Washington Savings Bank

Headquarters: Effingham, Illinois
Charter: Bank
Assets: $585.3M
Fed district: St. Louis

22 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.

NSF / Returned Item
Washington Savings Bank: $30
Washington Savings Bank: $30
U.S. median: no median
Non-Network ATM
Washington Savings Bank: $2.50
Washington Savings Bank: $2.50
U.S. median: no median
Wire Transfer (Domestic Out)
Washington Savings Bank: $30
Washington Savings Bank: $30
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 Washington Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Account Closing Fee (within 90 days)$25
Dormant Account Fee (minors are exempt)$5
per month
Research Fee (minimum 1 hour)$30
Not compared: Charged per hour; comparison unavailable
per hour · Research Fee (minimum 1 hour): $30.00 per hour
Mailed Paper Statement Fee$3
per month
Returned Mail/Bad Address Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

NSF – Overdrawn Check/ACH$30
NSF – Overdrawn Check/ACH – per presentment$30
per item

ATM & Card

ATM Fee at Another Bank’s Machine$2.50
per item
Replace ATM/Debit Card$10

Wire Transfers

Wire Transfer within U.S$30
Incoming Wire Fee$10
Wire Transfer outside U.S$65

Check Services

Cashier’s Check$5
per item
Stop Payment Request$30
Counter Checks$0.50
per item
Non-Customer Check Cashing Fee$5
Collection Fee$15
Duplicate copy of Check$5
per item

Digital & Electronic

Check/ACH return for any reason – per presentment$30
per item

Account Services

Notary Fee$5
5 x 5 (Keller)$35
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)$75
Safe Deposit Box 3 x 10$40
Safe Deposit Box 5 x 10$50
Safe Deposit Boxes: 3 x 10 (audience not stated, treated as personal)$40
Safe Deposit Boxes: 3 x 5 (audience not stated, treated as personal)$25
Safe Deposit Boxes: 5 x 10 (audience not stated, treated as personal)$50
Garnishment & Levy Fee$75

Retirement & IRA

IRA Transfer Fee$30

Gift & Prepaid Cards

Gift Card Purchase Fee$2
Travel Card Reload Fee$3

Other Fees

Duplicate Copy of Bank Statement$5
Not compared: Charged per statement; comparison unavailable
per statement · Duplicate Copy of Bank Statement: $5.00 per statement
Fax Service (per page)$1
per item
Photocopies (per page)$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closing Fee (within 90 days)	$25	Not stated	None
Dormant Account Fee (minors are exempt)	$5	per month	None
Research Fee (minimum 1 hour)	$30Not compared: Charged per hour; comparison unavailable	per hour	Research Fee (minimum 1 hour): $30.00 per hour
Mailed Paper Statement Fee	$3	per month	None
Returned Mail/Bad Address Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
NSF – Overdrawn Check/ACH	$30	Not stated	None
NSF – Overdrawn Check/ACH – per presentment	$30	per item	None
ATM & Card
ATM Fee at Another Bank’s Machine	$2.50	per item	None
Replace ATM/Debit Card	$10	Not stated	None
Wire Transfers
Wire Transfer within U.S	$30	Not stated	None
Incoming Wire Fee	$10	Not stated	None
Wire Transfer outside U.S	$65	Not stated	None
Check Services
Cashier’s Check	$5	per item	None
Stop Payment Request	$30	Not stated	None
Counter Checks	$0.50	per item	None
Non-Customer Check Cashing Fee	$5	Not stated	None
Collection Fee	$15	Not stated	None
Duplicate copy of Check	$5	per item	None
Digital & Electronic
Check/ACH return for any reason – per presentment	$30	per item	None
Account Services
Notary Fee	$5	Not stated	None
5 x 5 (Keller)	$35	Not stated	None
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)	$75	Not stated	None
Safe Deposit Box 3 x 10	$40	Not stated	None
Safe Deposit Box 5 x 10	$50	Not stated	None
Safe Deposit Boxes: 3 x 10 (audience not stated, treated as personal)	$40	Not stated	None
Safe Deposit Boxes: 3 x 5 (audience not stated, treated as personal)	$25	Not stated	None
Safe Deposit Boxes: 5 x 10 (audience not stated, treated as personal)	$50	Not stated	None
Garnishment & Levy Fee	$75	Not stated	None
Retirement & IRA
IRA Transfer Fee	$30	Not stated	None
Gift & Prepaid Cards
Gift Card Purchase Fee	$2	Not stated	None
Travel Card Reload Fee	$3	Not stated	None
Other Fees
Duplicate Copy of Bank Statement	$5Not compared: Charged per statement; comparison unavailable	per statement	Duplicate Copy of Bank Statement: $5.00 per statement
Fax Service (per page)	$1	per item	None
Photocopies (per page)	$0.25	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Account Closing Fee (within 90 days)$25
Dormant Account Fee (minors are exempt)$5
per month
Research Fee (minimum 1 hour)$30
Not compared: Charged per hour; comparison unavailable
per hour · Research Fee (minimum 1 hour): $30.00 per hour
Mailed Paper Statement Fee$3
per month
Returned Mail/Bad Address Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

NSF – Overdrawn Check/ACH$30
NSF – Overdrawn Check/ACH – per presentment$30
per item

ATM & Card

ATM Fee at Another Bank’s Machine$2.50
per item
Replace ATM/Debit Card$10

Wire Transfers

Wire Transfer within U.S$30
Incoming Wire Fee$10
Wire Transfer outside U.S$65

Check Services

Cashier’s Check$5
per item
Stop Payment Request$30
Counter Checks$0.50
per item
Non-Customer Check Cashing Fee$5
Collection Fee$15
Duplicate copy of Check$5
per item

Digital & Electronic

Check/ACH return for any reason – per presentment$30
per item

Cash & Deposit

Redeposit Returned Check Fee$5
per item

Account Services

Notary Fee$5
5 x 5 (Keller)$35
Safe Deposit Box 3 x 10$40
Safe Deposit Box 5 x 10$50
Garnishment & Levy Fee$75

Retirement & IRA

IRA Transfer Fee$30

Gift & Prepaid Cards

Gift Card Purchase Fee$2
Travel Card Reload Fee$3

Other Fees

Duplicate Copy of Bank Statement$5
Not compared: Charged per statement; comparison unavailable
per statement · Duplicate Copy of Bank Statement: $5.00 per statement
Fax Service (per page)$1
per item
Photocopies (per page)$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closing Fee (within 90 days)	$25	Not stated	None
Dormant Account Fee (minors are exempt)	$5	per month	None
Research Fee (minimum 1 hour)	$30Not compared: Charged per hour; comparison unavailable	per hour	Research Fee (minimum 1 hour): $30.00 per hour
Mailed Paper Statement Fee	$3	per month	None
Returned Mail/Bad Address Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
NSF – Overdrawn Check/ACH	$30	Not stated	None
NSF – Overdrawn Check/ACH – per presentment	$30	per item	None
ATM & Card
ATM Fee at Another Bank’s Machine	$2.50	per item	None
Replace ATM/Debit Card	$10	Not stated	None
Wire Transfers
Wire Transfer within U.S	$30	Not stated	None
Incoming Wire Fee	$10	Not stated	None
Wire Transfer outside U.S	$65	Not stated	None
Check Services
Cashier’s Check	$5	per item	None
Stop Payment Request	$30	Not stated	None
Counter Checks	$0.50	per item	None
Non-Customer Check Cashing Fee	$5	Not stated	None
Collection Fee	$15	Not stated	None
Duplicate copy of Check	$5	per item	None
Digital & Electronic
Check/ACH return for any reason – per presentment	$30	per item	None
Cash & Deposit
Redeposit Returned Check Fee	$5	per item	None
Account Services
Notary Fee	$5	Not stated	None
5 x 5 (Keller)	$35	Not stated	None
Safe Deposit Box 3 x 10	$40	Not stated	None
Safe Deposit Box 5 x 10	$50	Not stated	None
Garnishment & Levy Fee	$75	Not stated	None
Retirement & IRA
IRA Transfer Fee	$30	Not stated	None
Gift & Prepaid Cards
Gift Card Purchase Fee	$2	Not stated	None
Travel Card Reload Fee	$3	Not stated	None
Other Fees
Duplicate Copy of Bank Statement	$5Not compared: Charged per statement; comparison unavailable	per statement	Duplicate Copy of Bank Statement: $5.00 per statement
Fax Service (per page)	$1	per item	None
Photocopies (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 Washington Savings Bank's ach origination 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.

NSF / Returned Item
Washington Savings Bank: $30
Washington Savings Bank: $30
U.S. median: no median
Non-Network ATM
Washington Savings Bank: $2.50
Washington Savings Bank: $2.50
U.S. median: no median
Wire Transfer (Domestic Out)
Washington Savings Bank: $30
Washington Savings Bank: $30
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 Washington Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Account Closing Fee (within 90 days)$25
Dormant Account Fee (minors are exempt)$5
per month
Research Fee (minimum 1 hour)$30
Not compared: Charged per hour; comparison unavailable
per hour · Research Fee (minimum 1 hour): $30.00 per hour
Mailed Paper Statement Fee$3
per month
Returned Mail/Bad Address Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

NSF – Overdrawn Check/ACH$30
NSF – Overdrawn Check/ACH – per presentment$30
per item

ATM & Card

ATM Fee at Another Bank’s Machine$2.50
per item
Replace ATM/Debit Card$10

Wire Transfers

Wire Transfer within U.S$30
Incoming Wire Fee$10
Wire Transfer outside U.S$65

Check Services

Cashier’s Check$5
per item
Stop Payment Request$30
Counter Checks$0.50
per item
Non-Customer Check Cashing Fee$5
Collection Fee$15
Duplicate copy of Check$5
per item

Digital & Electronic

Check/ACH return for any reason – per presentment$30
per item

Account Services

Notary Fee$5
5 x 5 (Keller)$35
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)$75
Safe Deposit Box 3 x 10$40
Safe Deposit Box 5 x 10$50
Safe Deposit Boxes: 3 x 10 (audience not stated, treated as personal)$40
Safe Deposit Boxes: 3 x 5 (audience not stated, treated as personal)$25
Safe Deposit Boxes: 5 x 10 (audience not stated, treated as personal)$50
Garnishment & Levy Fee$75

Retirement & IRA

IRA Transfer Fee$30

Gift & Prepaid Cards

Gift Card Purchase Fee$2
Travel Card Reload Fee$3

Other Fees

Duplicate Copy of Bank Statement$5
Not compared: Charged per statement; comparison unavailable
per statement · Duplicate Copy of Bank Statement: $5.00 per statement
Fax Service (per page)$1
per item
Photocopies (per page)$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closing Fee (within 90 days)	$25	Not stated	None
Dormant Account Fee (minors are exempt)	$5	per month	None
Research Fee (minimum 1 hour)	$30Not compared: Charged per hour; comparison unavailable	per hour	Research Fee (minimum 1 hour): $30.00 per hour
Mailed Paper Statement Fee	$3	per month	None
Returned Mail/Bad Address Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
NSF – Overdrawn Check/ACH	$30	Not stated	None
NSF – Overdrawn Check/ACH – per presentment	$30	per item	None
ATM & Card
ATM Fee at Another Bank’s Machine	$2.50	per item	None
Replace ATM/Debit Card	$10	Not stated	None
Wire Transfers
Wire Transfer within U.S	$30	Not stated	None
Incoming Wire Fee	$10	Not stated	None
Wire Transfer outside U.S	$65	Not stated	None
Check Services
Cashier’s Check	$5	per item	None
Stop Payment Request	$30	Not stated	None
Counter Checks	$0.50	per item	None
Non-Customer Check Cashing Fee	$5	Not stated	None
Collection Fee	$15	Not stated	None
Duplicate copy of Check	$5	per item	None
Digital & Electronic
Check/ACH return for any reason – per presentment	$30	per item	None
Account Services
Notary Fee	$5	Not stated	None
5 x 5 (Keller)	$35	Not stated	None
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)	$75	Not stated	None
Safe Deposit Box 3 x 10	$40	Not stated	None
Safe Deposit Box 5 x 10	$50	Not stated	None
Safe Deposit Boxes: 3 x 10 (audience not stated, treated as personal)	$40	Not stated	None
Safe Deposit Boxes: 3 x 5 (audience not stated, treated as personal)	$25	Not stated	None
Safe Deposit Boxes: 5 x 10 (audience not stated, treated as personal)	$50	Not stated	None
Garnishment & Levy Fee	$75	Not stated	None
Retirement & IRA
IRA Transfer Fee	$30	Not stated	None
Gift & Prepaid Cards
Gift Card Purchase Fee	$2	Not stated	None
Travel Card Reload Fee	$3	Not stated	None
Other Fees
Duplicate Copy of Bank Statement	$5Not compared: Charged per statement; comparison unavailable	per statement	Duplicate Copy of Bank Statement: $5.00 per statement
Fax Service (per page)	$1	per item	None
Photocopies (per page)	$0.25	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Account Closing Fee (within 90 days)$25
Dormant Account Fee (minors are exempt)$5
per month
Research Fee (minimum 1 hour)$30
Not compared: Charged per hour; comparison unavailable
per hour · Research Fee (minimum 1 hour): $30.00 per hour
Mailed Paper Statement Fee$3
per month
Returned Mail/Bad Address Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

NSF – Overdrawn Check/ACH$30
NSF – Overdrawn Check/ACH – per presentment$30
per item

ATM & Card

ATM Fee at Another Bank’s Machine$2.50
per item
Replace ATM/Debit Card$10

Wire Transfers

Wire Transfer within U.S$30
Incoming Wire Fee$10
Wire Transfer outside U.S$65

Check Services

Cashier’s Check$5
per item
Stop Payment Request$30
Counter Checks$0.50
per item
Non-Customer Check Cashing Fee$5
Collection Fee$15
Duplicate copy of Check$5
per item

Digital & Electronic

Check/ACH return for any reason – per presentment$30
per item

Cash & Deposit

Redeposit Returned Check Fee$5
per item

Account Services

Notary Fee$5
5 x 5 (Keller)$35
Safe Deposit Box 3 x 10$40
Safe Deposit Box 5 x 10$50
Garnishment & Levy Fee$75

Retirement & IRA

IRA Transfer Fee$30

Gift & Prepaid Cards

Gift Card Purchase Fee$2
Travel Card Reload Fee$3

Other Fees

Duplicate Copy of Bank Statement$5
Not compared: Charged per statement; comparison unavailable
per statement · Duplicate Copy of Bank Statement: $5.00 per statement
Fax Service (per page)$1
per item
Photocopies (per page)$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closing Fee (within 90 days)	$25	Not stated	None
Dormant Account Fee (minors are exempt)	$5	per month	None
Research Fee (minimum 1 hour)	$30Not compared: Charged per hour; comparison unavailable	per hour	Research Fee (minimum 1 hour): $30.00 per hour
Mailed Paper Statement Fee	$3	per month	None
Returned Mail/Bad Address Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
NSF – Overdrawn Check/ACH	$30	Not stated	None
NSF – Overdrawn Check/ACH – per presentment	$30	per item	None
ATM & Card
ATM Fee at Another Bank’s Machine	$2.50	per item	None
Replace ATM/Debit Card	$10	Not stated	None
Wire Transfers
Wire Transfer within U.S	$30	Not stated	None
Incoming Wire Fee	$10	Not stated	None
Wire Transfer outside U.S	$65	Not stated	None
Check Services
Cashier’s Check	$5	per item	None
Stop Payment Request	$30	Not stated	None
Counter Checks	$0.50	per item	None
Non-Customer Check Cashing Fee	$5	Not stated	None
Collection Fee	$15	Not stated	None
Duplicate copy of Check	$5	per item	None
Digital & Electronic
Check/ACH return for any reason – per presentment	$30	per item	None
Cash & Deposit
Redeposit Returned Check Fee	$5	per item	None
Account Services
Notary Fee	$5	Not stated	None
5 x 5 (Keller)	$35	Not stated	None
Safe Deposit Box 3 x 10	$40	Not stated	None
Safe Deposit Box 5 x 10	$50	Not stated	None
Garnishment & Levy Fee	$75	Not stated	None
Retirement & IRA
IRA Transfer Fee	$30	Not stated	None
Gift & Prepaid Cards
Gift Card Purchase Fee	$2	Not stated	None
Travel Card Reload Fee	$3	Not stated	None
Other Fees
Duplicate Copy of Bank Statement	$5Not compared: Charged per statement; comparison unavailable	per statement	Duplicate Copy of Bank Statement: $5.00 per statement
Fax Service (per page)	$1	per item	None
Photocopies (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.