Midwest Heritage Bank, FSB

Headquarters: West Des Moines, Iowa
Charter: Bank
Assets: $768.3M
Fed district: Chicago

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

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

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

Overdraft (OD)
Midwest Heritage Bank, FSB: $27
Midwest Heritage Bank, FSB: $27
U.S. median: no median
NSF / Returned Item
Midwest Heritage Bank, FSB: $27
Midwest Heritage Bank, FSB: $27
U.S. median: no median
Wire Transfer (Domestic Out)
Midwest Heritage Bank, FSB: $25
Midwest Heritage Bank, FSB: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

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

Account Maintenance

Account Closing (account closed within 90 days of opening)$25
Dormant Checking Account – 6 months no activity (“DORMANT FEE”)$5
per month
Dormant Savings or Money Market Account – 12 months no activity (“DORMANT FEE”)$5
per month
Account Research and Balancing$15
Not compared: Charged per hour; comparison unavailable
per hour
Undeliverable Mail$7.50
per month · Per envelope per month
Undeliverable Mail (“UNDELIVERABLE MAIL”)$7.50
per month

Overdraft & NSF

Overdraft Item Paid (“OD ITEM PAID FEE”)$27
per item
Nonsufficient Funds Item Returned (“NSF ITEM RETURN FEE”)$27
per item
Overdraft Transfer (Automatic Transfer from Savings)No charge

ATM & Card

Debit Card Replacement$15
per item
Debit Card or PIN Rush-Order$50
per item

Wire Transfers

Outgoing Domestic (to another U.S. financial institution; “OUTGOING WIRE”)$25
per item
Wire Transfer – Incoming Domestic (from another U.S. financial institution; “INCOMING WIRE”)$20
per item

Check Services

Cashier’s Check (Customers Only)$8
per item
Stop Payment (“STOP PAYMENT FEE”)$30
Collection Item (Incoming or Outgoing)$25
per item
Check Image Copy$5
per item

Digital & Electronic

Consumer Bill PaymentNo charge

Cash & Deposit

Coin Counting for Customer (audience not stated, treated as personal)10%
Returned Deposited Item Chargeback (“DEP ITEM RETURNED”)$10
per item

Account Services

Garnishment/Tax Levy/Legal Order (“LEGAL ORDER”)$100
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closing (account closed within 90 days of opening)	$25	Not stated	None
Dormant Checking Account – 6 months no activity (“DORMANT FEE”)	$5	per month	None
Dormant Savings or Money Market Account – 12 months no activity (“DORMANT FEE”)	$5	per month	None
Account Research and Balancing	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Undeliverable Mail	$7.50	per month	Per envelope per month
Undeliverable Mail (“UNDELIVERABLE MAIL”)	$7.50	per month	None
Overdraft & NSF
Overdraft Item Paid (“OD ITEM PAID FEE”)	$27	per item	None
Nonsufficient Funds Item Returned (“NSF ITEM RETURN FEE”)	$27	per item	None
Overdraft Transfer (Automatic Transfer from Savings)	No charge	Not stated	None
ATM & Card
Debit Card Replacement	$15	per item	None
Debit Card or PIN Rush-Order	$50	per item	None
Wire Transfers
Outgoing Domestic (to another U.S. financial institution; “OUTGOING WIRE”)	$25	per item	None
Wire Transfer – Incoming Domestic (from another U.S. financial institution; “INCOMING WIRE”)	$20	per item	None
Check Services
Cashier’s Check (Customers Only)	$8	per item	None
Stop Payment (“STOP PAYMENT FEE”)	$30	Not stated	None
Collection Item (Incoming or Outgoing)	$25	per item	None
Check Image Copy	$5	per item	None
Digital & Electronic
Consumer Bill Payment	No charge	Not stated	None
Cash & Deposit
Coin Counting for Customer (audience not stated, treated as personal)	10%	Not stated	None
Returned Deposited Item Chargeback (“DEP ITEM RETURNED”)	$10	per item	None
Account Services
Garnishment/Tax Levy/Legal Order (“LEGAL ORDER”)	$100	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

Account Maintenance

Monthly Maintenance Service Charge$10
per month
Monthly Maintenance Service Charge$5
per month
Paper Statement Fee$5
per month

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Service Charge	$10	per month	None
Monthly Maintenance Service Charge	$5	per month	None
Paper Statement Fee	$5	per month	None

Correct a fee source

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.

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Fees against the market

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

Overdraft (OD)
Midwest Heritage Bank, FSB: $27
Midwest Heritage Bank, FSB: $27
U.S. median: no median
NSF / Returned Item
Midwest Heritage Bank, FSB: $27
Midwest Heritage Bank, FSB: $27
U.S. median: no median
Wire Transfer (Domestic Out)
Midwest Heritage Bank, FSB: $25
Midwest Heritage Bank, FSB: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

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

Published fee schedule

Amounts from Midwest Heritage Bank, FSB’s own schedules, with a source for each figure.

Fee	Amount	Basis	Note
Account Maintenance
Account Closing (account closed within 90 days of opening)	$25	Not stated	None
Dormant Checking Account – 6 months no activity (“DORMANT FEE”)	$5	per month	None
Dormant Savings or Money Market Account – 12 months no activity (“DORMANT FEE”)	$5	per month	None
Account Research and Balancing	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Undeliverable Mail	$7.50	per month	Per envelope per month
Undeliverable Mail (“UNDELIVERABLE MAIL”)	$7.50	per month	None
Overdraft & NSF
Overdraft Item Paid (“OD ITEM PAID FEE”)	$27	per item	None
Nonsufficient Funds Item Returned (“NSF ITEM RETURN FEE”)	$27	per item	None
Overdraft Transfer (Automatic Transfer from Savings)	No charge	Not stated	None
ATM & Card
Debit Card Replacement	$15	per item	None
Debit Card or PIN Rush-Order	$50	per item	None
Wire Transfers
Outgoing Domestic (to another U.S. financial institution; “OUTGOING WIRE”)	$25	per item	None
Wire Transfer – Incoming Domestic (from another U.S. financial institution; “INCOMING WIRE”)	$20	per item	None
Check Services
Cashier’s Check (Customers Only)	$8	per item	None
Stop Payment (“STOP PAYMENT FEE”)	$30	Not stated	None
Collection Item (Incoming or Outgoing)	$25	per item	None
Check Image Copy	$5	per item	None
Digital & Electronic
Consumer Bill Payment	No charge	Not stated	None
Cash & Deposit
Coin Counting for Customer (audience not stated, treated as personal)	10%	Not stated	None
Returned Deposited Item Chargeback (“DEP ITEM RETURNED”)	$10	per item	None
Account Services
Garnishment/Tax Levy/Legal Order (“LEGAL ORDER”)	$100	per item	None

Fee

Amount

Basis

Note

Account Maintenance

Account Closing (account closed within 90 days of opening)

$25

Not stated

Dormant Checking Account – 6 months no activity (“DORMANT FEE”)

per month

Dormant Savings or Money Market Account – 12 months no activity (“DORMANT FEE”)

per month

Account Research and Balancing

$15Not compared: Charged per hour; comparison unavailable

per hour

Undeliverable Mail

$7.50

per month

Per envelope per month

Undeliverable Mail (“UNDELIVERABLE MAIL”)

$7.50

per month

Overdraft & NSF

Overdraft Item Paid (“OD ITEM PAID FEE”)

$27

per item

Nonsufficient Funds Item Returned (“NSF ITEM RETURN FEE”)

$27

per item

Overdraft Transfer (Automatic Transfer from Savings)

No charge

Not stated

ATM & Card

Debit Card Replacement

$15

per item

Debit Card or PIN Rush-Order

$50

per item

Wire Transfers

Outgoing Domestic (to another U.S. financial institution; “OUTGOING WIRE”)

$25

per item

Wire Transfer – Incoming Domestic (from another U.S. financial institution; “INCOMING WIRE”)

$20

per item

Check Services

Cashier’s Check (Customers Only)

per item

Stop Payment (“STOP PAYMENT FEE”)

$30

Not stated

Collection Item (Incoming or Outgoing)

$25

per item

Check Image Copy

per item

Digital & Electronic

Consumer Bill Payment

No charge

Not stated

Cash & Deposit

Coin Counting for Customer

10%

Not stated

Returned Deposited Item Chargeback (“DEP ITEM RETURNED”)

$10

per item

Account Services

Garnishment/Tax Levy/Legal Order (“LEGAL ORDER”)

$100

per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Service Charge	$10	per month	None
Monthly Maintenance Service Charge	$5	per month	None
Paper Statement Fee	$5	per month	None

Fee

Amount

Basis

Note

Account Maintenance

Monthly Maintenance Service Charge

$10

per month

Monthly Maintenance Service Charge

per month

Paper Statement Fee

per month

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.