First Citizens State Bank

Headquarters: Whitewater, Wisconsin
Charter: Bank
Assets: $525.2M
Fed district: Chicago

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

Source: its fee schedule, read Oct 10, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
First Citizens State Bank: $25
First Citizens State Bank: $25
U.S. median: no median
Non-Network ATM
First Citizens State Bank: $5
First Citizens State Bank: $5
U.S. median: no median
Wire Transfer (Domestic Out)
First Citizens State Bank: $30
First Citizens State Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Wisconsin, 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).
Wisconsin: Banks and credit unions headquartered in Wisconsin 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from First Citizens State Bank’s own schedules, with a source for each figure.

Account Maintenance

Maintenance fee (balance falls below $1,000)$6
per month
Maintenance fee (balance falls below $1,500)$7
per month
Early Account Closing (within 90 days of opening)$15
Reconciling Bank Statement (For 3 Previous Months)No charge
Reconciling Bank Statement Additional Months (Per Hour)$15
Not compared: Charged per hour; comparison unavailable
per hour · Reconciling Bank Statement Additional Months (Per Hour) | $15.00
Printed Statements Available for a monthly$3
per month
Undeliverable Mail - applied monthly after two months$5
per month

Overdraft & NSF

Overdraft Fee$25

ATM & Card

Reissued ATM Cash Card or Check Card (Debit Card)$5

Wire Transfers

Wire Transfers: Outgoing Domestic$30
Wire Transfers: Incoming Domestic$15
Wire Transfers: Outgoing International$50
Wire Transfers: Incoming International$20

Check Services

Cashier's Check$3
Personal Money Order$2.50
Stop Payment$25
Counter Check$1
Canadian Item Deposited$5
Check Copies (per copy)$3
per item

Digital & Electronic

Online Bill PayNo charge

Account Services

Legal Process Affecting an Account (Attachment, Garnishment, Levy, etc.)$50

Lending Fees

Late fee (audience not stated, treated as personal)1.5%

Other Fees

Statement Copies (per copy)$3
per item

Fee	Amount	Basis	Note
Account Maintenance
Maintenance fee (balance falls below $1,000)	$6	per month	None
Maintenance fee (balance falls below $1,500)	$7	per month	None
Early Account Closing (within 90 days of opening)	$15	Not stated	None
Reconciling Bank Statement (For 3 Previous Months)	No charge	Not stated	None
Reconciling Bank Statement Additional Months (Per Hour)	$15Not compared: Charged per hour; comparison unavailable	per hour	Reconciling Bank Statement Additional Months (Per Hour) \| $15.00
Printed Statements Available for a monthly	$3	per month	None
Undeliverable Mail - applied monthly after two months	$5	per month	None
Overdraft & NSF
Overdraft Fee	$25	Not stated	None
ATM & Card
Reissued ATM Cash Card or Check Card (Debit Card)	$5	Not stated	None
Wire Transfers
Wire Transfers: Outgoing Domestic	$30	Not stated	None
Wire Transfers: Incoming Domestic	$15	Not stated	None
Wire Transfers: Outgoing International	$50	Not stated	None
Wire Transfers: Incoming International	$20	Not stated	None
Check Services
Cashier's Check	$3	Not stated	None
Personal Money Order	$2.50	Not stated	None
Stop Payment	$25	Not stated	None
Counter Check	$1	Not stated	None
Canadian Item Deposited	$5	Not stated	None
Check Copies (per copy)	$3	per item	None
Digital & Electronic
Online Bill Pay	No charge	Not stated	None
Account Services
Legal Process Affecting an Account (Attachment, Garnishment, Levy, etc.)	$50	Not stated	None
Lending Fees
Late fee (audience not stated, treated as personal)	1.5%	Not stated	None
Other Fees
Statement Copies (per copy)	$3	per item	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 10, 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

Get an email when First Citizens State Bank's ach origination changes in our data

We check once a day and send one email covering every change.