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

Crossroads Bank

Wabash, IndianaBankChicago Fed districtFees collected Mar 11, 2026Financials Q2 2026

Website

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

ACH - Minimum Monthly Fee$50Above the typical range ($3–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=monthly_maintenance; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="ACH - Minimum Monthly Fee: $ 50.00" · Source

Dormant Fees: Checking 1year and under$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=dormant_account; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Dormant Fees: Checking 1year and under $1,000.00: $ 5.00 per month" · Source

Monthly Fee$10

$4 above the national median

New Account Closed within 90 days$25

$10 above the national median

Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=early_closure; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="New Account Closed within 90 days: $ 25.00 per" · Source

Research and Reconciliation: Waive 1st time only - 1 hour minimum fee$30

$5 above the national median

Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=account_research; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Research and Reconciliation: Waive 1st time only - 1 hour minimum fee - $30.00 per hour" · Source

Statement Incorrect Address (Waive 1st time only)$5

$20 below the national median

Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=account_research; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Statement Incorrect Address (Waive 1st time only): $5.00" · Source

the third paper statement following the opening of the account, a$3

At the national median

Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=paper_statement; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="the third paper statement following the opening of the account, a $3.00 Paper Statement Fee will be charged to the account for each additional" · Source

Overdraft & NSFVerified

Overdraft Protection (ODP)$10Below the typical range ($25–$31 nationally)
$20 below the national median
per day · Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=overdraft; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Overdraft Protection (ODP): $10.00 fee per day (End of Day, Single Transfer)" · Source
Returned NSF Fee (NSF = Non-Sufficient Funds)$10Below the typical range ($25–$31 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=nsf; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Returned NSF Fee (NSF = Non-Sufficient Funds): $10.00 fee per return when the negative balance is ($0.01) to ($10.00)" · Source

ATM & CardVerified

ATM Foreign Fee$1.50Within the typical range ($1–$2.50 nationally)
At the national median
per transaction · Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=atm_non_network; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="ATM Foreign Fee: $ 1.50 per transaction" · Source
Debit/ATM Replacement Card Fee$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=card_replacement; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Debit/ATM Replacement Card Fee: $ 10.00 per" · Source

Wire TransfersVerified

Wire Fee International Out$40Within the typical range ($40–$50 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=wire_intl_outgoing; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Wire Fee International Out: $ 40.00 each" · Source
Wire Fee Out$20Within the typical range ($20–$25 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=wire_domestic_outgoing; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Wire Fee Out: $ 20.00 each" · Source

Check ServicesVerified

Bank Check - Account Holder$5Within the typical range ($3–$6 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=cashiers_check; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Bank Check - Account Holder: $ 5.00 each" · Source
Counter Checks : 1st 6 are free then$1Within the typical range ($1–$4 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=counter_check; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Counter Checks : 1st 6 are free then $1.00 each" · Source
Stop Payment Fee$34Above the typical range ($20–$30 nationally)
$8.50 above the national median
Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=stop_payment; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Stop Payment Fee: $ 34.00 each" · Source

Cash & DepositVerified

Deposited Item Returned$10Within the typical range ($10–$25 nationally)
$5 below the national median
per item · Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=deposited_item_return; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Deposited Item Returned: $ 10.00 per item" · Source

Account ServicesVerified

Garnishments$20Below the typical range ($30–$75 nationally)
$30 below the national median
Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=garnishment_levy; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Garnishments : $20.00 per" · Source
Safe Deposit Box 10 x 10$75Within the typical range ($25–$77.50 nationally)
$30 above the national median
per year · Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=safe_deposit_box; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Safe Deposit Box 10 x 10: $ 75.00 per year" · Source
Safe Deposit Box 3x10$35Within the typical range ($25–$77.50 nationally)
$10 below the national median
per year · Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=safe_deposit_box; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Safe Deposit Box 3x10: $ 35.00 per year" · Source
Safe Deposit Box 3x5$22Below the typical range ($25–$77.50 nationally)
$23 below the national median
per year · Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=safe_deposit_box; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Safe Deposit Box 3x5: $ 22.00 per year" · Source
Safe Deposit Box 5 x 10$45Within the typical range ($25–$77.50 nationally)
At the national median
per year · Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=safe_deposit_box; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Safe Deposit Box 5 x 10: $ 45.00 per year" · Source
Safe Deposit Box Drill Lock$175Above the typical range ($25–$77.50 nationally)
$130 above the national median
Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=safe_deposit_box; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Safe Deposit Box Drill Lock: $175.00 per box" · Source
Safe Deposit Box Late Charge$10Below the typical range ($25–$77.50 nationally)
$35 below the national median
per month · Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=safe_deposit_box; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Safe Deposit Box Late Charge: $ 10.00 per month" · Source
Safe Deposit Box Replacement Key$25Within the typical range ($25–$77.50 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=safe_deposit_box; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Safe Deposit Box Replacement Key: $ 25.00 each" · Source
Tax Levy, Restraining Orders (Legal)$100Above the typical range ($30–$75 nationally)
$50 above the national median
Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=garnishment_levy; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Tax Levy, Restraining Orders (Legal): $100.00 per" · Source

Retirement & IRAVerified

IRA Trustee to Trustee Transfer Out$25Within the typical range ($25–$35 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=ira_termination; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="IRA Trustee to Trustee Transfer Out: $25.00 per" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
ACH - Minimum Monthly Fee	$50Above the typical range ($3–$10 nationally)	$44 above the national median	per month	Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=monthly_maintenance; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="ACH - Minimum Monthly Fee: $ 50.00"	Source
Dormant Fees: Checking 1year and under	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=dormant_account; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Dormant Fees: Checking 1year and under $1,000.00: $ 5.00 per month"	Source
Monthly Fee	$10Within the typical range ($3–$10 nationally)	$4 above the national median	per month	Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=monthly_maintenance; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Monthly Fee - $10.00"	Source
New Account Closed within 90 days	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=early_closure; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="New Account Closed within 90 days: $ 25.00 per"	Source
Research and Reconciliation: Waive 1st time only - 1 hour minimum fee	$30Above the typical range ($17.50–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=account_research; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Research and Reconciliation: Waive 1st time only - 1 hour minimum fee - $30.00 per hour"	Source
Statement Incorrect Address (Waive 1st time only)	$5Below the typical range ($17.50–$25 nationally)	$20 below the national median	—	Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=account_research; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Statement Incorrect Address (Waive 1st time only): $5.00"	Source
the third paper statement following the opening of the account, a	$3Within the typical range ($2–$5 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=paper_statement; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="the third paper statement following the opening of the account, a $3.00 Paper Statement Fee will be charged to the account for each additional"	Source
Overdraft & NSFVerified
Overdraft Protection (ODP)	$10Below the typical range ($25–$31 nationally)	$20 below the national median	per day	Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=overdraft; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Overdraft Protection (ODP): $10.00 fee per day (End of Day, Single Transfer)"	Source

ATM & CardVerified
ATM Foreign Fee	$1.50Within the typical range ($1–$2.50 nationally)	At the national median	per transaction	Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=atm_non_network; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="ATM Foreign Fee: $ 1.50 per transaction"	Source
Debit/ATM Replacement Card Fee
Wire TransfersVerified
Wire Fee International Out	$40Within the typical range ($40–$50 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=wire_intl_outgoing; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Wire Fee International Out: $ 40.00 each"	Source
Wire Fee Out
Check ServicesVerified
Bank Check - Account Holder	$5Within the typical range ($3–$6 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=cashiers_check; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Bank Check - Account Holder: $ 5.00 each"	Source
Counter Checks : 1st 6 are free then
Cash & DepositVerified
Deposited Item Returned	$10Within the typical range ($10–$25 nationally)	$5 below the national median	per item	Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=deposited_item_return; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Deposited Item Returned: $ 10.00 per item"	Source
Account ServicesVerified
Garnishments	$20Below the typical range ($30–$75 nationally)	$30 below the national median	—	Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=garnishment_levy; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="Garnishments : $20.00 per"	Source
Safe Deposit Box 10 x 10
Retirement & IRAVerified
IRA Trustee to Trustee Transfer Out	$25Within the typical range ($25–$35 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #4431. canonical_hint=ira_termination; text_hash=23944006afd4d30bc58d420a6b360894bad41abce7952a0c28fce8d461934e7e; excerpt="IRA Trustee to Trustee Transfer Out: $25.00 per"	Source

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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: $10

67% below the national median NSF fee

Total fees: 27

Headline fees published

11 of 15

Published fees

Under review

Assets

$616.1M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$616.1M

Total deposits

$548.8M

Service charge income

$129K

Fee income ratio

2.1%

Return on assets

1.15%

Branches

Service charge income by quarter

Q2 2026$129K

Q1 2026$131K

Q4 2025$128K

Q3 2025$130K

Financial profile · Pro

Performance from regulator filings

Returned NSF Fee (NSF = Non-Sufficient Funds)

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 28,880 verified fees from 2,290 institutions

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