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.

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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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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

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