Central State Bank Fees: Overdraft $25, NSF $25 (2026)

Overdraft & NSFVerified

Non sufficient funds (NSF) – per presentment (A fee will be imposed for overdrafts created by checks, ACH, in-person wit$25Within the typical range ($25–$32 nationally)
$4 below the national median
per item · Knox deterministic extraction from Rosetta artifact #3057. canonical_hint=nsf; text_hash=0ad8c94f7d4fb0de971d5c96dfbbe87b8f208f2e13614eff2b10b32d70b30dab; excerpt="Non sufficient funds (NSF) – per presentment (A fee will be imposed for overdrafts created by checks, ACH, in-person withdrawals, or by other electronic means.) | $25.00" · Source
Overdraft Charge - per item (A fee will be imposed for overdrafts created by checks, ACH, in-person withdrawals, or by o$25Within the typical range ($20–$30 nationally)
$4 below the national median
per item · Knox deterministic extraction from Rosetta artifact #3057. canonical_hint=overdraft; text_hash=0ad8c94f7d4fb0de971d5c96dfbbe87b8f208f2e13614eff2b10b32d70b30dab; excerpt="Overdraft Charge - per item (A fee will be imposed for overdrafts created by checks, ACH, in-person withdrawals, or by other electronic means.) | $25.00" · Source
Overdraft protection per transfer$5Within the typical range ($2.50–$5 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3057. canonical_hint=od_protection_transfer; text_hash=0ad8c94f7d4fb0de971d5c96dfbbe87b8f208f2e13614eff2b10b32d70b30dab; excerpt="Overdraft protection per transfer | $5.00 per transfer" · Source

Wire TransfersVerified

Wire Transfers Incoming$7.50Within the typical range ($7.50–$15 nationally)
$2.50 below the national median
Knox deterministic extraction from Rosetta artifact #3057. canonical_hint=wire_domestic_incoming; text_hash=0ad8c94f7d4fb0de971d5c96dfbbe87b8f208f2e13614eff2b10b32d70b30dab; excerpt="Wire Transfers Incoming | $7.50" · Source
Wire Transfers Outgoing$25Within the typical range ($20–$25 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #3057. canonical_hint=wire_domestic_outgoing; text_hash=0ad8c94f7d4fb0de971d5c96dfbbe87b8f208f2e13614eff2b10b32d70b30dab; excerpt="Wire Transfers Outgoing | $25.00" · Source

Check ServicesVerified

Cashier’s check per item$3Within the typical range ($3–$6 nationally)
$2 below the national median
per item · Knox deterministic extraction from Rosetta artifact #3057. canonical_hint=cashiers_check; text_hash=0ad8c94f7d4fb0de971d5c96dfbbe87b8f208f2e13614eff2b10b32d70b30dab; excerpt="Cashier’s check per item | $3.00" · Source
Money orders per item$2Within the typical range ($2–$3.50 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #1355. canonical_hint=money_order; text_hash=7bbd4b325456e214283c2c7b401f3f8ac1bc526a8727d0a4d7142feca82fa901; excerpt="Money orders per item / $2.00" · Source
Stop payments per item$25Within the typical range ($20–$30 nationally)
$2 below the national median
per item · Knox deterministic extraction from Rosetta artifact #1355. canonical_hint=stop_payment; text_hash=7bbd4b325456e214283c2c7b401f3f8ac1bc526a8727d0a4d7142feca82fa901; excerpt="Stop payments per item* / $25.00" · Source

Account ServicesVerified

10 x 10$45Within the typical range ($25–$80 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #1355. canonical_hint=safe_deposit_box; text_hash=7bbd4b325456e214283c2c7b401f3f8ac1bc526a8727d0a4d7142feca82fa901; excerpt="10 x 10 / $45.00" · Source
3 x 10$25Within the typical range ($25–$80 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #1355. canonical_hint=safe_deposit_box; text_hash=7bbd4b325456e214283c2c7b401f3f8ac1bc526a8727d0a4d7142feca82fa901; excerpt="3 x 10 / $25.00" · Source
5 x 10$30Within the typical range ($25–$80 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #1355. canonical_hint=safe_deposit_box; text_hash=7bbd4b325456e214283c2c7b401f3f8ac1bc526a8727d0a4d7142feca82fa901; excerpt="5 x 10 / $30.00" · Source
5 x 5$17Below the typical range ($25–$80 nationally)
$23 below the national median
Knox deterministic extraction from Rosetta artifact #1355. canonical_hint=safe_deposit_box; text_hash=7bbd4b325456e214283c2c7b401f3f8ac1bc526a8727d0a4d7142feca82fa901; excerpt="5 x 5 / $17.00" · Source
Bank Account Verification$10Within the typical range ($5–$16.13 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3057. canonical_hint=account_verification; text_hash=0ad8c94f7d4fb0de971d5c96dfbbe87b8f208f2e13614eff2b10b32d70b30dab; excerpt="Bank Account Verification | $10.00" · Source
Garnishments per item$25Within the typical range ($25–$75 nationally)
$25 below the national median
per item · Knox deterministic extraction from Rosetta artifact #1355. canonical_hint=garnishment_levy; text_hash=7bbd4b325456e214283c2c7b401f3f8ac1bc526a8727d0a4d7142feca82fa901; excerpt="Garnishments per item / $25.00" · Source
Notary Fee (non-customer)$5Within the typical range ($0–$5 nationally)
$2.50 above the national median
Knox deterministic extraction from Rosetta artifact #3057. canonical_hint=notary_fee; text_hash=0ad8c94f7d4fb0de971d5c96dfbbe87b8f208f2e13614eff2b10b32d70b30dab; excerpt="Notary Fee (non-customer) | $5.00" · Source

Other FeesVerified

Copy of Statement$10Above the typical range ($2–$5 nationally)
$7 above the national median
Knox deterministic extraction from Rosetta artifact #1355. canonical_hint=document_reproduction; text_hash=7bbd4b325456e214283c2c7b401f3f8ac1bc526a8727d0a4d7142feca82fa901; excerpt="Copy of Statement / $10.00" · Source
Copy of Statement Check Images or Other Items$2Within the typical range ($2–$5 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #1355. canonical_hint=document_reproduction; text_hash=7bbd4b325456e214283c2c7b401f3f8ac1bc526a8727d0a4d7142feca82fa901; excerpt="Copy of Statement Check Images or Other Items / $2.00" · Source
Photocopy per item$0.25Below the typical range ($2–$5 nationally)
$2.75 below the national median
per item · Knox deterministic extraction from Rosetta artifact #1355. canonical_hint=document_reproduction; text_hash=7bbd4b325456e214283c2c7b401f3f8ac1bc526a8727d0a4d7142feca82fa901; excerpt="Photocopy per item / $0.25" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Closing Fee If an account is closed within 60 days of opening	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #3057. canonical_hint=early_closure; text_hash=0ad8c94f7d4fb0de971d5c96dfbbe87b8f208f2e13614eff2b10b32d70b30dab; excerpt="Account Closing Fee If an account is closed within 60 days of opening \| $25.00"	Source
Returned Mail	$5Below the typical range ($15–$25 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #1355. canonical_hint=account_research; text_hash=7bbd4b325456e214283c2c7b401f3f8ac1bc526a8727d0a4d7142feca82fa901; excerpt="Returned Mail / $5.00"	Source
Overdraft & NSFVerified
Non sufficient funds (NSF) – per presentment (A fee will be imposed for overdrafts created by checks, ACH, in-person wit	$25Within the typical range ($25–$32 nationally)	$4 below the national median	per item	Knox deterministic extraction from Rosetta artifact #3057. canonical_hint=nsf; text_hash=0ad8c94f7d4fb0de971d5c96dfbbe87b8f208f2e13614eff2b10b32d70b30dab; excerpt="Non sufficient funds (NSF) – per presentment (A fee will be imposed for overdrafts created by checks, ACH, in-person withdrawals, or by other electronic means.) \| $25.00"	Source
ATM & CardVerified
Debit/ATM Replacement Card	$17Above the typical range ($5–$10 nationally)	$7 above the national median	—	Knox deterministic extraction from Rosetta artifact #1355. canonical_hint=card_replacement; text_hash=7bbd4b325456e214283c2c7b401f3f8ac1bc526a8727d0a4d7142feca82fa901; excerpt="Debit/ATM Replacement Card* / $17.00"	Source
Wire TransfersVerified
Wire Transfers Incoming	$7.50Within the typical range ($7.50–$15 nationally)	$2.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #3057. canonical_hint=wire_domestic_incoming; text_hash=0ad8c94f7d4fb0de971d5c96dfbbe87b8f208f2e13614eff2b10b32d70b30dab; excerpt="Wire Transfers Incoming \| $7.50"	Source
Wire Transfers Outgoing
Check ServicesVerified
Cashier’s check per item	$3Within the typical range ($3–$6 nationally)	$2 below the national median	per item	Knox deterministic extraction from Rosetta artifact #3057. canonical_hint=cashiers_check; text_hash=0ad8c94f7d4fb0de971d5c96dfbbe87b8f208f2e13614eff2b10b32d70b30dab; excerpt="Cashier’s check per item \| $3.00"	Source
Money orders per item
Account ServicesVerified
10 x 10	$45Within the typical range ($25–$80 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #1355. canonical_hint=safe_deposit_box; text_hash=7bbd4b325456e214283c2c7b401f3f8ac1bc526a8727d0a4d7142feca82fa901; excerpt="10 x 10 / $45.00"	Source
3 x 10	$25
Other FeesVerified
Copy of Statement	$10Above the typical range ($2–$5 nationally)	$7 above the national median	—	Knox deterministic extraction from Rosetta artifact #1355. canonical_hint=document_reproduction; text_hash=7bbd4b325456e214283c2c7b401f3f8ac1bc526a8727d0a4d7142feca82fa901; excerpt="Copy of Statement / $10.00"	Source
Copy of Statement Check Images or Other Items

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$557.8M

Total deposits

$465.9M

Service charge income

$12K

Fee income ratio

0.38%

Return on assets

0.87%

Branches

Service charge income by quarter

Q2 2026$12K

Q1 2026$11K

Q4 2025$13K

Q3 2025$13K

Central State Bank

Published fees

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How the headline fees compare

Size and fee revenue

Performance from regulator filings

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