Central State Bank

Headquarters: Coralville, Iowa
Charter: Bank
Assets: $419.3M
Fed district: Chicago

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

Source: its fee schedule, read Oct 8, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Cornerstone Checking
Can be waived with a minimum balance of $750 or more.
Central State Bank: $7.50
Central State Bank: $7.50
U.S. median: no median
Overdraft (OD)
Central State Bank: $32
Central State Bank: $32
U.S. median: no median
NSF / Returned Item
Central State Bank: $32
Central State Bank: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 8, 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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Among its peers

Central State Bank · $419M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$413M to $428M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Central State Bank(this institution)	Coralville, IA	$419M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alliance Community Bank	Petersburg, IL	$414M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Frankewing	Frankewing, TN	$413M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Bank of Zachary	Zachary, LA	$416M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Cattle Bank and Trust	Seward, NE	$422M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Centinel Bank of Taos	Taos, NM	$425M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Coffee County Bank	Manchester, TN	$428M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Devon Bank	Chicago, IL	$419M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers and Merchants Bank of South Carolina	Holly Hill, SC	$414M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers State Bank of Calhan	Calhan, CO	$416M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Farmers Trust and Savings Bank	Buffalo Center, IA	$423M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Lockhart Bank	Lockhart, TX	$416M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First National Bank in DeRidder	DeRidder, LA	$419M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First State Bank	Buxton, ND	$424M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Vision Bank of Tennessee	Tullahoma, TN	$414M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Fleetwood Bank	Fleetwood, PA	$416M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Heritage Bank & Trust	Columbia, TN	$418M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Heritage Bank of the Ozarks	Lebanon, MO	$424M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Kentland Bank	Kentland, IN	$419M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
MA Bank	Macon, MO	$417M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North Valley Bank	Zanesville, OH	$427M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
River City Bank	Rome, GA	$423M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sentry Bank	Saint Joseph, MN	$415M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
State Bank & Trust	Winfield, AL	$413M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sugar River Bank	Newport, NH	$424M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Winnsboro State Bank & Trust Company	Winnsboro, LA	$426M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $1.50 (25%) above the median of similar-sized banks.

Its published price is $7.50, against a peer median of $6 among 15 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026.

Monthly maintenance fee in dollars, one mark per institution

Central State BankPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

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

Account Maintenance

Low monthly fee$7.50
per month
If account is dormant (no activity for over 1 year)$5
per month
Paper Statement Fee$3

Overdraft & NSF

Overdraft Item Charges: Per Item Charge$32
per item
Insufficient Funds Charges: Per Item Returned$32
per item
Insufficient Funds Transfer (Sweep): Per Transfer$5
per item

ATM & Card

ATM Card (Replacement Fee)$15

Wire Transfers

Outgoing Wire Fee$40
Incoming Wire Fee$20
International Wire Fee$75

Check Services

Per Stop Payment$30
per item
To Renew Stop Payment$10
per item

Digital & Electronic

Bill PayNo charge

Account Services

NotaryNo charge
Drilling Fee$200
Not compared: Box drilling or key fee
Replacement Key Fee$20
Not compared: Box drilling or key fee
Garnishment Fee$50
Levy Fee$50

Gift & Prepaid Cards

Price Per Card, Per Reload$7
per item
Price Per Gift Card$7
VISA Access Card Reload (audience not stated, treated as personal)$7
per item · Per reload

Fee	Amount	Basis	Note
Account Maintenance
Low monthly fee	$7.50	per month	None
If account is dormant (no activity for over 1 year)	$5	per month	None
Paper Statement Fee	$3	Not stated	None
Overdraft & NSF
Overdraft Item Charges: Per Item Charge	$32	per item	None
Insufficient Funds Charges: Per Item Returned	$32	per item	None
Insufficient Funds Transfer (Sweep): Per Transfer	$5	per item	None
ATM & Card
ATM Card (Replacement Fee)	$15	Not stated	None
Wire Transfers
Outgoing Wire Fee	$40	Not stated	None
Incoming Wire Fee	$20	Not stated	None
International Wire Fee	$75	Not stated	None
Check Services
Per Stop Payment	$30	per item	None
To Renew Stop Payment	$10	per item	None
Digital & Electronic
Bill Pay	No charge	Not stated	None
Account Services
Notary	No charge	Not stated	None
Drilling Fee	$200Not compared: Box drilling or key fee	Not stated	None
Replacement Key Fee	$20Not compared: Box drilling or key fee	Not stated	None
Garnishment Fee	$50	Not stated	None
Levy Fee	$50	Not stated	None
Gift & Prepaid Cards
Price Per Card, Per Reload	$7	per item	None
Price Per Gift Card	$7	Not stated	None
VISA Access Card Reload (audience not stated, treated as personal)	$7	per item	Per reload

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 8, 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 Central State Bank's foreign transaction changes in our data

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

Fees against the market

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

Monthly Maintenance
Cornerstone Checking
Can be waived with a minimum balance of $750 or more.
Central State Bank: $7.50
Central State Bank: $7.50
U.S. median: no median
Overdraft (OD)
Central State Bank: $32
Central State Bank: $32
U.S. median: no median
NSF / Returned Item
Central State Bank: $32
Central State Bank: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 8, 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.

Among its peers

Central State Bank · $419M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$413M to $428M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Central State Bank(this institution)	Coralville, IA	$419M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alliance Community Bank	Petersburg, IL	$414M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Frankewing	Frankewing, TN	$413M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Bank of Zachary	Zachary, LA	$416M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Cattle Bank and Trust	Seward, NE	$422M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Centinel Bank of Taos	Taos, NM	$425M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Coffee County Bank	Manchester, TN	$428M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Devon Bank	Chicago, IL	$419M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers and Merchants Bank of South Carolina	Holly Hill, SC	$414M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers State Bank of Calhan	Calhan, CO	$416M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Farmers Trust and Savings Bank	Buffalo Center, IA	$423M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Lockhart Bank	Lockhart, TX	$416M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First National Bank in DeRidder	DeRidder, LA	$419M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First State Bank	Buxton, ND	$424M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Vision Bank of Tennessee	Tullahoma, TN	$414M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Fleetwood Bank	Fleetwood, PA	$416M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Heritage Bank & Trust	Columbia, TN	$418M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Heritage Bank of the Ozarks	Lebanon, MO	$424M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Kentland Bank	Kentland, IN	$419M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
MA Bank	Macon, MO	$417M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North Valley Bank	Zanesville, OH	$427M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
River City Bank	Rome, GA	$423M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sentry Bank	Saint Joseph, MN	$415M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
State Bank & Trust	Winfield, AL	$413M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sugar River Bank	Newport, NH	$424M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Winnsboro State Bank & Trust Company	Winnsboro, LA	$426M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $1.50 (25%) above the median of similar-sized banks.

Its published price is $7.50, against a peer median of $6 among 15 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026.

Monthly maintenance fee in dollars, one mark per institution

Central State BankPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

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

Account Maintenance

Low monthly fee$7.50
per month
If account is dormant (no activity for over 1 year)$5
per month
Paper Statement Fee$3

Overdraft & NSF

Overdraft Item Charges: Per Item Charge$32
per item
Insufficient Funds Charges: Per Item Returned$32
per item
Insufficient Funds Transfer (Sweep): Per Transfer$5
per item

ATM & Card

ATM Card (Replacement Fee)$15

Wire Transfers

Outgoing Wire Fee$40
Incoming Wire Fee$20
International Wire Fee$75

Check Services

Per Stop Payment$30
per item
To Renew Stop Payment$10
per item

Digital & Electronic

Bill PayNo charge

Account Services

NotaryNo charge
Drilling Fee$200
Not compared: Box drilling or key fee
Replacement Key Fee$20
Not compared: Box drilling or key fee
Garnishment Fee$50
Levy Fee$50

Gift & Prepaid Cards

Price Per Card, Per Reload$7
per item
Price Per Gift Card$7
VISA Access Card Reload (audience not stated, treated as personal)$7
per item · Per reload

Fee	Amount	Basis	Note
Account Maintenance
Low monthly fee	$7.50	per month	None
If account is dormant (no activity for over 1 year)	$5	per month	None
Paper Statement Fee	$3	Not stated	None
Overdraft & NSF
Overdraft Item Charges: Per Item Charge	$32	per item	None
Insufficient Funds Charges: Per Item Returned	$32	per item	None
Insufficient Funds Transfer (Sweep): Per Transfer	$5	per item	None
ATM & Card
ATM Card (Replacement Fee)	$15	Not stated	None
Wire Transfers
Outgoing Wire Fee	$40	Not stated	None
Incoming Wire Fee	$20	Not stated	None
International Wire Fee	$75	Not stated	None
Check Services
Per Stop Payment	$30	per item	None
To Renew Stop Payment	$10	per item	None
Digital & Electronic
Bill Pay	No charge	Not stated	None
Account Services
Notary	No charge	Not stated	None
Drilling Fee	$200Not compared: Box drilling or key fee	Not stated	None
Replacement Key Fee	$20Not compared: Box drilling or key fee	Not stated	None
Garnishment Fee	$50	Not stated	None
Levy Fee	$50	Not stated	None
Gift & Prepaid Cards
Price Per Card, Per Reload	$7	per item	None
Price Per Gift Card	$7	Not stated	None
VISA Access Card Reload (audience not stated, treated as personal)	$7	per item	Per reload

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 8, 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.