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

Washington Savings Bank

Effingham, IllinoisBankSt. Louis Fed districtFees collected Oct 5, 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 Closing Fee (within 90 days)$25Within the typical range ($10–$25 nationally)

$7.50 above the national median$5 above the Illinois median

Dormant Account Fee (minors are exempt)$5

At the national medianAt the Illinois median

per month · Source

Research Fee (minimum 1 hour)$30

$12.50 above the national median$10 above the Illinois median

Source

Returned Mail/Bad Address Fee$5

$12.50 below the national median$15 below the Illinois median

per item · Knox extract.rules v30 categorized a line held for review from Rosetta artifact #10503. canonical_hint=account_research; text_hash=2389ff3f36e60ff7842bf6c067d38cac16634400c5529e27355d17777fa4abe4; excerpt="Returned Mail/Bad Address Fee: $5.00 per occurrence" · Source

Mailed Paper Statement Fee$3

At the national medianAt the Illinois median

per month · Source

Overdraft & NSFVerified

NSF – Overdrawn Check/ACH$30Within the typical range ($25–$32 nationally)
At the national medianAt the Illinois median
Source

ATM & CardVerified

ATM Fee at Another Bank’s Machine$2.50Above the typical range ($1–$2.25 nationally)
$1 above the national median$1.25 above the Illinois median
per transaction · Source
Replace ATM/Debit Card$10Within the typical range ($5–$10 nationally)
At the national medianAt the Illinois median
Source

Wire TransfersVerified

Incoming Wire Fee$10Within the typical range ($5–$15 nationally)
At the national medianAt the Illinois median
Source
Wire Transfer outside U.S.$65Above the typical range ($40–$50 nationally)
$15 above the national median$15 above the Illinois median
Source

Check ServicesVerified

Cashier’s Check$5Within the typical range ($3–$6 nationally)
At the national medianAt the Illinois median
per item · Source
Stop Payment Request$30Within the typical range ($20–$30 nationally)
$2.50 above the national median$0.50 above the Illinois median
Source
Counter Checks$0.50Below the typical range ($1–$4 nationally)
$1.50 below the national median$1 below the Illinois median
per item · Source
Non-Customer Check Cashing Fee$5Within the typical range ($5–$10 nationally)
At the national median$2 below the Illinois median
Source
Collection Fee$15Within the typical range ($10–$25 nationally)
$5 below the national medianAt the Illinois median
Knox extract.rules v30 categorized a line held for review from Rosetta artifact #10503. canonical_hint=check_cashing; text_hash=2389ff3f36e60ff7842bf6c067d38cac16634400c5529e27355d17777fa4abe4; excerpt="Collection Fee: $15.00" · Source
Duplicate copy of Check$5Within the typical range ($2–$5 nationally)
$2 above the national median$1 above the Illinois median
per item · Source

Digital & ElectronicVerified

Check/ACH return for any reason – per presentment$30Within the typical range ($15–$30 nationally)
$5 above the national medianAt the Illinois median
per item · Source

Cash & DepositVerified

Redeposit Returned Check Fee$5Below the typical range ($8–$25 nationally)
$10 below the national median$10 below the Illinois median
per item · Source

Account ServicesVerified

Notary Fee$5Within the typical range ($0–$5 nationally)
$2.50 above the national median$4 above the Illinois median
Source
5 x 5 (Keller)$35Within the typical range ($30–$70 nationally)
$10 below the national median$10 below the Illinois median
Source
Safe Deposit Box 10 x 10$75Above the typical range ($30–$70 nationally)
$30 above the national median$30 above the Illinois median
Source
Safe Deposit Box 3 x 10$40Within the typical range ($30–$70 nationally)
$5 below the national median$5 below the Illinois median
Source
Safe Deposit Box 3 x 5$25Below the typical range ($30–$70 nationally)
$20 below the national median$20 below the Illinois median
Source
Safe Deposit Box 5 x 10$50Within the typical range ($30–$70 nationally)
$5 above the national median$5 above the Illinois median
Source
Garnishment & Levy Fee$75Within the typical range ($30–$90 nationally)
$25 above the national medianAt the Illinois median
Source

Retirement & IRAVerified

IRA Transfer Fee$30Within the typical range ($25–$35 nationally)
$5 above the national median$3.50 above the Illinois median
Source

Gift & Prepaid CardsVerified

Gift Card Purchase Fee$2Below the typical range ($3–$4.95 nationally)
$1.50 below the national median$1.50 below the Illinois median
Source
Travel Card Reload Fee$3Within the typical range ($3–$4.95 nationally)
$0.50 below the national median$0.50 below the Illinois median
Source

Other FeesVerified

Photocopies (per page)$0.25Below the typical range ($2–$5 nationally)
$2.75 below the national median$1.75 below the Illinois median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Account Closing Fee (within 90 days)	$25Within the typical range ($10–$25 nationally)	$7.50 above the national median$5 above the Illinois median	—	—	Source
Dormant Account Fee (minors are exempt)	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Illinois median	per month	—	Source
Research Fee (minimum 1 hour)	$30Above the typical range ($11–$25 nationally)	$12.50 above the national median$10 above the Illinois median	—	—	Source
Returned Mail/Bad Address Fee	$5Below the typical range ($11–$25 nationally)	$12.50 below the national median$15 below the Illinois median	per item	Knox extract.rules v30 categorized a line held for review from Rosetta artifact #10503. canonical_hint=account_research; text_hash=2389ff3f36e60ff7842bf6c067d38cac16634400c5529e27355d17777fa4abe4; excerpt="Returned Mail/Bad Address Fee: $5.00 per occurrence"	Source
Mailed Paper Statement Fee	$3Within the typical range ($2–$4.50 nationally)	At the national medianAt the Illinois median	per month	—	Source
Overdraft & NSFVerified
NSF – Overdrawn Check/ACH	$30Within the typical range ($25–$32 nationally)	At the national medianAt the Illinois median	—	—	Source
ATM & CardVerified
ATM Fee at Another Bank’s Machine	$2.50Above the typical range ($1–$2.25 nationally)	$1 above the national median$1.25 above the Illinois median	per transaction	—	Source
Replace ATM/Debit Card	$10
Wire TransfersVerified
Incoming Wire Fee	$10Within the typical range ($5–$15 nationally)	At the national medianAt the Illinois median	—	—	Source
Wire Transfer outside U.S.	$65
Check ServicesVerified
Cashier’s Check	$5Within the typical range ($3–$6 nationally)	At the national medianAt the Illinois median	per item	—	Source
Stop Payment Request	$30
Digital & ElectronicVerified
Check/ACH return for any reason – per presentment	$30Within the typical range ($15–$30 nationally)	$5 above the national medianAt the Illinois median	per item	—	Source
Cash & DepositVerified
Redeposit Returned Check Fee	$5Below the typical range ($8–$25 nationally)	$10 below the national median$10 below the Illinois median	per item	—	Source
Account ServicesVerified
Notary Fee	$5Within the typical range ($0–$5 nationally)	$2.50 above the national median$4 above the Illinois median	—	—	Source
5 x 5 (Keller)	$35
Retirement & IRAVerified
IRA Transfer Fee	$30Within the typical range ($25–$35 nationally)	$5 above the national median$3.50 above the Illinois median	—	—	Source
Gift & Prepaid CardsVerified
Gift Card Purchase Fee	$2Below the typical range ($3–$4.95 nationally)	$1.50 below the national median$1.50 below the Illinois median	—	—	Source
Travel Card Reload Fee	$3
Other FeesVerified
Photocopies (per page)	$0.25Below the typical range ($2–$5 nationally)	$2.75 below the national median$1.75 below the Illinois median	per item	—	Source

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.

NSF fee: $30

NSF fee is aligned with the national median

29 verified fees collected

Headline fees published

9 of 15

Published fees

Under review

Assets

$585.3M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$585.3M

Total deposits

$504.4M

Service charge income

$93K

Fee income ratio

2.0%

Return on assets

0.81%

Branches

Service charge income by quarter

Q2 2026$93K

Q1 2026$81K

Q4 2025$91K

Q3 2025$88K

Financial profile · Pro

Performance from regulator filings

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