Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, $300M to $1B

Citizens National Bank of Cheboygan

Cheboygan, MichiganBankChicago Fed districtFees collected Oct 5, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Research/Reconciliation (per hour)$25Within the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Overdraft Fee$35Above the typical range ($25–$32 nationally)
$5 above the national median
Source
Returned Item Fee$35Above the typical range ($25–$31.50 nationally)
$5 above the national median
Source

ATM & CardVerified

ATM Transaction Fee (performed by ATMs not owned by CNB)$1.50Within the typical range ($1–$2.50 nationally)
$0.25 below the national median
Source
ATM/Debit Card Replacement$5Within the typical range ($5–$10 nationally)
$5 below the national median
Source

Wire TransfersVerified

Domestic Outgoing Wire$25Within the typical range ($20–$25 nationally)
At the national median
Source
Incoming Wire$0Below the typical range ($5–$15 nationally)
$10 below the national median
Source

Check ServicesVerified

Cashier's Checks: Customer$4Within the typical range ($3–$5.50 nationally)
$1 below the national median
Source
Personal Money Orders: Customer$3Within the typical range ($1.75–$3 nationally)
$1 above the national median
Source
Stop Payment Item Fee (each)$35Above the typical range ($20–$30 nationally)
$9 above the national median
Source

Account ServicesVerified

Garnishment/Tax Levy$50Within the typical range ($30–$75 nationally)
At the national median
Source
Notary (Customer)$0Within the typical range ($0–$5 nationally)
$2.50 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research/Reconciliation (per hour)	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Overdraft & NSFVerified
Overdraft Fee	$35Above the typical range ($25–$32 nationally)	$5 above the national median	—	—	Source
Returned Item Fee	$35
ATM & CardVerified
ATM Transaction Fee (performed by ATMs not owned by CNB)	$1.50Within the typical range ($1–$2.50 nationally)	$0.25 below the national median	—	—	Source
ATM/Debit Card Replacement	$5
Wire TransfersVerified
Domestic Outgoing Wire	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Incoming Wire	$0
Check ServicesVerified
Cashier's Checks: Customer	$4Within the typical range ($3–$5.50 nationally)	$1 below the national median	—	—	Source
Personal Money Orders: Customer	$3
Cash & DepositVerified
Chargeback Fee (items returned unpaid)	$7.50Below the typical range ($10–$25 nationally)	$7.50 below the national median	—	—	Source
Account ServicesVerified
Garnishment/Tax Levy	$50Within the typical range ($30–$75 nationally)	At the national median	—	—	Source
Notary (Customer)	$0
Gift & Prepaid CardsVerified
Prepaid Gift Cards	$5Above the typical range ($3–$4.50 nationally)	$1.50 above the national median	—	—	Source

Fee change alerts

Get an email when Citizens National Bank of Cheboygan changes a fee

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Work at Citizens National Bank of Cheboygan? Request a report against local competitors

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

$35

Overdraft fee: $35

17% above the national median overdraft fee

Total fees: 14 — leaner than most institutions

Headline fees published

9 of 15

Published fees

Under review

Assets

$471.0M

Work at Citizens National Bank of Cheboygan? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. Priced on request: we reply within one business day with scope and price.

Request the report Correct or add a fee source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$471.0M

Total deposits

$435.8M

Service charge income

$137K

Fee income ratio

2.7%

Return on assets

0.74%

Branches

Service charge income by quarter

Q2 2026$137K

Q1 2026$131K

Q4 2025$154K

Q3 2025$153K

Financial profile · Pro

Performance from regulator filings

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

Unlock all 61 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 37,727 published fee entries from 2,634 institutions

See pricing