First State Bank and Trust

Headquarters: Tonganoxie, Kansas
Charter: Bank
Assets: $514.9M
Fed district: Kansas City

7 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.

Monthly Maintenance
Compared at $9.98, the middle of its prices
First State Bank and Trust: $6 to $15
First State Bank and Trust: $6 to $15
U.S. median: no median
NSF / Returned Item
First State Bank and Trust: $30
First State Bank and Trust: $30
U.S. median: no median
Stop Payment
First State Bank and Trust: $30
First State Bank and Trust: $30
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 Kansas, the Kansas City 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).
Kansas: Banks and credit unions headquartered in Kansas that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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 State Bank and Trust’s own schedules, with a source for each figure.

Account Maintenance

Base Monthly Fee$9.95
per month
Monthly service charge$10
per month
Relationship Checking Monthly service charge$15
per month
Service Charge (waived with minimum ledger balance)$6
per month

Overdraft & NSF

Insufficient funds fee (NSF)$30
per item
Additional fee for account overdrawn 5 or more consecutive business days$3
per day
Limit on total overdraft fees per day$180
per day

Check Services

Stop Payments Yes$30
per item

Digital & Electronic

Mobile Deposit Yes$0.50

Lending Fees

Late fee1.5%

Gift & Prepaid Cards

Visa Gift Card discounted load fee (Charter 50 and Relationship Checking)$2
per item
Visa Gift Card load fee$3.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Base Monthly Fee	$9.95	per month	None
Monthly service charge	$10	per month	None
Relationship Checking Monthly service charge	$15	per month	None
Service Charge (waived with minimum ledger balance)	$6	per month	None
Overdraft & NSF
Insufficient funds fee (NSF)	$30	per item	None
Additional fee for account overdrawn 5 or more consecutive business days	$3	per day	None
Limit on total overdraft fees per day	$180	per day	None
Check Services
Stop Payments Yes	$30	per item	None
Digital & Electronic
Mobile Deposit Yes	$0.50	Not stated	None
Lending Fees
Late fee	1.5%	Not stated	None
Gift & Prepaid Cards
Visa Gift Card discounted load fee (Charter 50 and Relationship Checking)	$2	per item	None
Visa Gift Card load fee	$3.50	per item	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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