The Citizens State Bank

Headquarters: Moundridge, Kansas
Charter: Bank
Assets: $450.6M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 23, 2026.

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Fees against the market

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

Overdraft (OD)
The Citizens State Bank: $30
The Citizens State Bank: $30
U.S. median: no median
NSF / Returned Item
The Citizens State Bank: $30
The Citizens State Bank: $30
U.S. median: no median
Wire Transfer (Domestic Out)
The Citizens State Bank: $20
The Citizens State Bank: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 23, 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 The Citizens State Bank’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account$10
Inactive Account Fee$5
Account Research Per Hour$40
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Withdrawal Fee$1
per item

Overdraft & NSF

Overdraft Fee NSF$30
Returned Item Fee$30

ATM & Card

Replacement ATM/Debit Card$5
Replacement Card Fee$5
per item
Currency conversion1%of the transaction
ISA/Cross Border Transactions Fee (International Debit Card Fee)1.95%of the transaction

Wire Transfers

Wire Transfer Outgoing Domestic$20
Wire Transfer Incoming Domestic$10
Wire Transfer Outgoing International$55
Wire Transfer Incoming International$15

Check Services

Cashier's Check$5
Money Order$5
Internet Banking Stop Payment (Checks Only)$25
Stop Payment Fee$30
Collection Items$15

Cash & Deposit

Deposited Item Return Fee$5

Account Services

Safe Deposit Box - Drill Fee$200
Not compared: Box drilling or key fee
Safe Deposit Box - Replacement Key Fee$25
Not compared: Box drilling or key fee
Levy/ Garnishment$30

Gift & Prepaid Cards

Gift Card (Non-Reloadable) - Purchase Fee$6
Travel Card - Reload Fee$4

Other Fees

Fax Incoming Per Page$1
per item
Fax Outgoing$5
Statement Copy - Per Page (Printed)$5
per item
Statement Copy - Per Statement (Secure emailed)$2

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$10	Not stated	None
Inactive Account Fee	$5	Not stated	None
Account Research Per Hour	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive Withdrawal Fee	$1	per item	None
Overdraft & NSF
Overdraft Fee NSF	$30	Not stated	None
Returned Item Fee	$30	Not stated	None
ATM & Card
Replacement ATM/Debit Card	$5	Not stated	None
Replacement Card Fee	$5	per item	None
Currency conversion	1%of the transaction	Not stated	None
ISA/Cross Border Transactions Fee (International Debit Card Fee)	1.95%of the transaction	Not stated	None
Wire Transfers
Wire Transfer Outgoing Domestic	$20	Not stated	None
Wire Transfer Incoming Domestic	$10	Not stated	None
Wire Transfer Outgoing International	$55	Not stated	None
Wire Transfer Incoming International	$15	Not stated	None
Check Services
Cashier's Check	$5	Not stated	None
Money Order	$5	Not stated	None
Internet Banking Stop Payment (Checks Only)	$25	Not stated	None
Stop Payment Fee	$30	Not stated	None
Collection Items	$15	Not stated	None
Cash & Deposit
Deposited Item Return Fee	$5	Not stated	None
Account Services
Safe Deposit Box - Drill Fee	$200Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box - Replacement Key Fee	$25Not compared: Box drilling or key fee	Not stated	None
Levy/ Garnishment	$30	Not stated	None
Gift & Prepaid Cards
Gift Card (Non-Reloadable) - Purchase Fee	$6	Not stated	None
Travel Card - Reload Fee	$4	Not stated	None
Other Fees
Fax Incoming Per Page	$1	per item	None
Fax Outgoing	$5	Not stated	None
Statement Copy - Per Page (Printed)	$5	per item	None
Statement Copy - Per Statement (Secure emailed)	$2	Not stated	None

Correct a fee source

Oct 23, 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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