Citizens State Bank

Headquarters: Lena, Illinois
Charter: Bank
Assets: $453.3M
Fed district: Chicago

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

Source: its fee schedule, read Oct 5, 2026.

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Fees against the market

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

Stop Payment
Citizens State Bank: $30
Citizens State Bank: $30
U.S. median: no median
Debit Card Replacement
Citizens State Bank: $10
Citizens State Bank: $10
U.S. median: no median
Check Image/Copy
Citizens State Bank: $2.50
Citizens State Bank: $2.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 2026View sources

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

Account Maintenance

Dormant Fee$1
per month
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Returned or Undeliverable Statement Fee$10

Overdraft & NSF

Continuous Overdraft$10
per day

ATM & Card

ATM or debit card replacement$10

Check Services

Stop Payment$30
Copy of Canceled check$2.50

Account Services

Notary Service$5
5x2 (Elizabeth)$18
per year
5x3 (Elizabeth)$20
Drill Fee for Safe Deposit Box$255
Not compared: Box drilling or key fee
Safe Deposit Box$75
Safe Deposit Box$25
Safe Deposit Box$35
Account Garnishments and Levies$75

Fee	Amount	Basis	Note
Account Maintenance
Dormant Fee	$1	per month	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Returned or Undeliverable Statement Fee	$10	Not stated	None
Overdraft & NSF
Continuous Overdraft	$10	per day	None
ATM & Card
ATM or debit card replacement	$10	Not stated	None
Check Services
Stop Payment	$30	Not stated	None
Copy of Canceled check	$2.50	Not stated	None
Account Services
Notary Service	$5	Not stated	None
5x2 (Elizabeth)	$18	per year	None
5x3 (Elizabeth)	$20	Not stated	None
Drill Fee for Safe Deposit Box	$255Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box	$75	Not stated	None
Safe Deposit Box	$25	Not stated	None
Safe Deposit Box	$35	Not stated	None
Account Garnishments and Levies	$75	Not stated	None

Correct a fee source

Oct 5, 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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