Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, $300M to $1B

First United Bank and Trust Company

Madisonville, KentuckyBankSt. Louis Fed districtFees collected Oct 9, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Balancing & Research$50Above the typical range ($12–$25 nationally)

Overdraft & NSFVerified

\ Paid Item Fee$35Above the typical range ($25–$33 nationally)
$5 above the national median$5 above the Kentucky median
Source
\ Return Item Fee$35Above the typical range ($25–$32 nationally)
$5 above the national median$5 above the Kentucky median
per item · Source
Overdraft Transfer Fee$5Within the typical range ($2.50–$5 nationally)
At the national median$1 above the Kentucky median
per item · Source

ATM & CardVerified

Foreign ATM Fee (Non First United Bank ATM)$2Within the typical range ($1–$2.25 nationally)
$0.50 above the national median$1 above the Kentucky median
Source
Replacement Card$10Within the typical range ($5–$10 nationally)
At the national medianAt the Kentucky median
per item · Source

Wire TransfersVerified

### Wire Transfers (Bank Customers Only): International Outgoing$50Within the typical range ($40–$50 nationally)
At the national medianAt the Kentucky median
Source
### Wire Transfers (Bank Customers Only): International Incoming$35Above the typical range ($10–$25 nationally)
$15 above the national medianAt the Kentucky median
Source

Check ServicesVerified

Bank Cashier's Checks (Customer Only)$5Within the typical range ($3–$6 nationally)
At the national medianAt the Kentucky median
per item · Source
Stop Payment Fees$15Below the typical range ($20–$30 nationally)
$12.50 below the national median$13.48 below the Kentucky median
per item · Source
Counter Checks$1Within the typical range ($1–$4 nationally)
$1 below the national median$1 below the Kentucky median
per item · Source
Copy of paid check or document$2Within the typical range ($2–$5 nationally)
$1 below the national median$1 below the Kentucky median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Account Balancing & Research	$50Above the typical range ($12–$25 nationally)	$32.50 above the national median$35 above the Kentucky median	—	—	Source
Return mail fee	$10Below the typical range ($12–$25 nationally)	$7.50 below the national median$5 below the Kentucky median	—	—	Source
Overdraft & NSFVerified
\ Paid Item Fee	$35Above the typical range ($25–$33 nationally)	$5 above the national median$5 above the Kentucky median	—	—	Source
\ Return Item Fee	$35
ATM & CardVerified
Foreign ATM Fee (Non First United Bank ATM)	$2Within the typical range ($1–$2.25 nationally)	$0.50 above the national median$1 above the Kentucky median	—	—	Source
Replacement Card	$10
Wire TransfersVerified
### Wire Transfers (Bank Customers Only): International Outgoing	$50Within the typical range ($40–$50 nationally)	At the national medianAt the Kentucky median	—	—	Source
### Wire Transfers (Bank Customers Only): International Incoming	$35
Check ServicesVerified
Bank Cashier's Checks (Customer Only)	$5Within the typical range ($3–$6 nationally)	At the national medianAt the Kentucky median	per item	—	Source
Stop Payment Fees	$15
Cash & DepositVerified
Returned Deposit Items	$10Within the typical range ($8–$25 nationally)	$5 below the national medianAt the Kentucky median	per item	—	Source
Account ServicesVerified
Garnishment/Levy on Account	$75Within the typical range ($30–$87.50 nationally)	$25 above the national medianAt the Kentucky median	—	—	Source

Against St. Louis Fed district banks

Its state has too few comparable institutions, so these are its Fed district peers.

Overdraft
$35.00
Of 100 others that publish it, 72 lower, 18 the same and 10 higher.

See every headline fee against its local competitors

Fee change alerts

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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

$35

Overdraft fee: $35

17% above the national median overdraft fee

15 verified fees collected

Headline fees published

9 of 15

Published fees

Under review

Assets

$591.4M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$591.4M

Total deposits

$525.0M

Service charge income

$234K

Fee income ratio

3.5%

Return on assets

1.51%

Branches

Service charge income by quarter

Q2 2026$234K

Q1 2026$218K

Q4 2025$234K

Q3 2025$221K

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

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Based on 65,408 published fee entries from 3,595 institutions

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