First Nations Bank

Headquarters: Chicago, Illinois
Charter: Bank
Assets: $536.6M
Fed district: Chicago

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

Source: its fee schedule, read Oct 25, 2026.

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Fees against the market

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

Overdraft (OD)
First Nations Bank: $35
First Nations Bank: $35
U.S. median: no median
NSF / Returned Item
First Nations Bank: $35
First Nations Bank: $35
U.S. median: no median
Wire Transfer (Domestic Out)
First Nations Bank: $25
First Nations Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 25, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Illinois, 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).
Illinois: Banks and credit unions headquartered in Illinois 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 First Nations Bank’s own schedules, with a source for each figure.

Account Maintenance

Closed Account (within 6 months of account opening)$25
Dormant Account Fee An account is considered dormant after 24 months of no activity$5
per month
Bank Account Reconciliation or Research$30
Not compared: Charged per hour; comparison unavailable
per hour · Bank Account Reconciliation or Research | $30.00 per hour (One hour minimum charge)

Overdraft & NSF

Overdraft Fee$35
per item
NSF Return Item Fee$35
per item

ATM & Card

Replacement Card$20
Expedited Card or PIN$75

Wire Transfers

Wire Transfers (Outgoing) Domestic$25
Wire Transfers (Incoming) Domestic$10
Wire Transfers (Outgoing) Foreign$50
Wire Transfers (Incoming) Foreign$10

Check Services

Cashier's Check – Customer$5
per item
Cashier's Check – Non Customer (subject to approval)$15
per item
Money Order – Customer ($1,000 maximum)$3
per item
Stop Payment (per check or item)$30
per item
Check Cashing – Non Customer (subject to approval)$3
Collection Fee$30
Copy of CheckNo charge

Digital & Electronic

Bill PaymentNo charge
Mobile DepositNo charge

Account Services

Notary FeeNo charge
Drilling Fee & Key Replacement$50
Not compared: Box drilling or key fee
Late Fee$10
Not compared: Box drilling or key fee
Safe Deposit Box 10x10$150
Safe Deposit Box 3x10$50
Safe Deposit Box 5x10$75
Safe Deposit Box 5x5$45
Garnishments/Levies$150
Subpoenas$150

Retirement & IRA

IRA Transfer (to another bank)$25

Other Fees

Bank Statement Reproduction$5
Not compared: Charged per statement; comparison unavailable
per statement · Bank Statement Reproduction | $5.00 per statement

Fee	Amount	Basis	Note
Account Maintenance
Closed Account (within 6 months of account opening)	$25	Not stated	None
Dormant Account Fee An account is considered dormant after 24 months of no activity	$5	per month	None
Bank Account Reconciliation or Research	$30Not compared: Charged per hour; comparison unavailable	per hour	Bank Account Reconciliation or Research \| $30.00 per hour (One hour minimum charge)
Overdraft & NSF
Overdraft Fee	$35	per item	None
NSF Return Item Fee	$35	per item	None
ATM & Card
Replacement Card	$20	Not stated	None
Expedited Card or PIN	$75	Not stated	None
Wire Transfers
Wire Transfers (Outgoing) Domestic	$25	Not stated	None
Wire Transfers (Incoming) Domestic	$10	Not stated	None
Wire Transfers (Outgoing) Foreign	$50	Not stated	None
Wire Transfers (Incoming) Foreign	$10	Not stated	None
Check Services
Cashier's Check – Customer	$5	per item	None
Cashier's Check – Non Customer (subject to approval)	$15	per item	None
Money Order – Customer ($1,000 maximum)	$3	per item	None
Stop Payment (per check or item)	$30	per item	None
Check Cashing – Non Customer (subject to approval)	$3	Not stated	None
Collection Fee	$30	Not stated	None
Copy of Check	No charge	Not stated	None
Digital & Electronic
Bill Payment	No charge	Not stated	None
Mobile Deposit	No charge	Not stated	None
Account Services
Notary Fee	No charge	Not stated	None
Drilling Fee & Key Replacement	$50Not compared: Box drilling or key fee	Not stated	None
Late Fee	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10	$150	Not stated	None
Safe Deposit Box 3x10	$50	Not stated	None
Safe Deposit Box 5x10	$75	Not stated	None
Safe Deposit Box 5x5	$45	Not stated	None
Garnishments/Levies	$150	Not stated	None
Subpoenas	$150	Not stated	None
Retirement & IRA
IRA Transfer (to another bank)	$25	Not stated	None
Other Fees
Bank Statement Reproduction	$5Not compared: Charged per statement; comparison unavailable	per statement	Bank Statement Reproduction \| $5.00 per statement

Correct a fee source

Oct 25, 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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