17 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 15, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $5, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Kentucky, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Amounts from West Point Bank’s own schedules, with a source for each figure.
per month
per month
per month
per month
per month
per hour
per year
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Now Account Service charge | $10 | per month | None |
| Premium Checking Monthly service charge | $5 | per month | None |
| Service charge | $3 | per month | None |
| Service charge (daily balance on any day of the month falls below $25,000.00) | $25 | per month | None |
| Dormant Fee (Checking Accounts Only, Monthly Fee) | $10 | per month | None |
| Account Record Research Fee; research charge (per hour-one hour minimum; this fee is in addition to the per item charge) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Item Charge (per item) | $26.50 | per item | None |
| Return Item Charge (per item) | $26.50 | per item | None |
| Daily Overdraft Charge; (All Checking Accounts) | $6 | per day | None |
ATM & Card | |||
| ATM Service Charge (transactions not at West Point Bank or affiliates) | $1.50 | Not stated | None |
| ATM/Debit Card Replacement Fee | $12 | Not stated | None |
| ATM/Debit Card -International (audience not stated, treated as personal) | 1% | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fee Outgoing- Domestic (Customer Only) | $20 | Not stated | None |
| Wire Transfer Fee Outgoing- International (Customer Only) | $50 | Not stated | None |
Check Services | |||
| Cashier's Check - (Customer Only) | $2 | Not stated | None |
| Stop Payment Charge (if amount, payee and check number given) | $25 | Not stated | None |
| Stop Payment Charge (incomplete information) | $50 | Not stated | None |
| Counter Check Fee (Per Printed Page) | $1 | Not stated | None |
Digital & Electronic | |||
| Online Banking and Bill Payment | No charge | Not stated | None |
Account Services | |||
| Notary Service | No charge | Not stated | None |
| Drill and Replace lock on Safe Deposit Box/Self-Storage Box | $50Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box fee (annually) 10X10 | $50 | per year | None |
| Safe Deposit Box fee (annually) 3X10 | $24 | per year | None |
| Safe Deposit Box fee (annually) 3X5 | $12 | per year | None |
| Safe Deposit Box fee (annually) 5X10 | $30 | per year | None |
| Safe Deposit Box fee (annually) 5X5 | $15 | per year | None |
| Safe Deposit Box/Self-Storage Box; Lost Key(1) | $10Not compared: Box drilling or key fee | Not stated | None |
| Self-Storage Box 3X10 (annually)-Elizabethtown Branch Only | $24 | per year | None |
| Tax Levy/Garnishment Fee (amount determined by levy/garnishment- maximum of $75.00) | $75 | 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
Oct 15, 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
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