Bank	Lee, MA	$591M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Lumbee Guaranty Bank	Pembroke, NC	$583M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Palmetto State Bank	Hampton, SC	$597M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Peoples National Bank of Kewanee	Kewanee, IL	$588M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pineland Bank	Alma, GA	$597M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
PremierBank	Fort Atkinson, WI	$584M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
PyraMax Bank, FSB	Greenfield, WI	$589M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Regional Missouri Bank	Marceline, MO	$597M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
SouthTrust Bank, N.A.	George West, TX	$579M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Citizens Bank of Georgia	Cumming, GA	$599M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Falls City National Bank	Falls City, TX	$597M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Bank of Union	Union, MO	$578M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Washington Savings Bank	Effingham, IL	$585M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
WNB FINANCIAL, N.A.	Winona, MN	$584M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 11 publish this fee(monthly maintenance)

14 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

First United Bank and Trust Company does not publish a monthly maintenance fee in the index.

The peer median is $7 among 11 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

First United Bank and Trust Company does not publish a monthly maintenance fee, so it is not on this chart.

First United Bank and Tru…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from First United Bank and Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Account Balancing & Research$50
Not compared: Charged per hour; comparison unavailable
per hour
Return mail fee$10

Overdraft & NSF

\ Paid Item Fee$35
\ Return Item Fee$35
per item
Overdraft Transfer Fee$5
per item

ATM & Card

Foreign ATM Fee (Non First United Bank ATM)$2
Replacement Card$10
per item

Wire Transfers

Outgoing wire (audience not stated, treated as personal)$20
per item
Incoming wire (audience not stated, treated as personal)$10
per item
### Wire Transfers (Bank Customers Only): International Outgoing$50
### Wire Transfers (Bank Customers Only): International Incoming$35

Check Services

Bank Cashier's Checks (Customer Only)$5
per item
Stop Payment Fees$15
per item
Counter Checks$1
per item
Check Cashing (Non Customer) (audience not stated, treated as personal)2%($5 minimum)
Copy of paid check or document$2
per item

Cash & Deposit

Returned Deposit Items$10
per item

Account Services

Garnishment/Levy on Account$75

Fee	Amount	Basis	Note
Account Maintenance
Account Balancing & Research	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Return mail fee	$10	Not stated	None
Overdraft & NSF
\ Paid Item Fee	$35	Not stated	None
\ Return Item Fee	$35	per item	None
Overdraft Transfer Fee	$5	per item	None
ATM & Card
Foreign ATM Fee (Non First United Bank ATM)	$2	Not stated	None
Replacement Card	$10	per item	None
Wire Transfers
Outgoing wire (audience not stated, treated as personal)	$20	per item	None
Incoming wire (audience not stated, treated as personal)	$10	per item	None
### Wire Transfers (Bank Customers Only): International Outgoing	$50	Not stated	None
### Wire Transfers (Bank Customers Only): International Incoming	$35	Not stated	None
Check Services
Bank Cashier's Checks (Customer Only)	$5	per item	None
Stop Payment Fees	$15	per item	None
Counter Checks	$1	per item	None
Check Cashing (Non Customer) (audience not stated, treated as personal)	2%($5 minimum)	Not stated	None
Copy of paid check or document	$2	per item	None
Cash & Deposit
Returned Deposit Items	$10	per item	None
Account Services
Garnishment/Levy on Account	$75	Not stated	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

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.

Fee change alerts

Get an email when First United Bank and Trust Company's cashier's check changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Overdraft (OD)
First United Bank and Trust Company: $35
First United Bank and Trust Company: $35
U.S. median: no median
NSF / Returned Item
First United Bank and Trust Company: $35
First United Bank and Trust Company: $35
U.S. median: no median
Non-Network ATM
First United Bank and Trust Company: $2
First United Bank and Trust Company: $2
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 Kentucky, 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).
Kentucky: Banks and credit unions headquartered in Kentucky 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.

Among its peers

First United Bank and Trust Company · $591M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Banks only
$578M to $599M in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First United Bank and Trust Company(this institution)	Madisonville, KY	$591M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Holly Springs	Holly Springs, MS	$588M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bay State Savings Bank	Worcester, MA	$580M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cattlemens Bank	Altus, OK	$595M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Bank Minnesota	New Ulm, MN	$596M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cottonport Bank	Cottonport, LA	$582M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Crest Savings Bank	Wildwood, NJ	$594M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cross Bank	Wynne, AR	$593M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
First National Bank & Trust Company of McAlester	McAlester, OK	$580M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
FNBC Bank & Trust	La Grange, IL	$582M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Gulf Capital Bank	Houston, TX	$596M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Hatboro Federal Savings, FA	Hatboro, PA	$598M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Lee Bank	Lee, MA	$591M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Lumbee Guaranty Bank	Pembroke, NC	$583M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Palmetto State Bank	Hampton, SC	$597M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Peoples National Bank of Kewanee	Kewanee, IL	$588M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pineland Bank	Alma, GA	$597M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
PremierBank	Fort Atkinson, WI	$584M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
PyraMax Bank, FSB	Greenfield, WI	$589M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Regional Missouri Bank	Marceline, MO	$597M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
SouthTrust Bank, N.A.	George West, TX	$579M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Citizens Bank of Georgia	Cumming, GA	$599M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Falls City National Bank	Falls City, TX	$597M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Bank of Union	Union, MO	$578M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Washington Savings Bank	Effingham, IL	$585M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
WNB FINANCIAL, N.A.	Winona, MN	$584M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 11 publish this fee(monthly maintenance)

14 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

First United Bank and Trust Company does not publish a monthly maintenance fee in the index.

The peer median is $7 among 11 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

First United Bank and Trust Company does not publish a monthly maintenance fee, so it is not on this chart.

First United Bank and Tru…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from First United Bank and Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Account Balancing & Research$50
Not compared: Charged per hour; comparison unavailable
per hour
Return mail fee$10

Overdraft & NSF

\ Paid Item Fee$35
\ Return Item Fee$35
per item
Overdraft Transfer Fee$5
per item

ATM & Card

Foreign ATM Fee (Non First United Bank ATM)$2
Replacement Card$10
per item

Wire Transfers

Outgoing wire (audience not stated, treated as personal)$20
per item
Incoming wire (audience not stated, treated as personal)$10
per item
### Wire Transfers (Bank Customers Only): International Outgoing$50
### Wire Transfers (Bank Customers Only): International Incoming$35

Check Services

Bank Cashier's Checks (Customer Only)$5
per item
Stop Payment Fees$15
per item
Counter Checks$1
per item
Check Cashing (Non Customer) (audience not stated, treated as personal)2%($5 minimum)
Copy of paid check or document$2
per item

Cash & Deposit

Returned Deposit Items$10
per item

Account Services

Garnishment/Levy on Account$75

Fee	Amount	Basis	Note
Account Maintenance
Account Balancing & Research	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Return mail fee	$10	Not stated	None
Overdraft & NSF
\ Paid Item Fee	$35	Not stated	None
\ Return Item Fee	$35	per item	None
Overdraft Transfer Fee	$5	per item	None
ATM & Card
Foreign ATM Fee (Non First United Bank ATM)	$2	Not stated	None
Replacement Card	$10	per item	None
Wire Transfers
Outgoing wire (audience not stated, treated as personal)	$20	per item	None
Incoming wire (audience not stated, treated as personal)	$10	per item	None
### Wire Transfers (Bank Customers Only): International Outgoing	$50	Not stated	None
### Wire Transfers (Bank Customers Only): International Incoming	$35	Not stated	None
Check Services
Bank Cashier's Checks (Customer Only)	$5	per item	None
Stop Payment Fees	$15	per item	None
Counter Checks	$1	per item	None
Check Cashing (Non Customer) (audience not stated, treated as personal)	2%($5 minimum)	Not stated	None
Copy of paid check or document	$2	per item	None
Cash & Deposit
Returned Deposit Items	$10	per item	None
Account Services
Garnishment/Levy on Account	$75	Not stated	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

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.