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.

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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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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.

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