Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community bank, $300M to $1B

First Nations Bank

Chicago, IllinoisBankChicago Fed districtFees collected Mar 11, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Bank Account Reconciliation or Research$30Above the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #3555. canonical_hint=account_research; text_hash=eb654b41860c4d246cbf37fac5981078535ea080bf0c71f55efde8ad5cca434f; excerpt="Bank Account Reconciliation or Research | $30.00 per hour (One hour minimum charge)" · Source

Dormant Account Fee An account is considered dormant after 24 months of no activity$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #3555. canonical_hint=dormant_account; text_hash=eb654b41860c4d246cbf37fac5981078535ea080bf0c71f55efde8ad5cca434f; excerpt="Dormant Account Fee An account is considered dormant after 24 months of no activity | $5.00 per month" · Source

Overdraft & NSFVerified

each time an overdraft item occurs for items over$50Above the typical range ($20–$30 nationally)
$21 above the national median
Knox deterministic extraction from Rosetta artifact #3555. canonical_hint=overdraft; text_hash=eb654b41860c4d246cbf37fac5981078535ea080bf0c71f55efde8ad5cca434f; excerpt="We will charge a fee of $35.00 each time an overdraft item occurs for items over $50.00." · Source
NSF Return Item Fee$35Above the typical range ($25–$32 nationally)
$6 above the national median
per item · Knox deterministic extraction from Rosetta artifact #3555. canonical_hint=nsf; text_hash=eb654b41860c4d246cbf37fac5981078535ea080bf0c71f55efde8ad5cca434f; excerpt="NSF Return Item Fee | $35.00 per presentment**" · Source
Overdraft Fee$35Above the typical range ($20–$30 nationally)
$6 above the national median
per item · Knox deterministic extraction from Rosetta artifact #3555. canonical_hint=overdraft; text_hash=eb654b41860c4d246cbf37fac5981078535ea080bf0c71f55efde8ad5cca434f; excerpt="Overdraft Fee | $35.00 per presentment**" · Source

ATM & CardVerified

Expedited Card or PIN$75Above the typical range ($30–$50 nationally)
$35 above the national median
Knox deterministic extraction from Rosetta artifact #3555. canonical_hint=rush_card; text_hash=eb654b41860c4d246cbf37fac5981078535ea080bf0c71f55efde8ad5cca434f; excerpt="Expedited Card or PIN | $75.00" · Source
Replacement Card$20Above the typical range ($5–$10 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #3555. canonical_hint=card_replacement; text_hash=eb654b41860c4d246cbf37fac5981078535ea080bf0c71f55efde8ad5cca434f; excerpt="Replacement Card | $20.00" · Source

Wire TransfersVerified

Wire Transfers (Incoming) Domestic$10Within the typical range ($7.50–$15 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3555. canonical_hint=wire_domestic_incoming; text_hash=eb654b41860c4d246cbf37fac5981078535ea080bf0c71f55efde8ad5cca434f; excerpt="Wire Transfers (Incoming) Domestic | $10.00" · Source
Wire Transfers (Outgoing) Domestic$25Within the typical range ($20–$25 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #3555. canonical_hint=wire_domestic_outgoing; text_hash=eb654b41860c4d246cbf37fac5981078535ea080bf0c71f55efde8ad5cca434f; excerpt="Wire Transfers (Outgoing) Domestic | $25.00" · Source

Check ServicesVerified

Cashier's Check – Non Customer (subject to approval)$15Above the typical range ($3–$6 nationally)
$10 above the national median
per item · Knox deterministic extraction from Rosetta artifact #3555. canonical_hint=cashiers_check; text_hash=eb654b41860c4d246cbf37fac5981078535ea080bf0c71f55efde8ad5cca434f; excerpt="Cashier's Check – Non Customer (subject to approval) | $15.00 per check" · Source
Check Cashing – Non Customer (subject to approval)$3Below the typical range ($5–$10 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #3555. canonical_hint=check_cashing; text_hash=eb654b41860c4d246cbf37fac5981078535ea080bf0c71f55efde8ad5cca434f; excerpt="Check Cashing – Non Customer (subject to approval) | $3.00 per $100" · Source
Copy of Check$0Below the typical range ($2–$5 nationally)
$3 below the national median
Knox read a free fee from Rosetta artifact #3555. canonical_hint=check_image; text_hash=eb654b41860c4d246cbf37fac5981078535ea080bf0c71f55efde8ad5cca434f; excerpt="Copy of Check | FREE" · Source
Stop Payment (per check or item)$30Within the typical range ($20–$30 nationally)
$3 above the national median
per item · Knox deterministic extraction from Rosetta artifact #3555. canonical_hint=stop_payment; text_hash=eb654b41860c4d246cbf37fac5981078535ea080bf0c71f55efde8ad5cca434f; excerpt="Stop Payment (per check or item) | $30.00" · Source

Digital & ElectronicVerified

Mobile Deposit$0Within the typical range ($0–$1 nationally)
At the national median
Knox read a free fee from Rosetta artifact #3555. canonical_hint=mobile_deposit; text_hash=eb654b41860c4d246cbf37fac5981078535ea080bf0c71f55efde8ad5cca434f; excerpt="Mobile Deposit | FREE" · Source

Account ServicesVerified

Notary Fee$0Within the typical range ($0–$5 nationally)
$2.50 below the national median
Knox read a free fee from Rosetta artifact #3555. canonical_hint=notary_fee; text_hash=eb654b41860c4d246cbf37fac5981078535ea080bf0c71f55efde8ad5cca434f; excerpt="Notary Fee | FREE" · Source

Lending FeesVerified

Late Fee$10Below the typical range ($15–$27 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #3555. canonical_hint=late_payment; text_hash=eb654b41860c4d246cbf37fac5981078535ea080bf0c71f55efde8ad5cca434f; excerpt="Late Fee | $10.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Bank Account Reconciliation or Research	$30Above the typical range ($15–$25 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #3555. canonical_hint=account_research; text_hash=eb654b41860c4d246cbf37fac5981078535ea080bf0c71f55efde8ad5cca434f; excerpt="Bank Account Reconciliation or Research \| $30.00 per hour (One hour minimum charge)"	Source
Dormant Account Fee An account is considered dormant after 24 months of no activity	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #3555. canonical_hint=dormant_account; text_hash=eb654b41860c4d246cbf37fac5981078535ea080bf0c71f55efde8ad5cca434f; excerpt="Dormant Account Fee An account is considered dormant after 24 months of no activity \| $5.00 per month"	Source
Overdraft & NSFVerified
each time an overdraft item occurs for items over	$50Above the typical range ($20–$30 nationally)	$21 above the national median	—	Knox deterministic extraction from Rosetta artifact #3555. canonical_hint=overdraft; text_hash=eb654b41860c4d246cbf37fac5981078535ea080bf0c71f55efde8ad5cca434f; excerpt="We will charge a fee of $35.00 each time an overdraft item occurs for items over $50.00."	Source

ATM & CardVerified
Expedited Card or PIN	$75Above the typical range ($30–$50 nationally)	$35 above the national median	—	Knox deterministic extraction from Rosetta artifact #3555. canonical_hint=rush_card; text_hash=eb654b41860c4d246cbf37fac5981078535ea080bf0c71f55efde8ad5cca434f; excerpt="Expedited Card or PIN \| $75.00"	Source
Replacement Card	$20
Wire TransfersVerified
Wire Transfers (Incoming) Domestic	$10Within the typical range ($7.50–$15 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #3555. canonical_hint=wire_domestic_incoming; text_hash=eb654b41860c4d246cbf37fac5981078535ea080bf0c71f55efde8ad5cca434f; excerpt="Wire Transfers (Incoming) Domestic \| $10.00"	Source
Wire Transfers (Outgoing) Domestic
Check ServicesVerified
Cashier's Check – Non Customer (subject to approval)	$15Above the typical range ($3–$6 nationally)	$10 above the national median	per item	Knox deterministic extraction from Rosetta artifact #3555. canonical_hint=cashiers_check; text_hash=eb654b41860c4d246cbf37fac5981078535ea080bf0c71f55efde8ad5cca434f; excerpt="Cashier's Check – Non Customer (subject to approval) \| $15.00 per check"	Source

Digital & ElectronicVerified
Mobile Deposit	$0Within the typical range ($0–$1 nationally)	At the national median	—	Knox read a free fee from Rosetta artifact #3555. canonical_hint=mobile_deposit; text_hash=eb654b41860c4d246cbf37fac5981078535ea080bf0c71f55efde8ad5cca434f; excerpt="Mobile Deposit \| FREE"	Source
Account ServicesVerified
Notary Fee	$0Within the typical range ($0–$5 nationally)	$2.50 below the national median	—	Knox read a free fee from Rosetta artifact #3555. canonical_hint=notary_fee; text_hash=eb654b41860c4d246cbf37fac5981078535ea080bf0c71f55efde8ad5cca434f; excerpt="Notary Fee \| FREE"	Source
Lending FeesVerified
Late Fee	$10Below the typical range ($15–$27 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #3555. canonical_hint=late_payment; text_hash=eb654b41860c4d246cbf37fac5981078535ea080bf0c71f55efde8ad5cca434f; excerpt="Late Fee \| $10.00"	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.

Overdraft

$50

Overdraft fee: $50

72% above the national median overdraft fee

Total fees: 16 — leaner than most institutions

Verified fees

Under review

Assets

$536.6M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$536.6M

Total deposits

$440.6M

Service charge income

$24K

Fee income ratio

0.55%

Return on assets

1.14%

Branches

Service charge income by quarter

Q2 2026$24K

Q1 2026$18K

Q4 2025$19K

Q3 2025$16K

Financial profile · Pro

Performance from regulator filings

Check Cashing – Non Customer (subject to approval)

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

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 21,453 verified fees from 2,141 institutions

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