Central State Bank

Headquarters: State Center, Iowa
Charter: Bank
Assets: $557.8M
Fed district: Chicago

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 18, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Central State Bank: $25
Central State Bank: $25
U.S. median: no median
NSF / Returned Item
Central State Bank: $25
Central State Bank: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Central State Bank: $25
Central State Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Iowa, the Chicago 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).
Iowa: Banks and credit unions headquartered in Iowa that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 Central State Bank’s own schedules, with a source for each figure.

Account Maintenance

Account Closing Fee If an account is closed within 60 days of opening$25
Dormant Account$25
Not compared: Annual charge, not monthly
per year
Account research per hour$10
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail$5

Overdraft & NSF

Overdraft Charge - per item$25
per item
Non sufficient funds (NSF) – per presentment$25
per item
Overdraft protection per transfer$5
per item

ATM & Card

Debit/ATM Replacement Card$17

Wire Transfers

Wire Transfers Outgoing$25
Wire Transfers Incoming$7.50

Check Services

Cashier’s check per item$3
per item
Money orders per item$2
per item
Stop payments per item$25
per item
Copy of Statement Check Images or Other Items$2

Cash & Deposit

Coin counting10%($2 minimum)
Coin counting (audience not stated, treated as personal)10%($2 minimum)

Account Services

Notary Fee (non-customer)$5
Safe Deposit Box 10 x 10$45
Safe Deposit Box 3 x 10$25
Safe Deposit Box 5 x 10$30
Safe Deposit Box 5 x 5$17
per year
Garnishments per item$25
per item
Levies per item$25
per item
Bank Account Verification$10

Other Fees

Copy of Statement$10

Fee	Amount	Basis	Note
Account Maintenance
Account Closing Fee If an account is closed within 60 days of opening	$25	Not stated	None
Dormant Account	$25Not compared: Annual charge, not monthly	per year	None
Account research per hour	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail	$5	Not stated	None
Overdraft & NSF
Overdraft Charge - per item	$25	per item	None
Non sufficient funds (NSF) – per presentment	$25	per item	None
Overdraft protection per transfer	$5	per item	None
ATM & Card
Debit/ATM Replacement Card	$17	Not stated	None
Wire Transfers
Wire Transfers Outgoing	$25	Not stated	None
Wire Transfers Incoming	$7.50	Not stated	None
Check Services
Cashier’s check per item	$3	per item	None
Money orders per item	$2	per item	None
Stop payments per item	$25	per item	None
Copy of Statement Check Images or Other Items	$2	Not stated	None
Cash & Deposit
Coin counting	10%($2 minimum)	Not stated	None
Coin counting (audience not stated, treated as personal)	10%($2 minimum)	Not stated	None
Account Services
Notary Fee (non-customer)	$5	Not stated	None
Safe Deposit Box 10 x 10	$45	Not stated	None
Safe Deposit Box 3 x 10	$25	Not stated	None
Safe Deposit Box 5 x 10	$30	Not stated	None
Safe Deposit Box 5 x 5	$17	per year	None
Garnishments per item	$25	per item	None
Levies per item	$25	per item	None
Bank Account Verification	$10	Not stated	None
Other Fees
Copy of Statement	$10	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

Oct 18, 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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