Welch State Bank of Welch, Okla.

Headquarters: Welch, Oklahoma
Charter: Bank
Assets: $449.8M
Fed district: Kansas City

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

Source: its fee schedule, read Nov 2, 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
Compared at $5.58, the middle of its prices
Welch State Bank of Welch, Okla.: $0 to $15.77
Welch State Bank of Welch, Okla.: $0 to $15.77
U.S. median: no median
Wire Transfer (Domestic Out)
Welch State Bank of Welch, Okla.: $17.54
Welch State Bank of Welch, Okla.: $17.54
U.S. median: no median
Stop Payment
Welch State Bank of Welch, Okla.: $32.47
Welch State Bank of Welch, Okla.: $32.47
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Oklahoma, 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).
Oklahoma: Banks and credit unions headquartered in Oklahoma 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

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

Account Maintenance

Monthly Maintenance Fee .No Charge (audience not stated, treated as personal)No charge
per month
Service charge$5.16
per month
Tiered Interest Checking Monthly service charge$6
per month
Tiered Interest Checking Monthly service charge (audience not stated, treated as personal)$15.77
per month
Account Research Minimum (audience not stated, treated as personal)$26.71
Not compared: Charged per hour; comparison unavailable
per hour
Monthly service charge for mailed paper statements (audience not stated, treated as personal)$6.29
per month
Temporary Statements$4.16
per item

Overdraft & NSF

Continuous Overdraft Charge daily limit not to exceed (audience not stated, treated as personal)$3.29
per day
NSF/OD Fees Daily Cap$179.82
per day · Daily limit not to exceed

ATM & Card

ATM or Check Card Replacement Fee (audience not stated, treated as personal)$10

Wire Transfers

WIRE TRANSFER: Outgoing (audience not stated, treated as personal)$17.54
WIRE TRANSFER: Incoming (audience not stated, treated as personal)$8.04
Foreign Wire – Outgoing$62.49

Check Services

Cashiers Checks (audience not stated, treated as personal)$5
per item
Stop Pay Fee$32.47

Digital & Electronic

One-Time/Same-Day ACH Fee$14
one time

Cash & Deposit

Cash Advance Fee (audience not stated, treated as personal)$14

Account Services

Notary Service (audience not stated, treated as personal)$5
Both Keys Lost- Cost to Drill the Box$125
Not compared: Box drilling or key fee
Late Fee - 30 days after due date$10
Not compared: Box drilling or key fee
One Lost Key$25
Not compared: Box drilling or key fee
Safe Deposit Box 10” x 10” (audience not stated, treated as personal)$49.59
per year
Safe Deposit Box 10” x 20” (audience not stated, treated as personal)$109.59
per year
Safe Deposit Box 3” x 10” (audience not stated, treated as personal)$24.59
per year
Safe Deposit Box 3” x 5” (audience not stated, treated as personal)$21.59
per year
Safe Deposit Box 5” x 10” (audience not stated, treated as personal)$36.59
per year
Safe Deposit Box 5” x 5” (audience not stated, treated as personal)$29.59
per year

Lending Fees

Late Fee (audience not stated, treated as personal)$24

Other Fees

Fax Each Additional Page$1.27
per item
Fax Incoming$1.27
Not compared: Charged per page; comparison unavailable
per page
Fax Outgoing (audience not stated, treated as personal)$5.29
Extra Lien Release . .. .$24.49

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Fee .No Charge (audience not stated, treated as personal)	No charge	per month	None
Service charge	$5.16	per month	None
Tiered Interest Checking Monthly service charge	$6	per month	None
Tiered Interest Checking Monthly service charge (audience not stated, treated as personal)	$15.77	per month	None
Account Research Minimum (audience not stated, treated as personal)	$26.71Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly service charge for mailed paper statements (audience not stated, treated as personal)	$6.29	per month	None
Temporary Statements	$4.16	per item	None
Overdraft & NSF
Continuous Overdraft Charge daily limit not to exceed (audience not stated, treated as personal)	$3.29	per day	None
NSF/OD Fees Daily Cap	$179.82	per day	Daily limit not to exceed
ATM & Card
ATM or Check Card Replacement Fee (audience not stated, treated as personal)	$10	Not stated	None
Wire Transfers
WIRE TRANSFER: Outgoing (audience not stated, treated as personal)	$17.54	Not stated	None
WIRE TRANSFER: Incoming (audience not stated, treated as personal)	$8.04	Not stated	None
Foreign Wire – Outgoing	$62.49	Not stated	None
Check Services
Cashiers Checks (audience not stated, treated as personal)	$5	per item	None
Stop Pay Fee	$32.47	Not stated	None
Digital & Electronic
One-Time/Same-Day ACH Fee	$14	one time	None
Cash & Deposit
Cash Advance Fee (audience not stated, treated as personal)	$14	Not stated	None
Account Services
Notary Service (audience not stated, treated as personal)	$5	Not stated	None
Both Keys Lost- Cost to Drill the Box	$125Not compared: Box drilling or key fee	Not stated	None
Late Fee - 30 days after due date	$10Not compared: Box drilling or key fee	Not stated	None
One Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10” x 10” (audience not stated, treated as personal)	$49.59	per year	None
Safe Deposit Box 10” x 20” (audience not stated, treated as personal)	$109.59	per year	None
Safe Deposit Box 3” x 10” (audience not stated, treated as personal)	$24.59	per year	None
Safe Deposit Box 3” x 5” (audience not stated, treated as personal)	$21.59	per year	None
Safe Deposit Box 5” x 10” (audience not stated, treated as personal)	$36.59	per year	None
Safe Deposit Box 5” x 5” (audience not stated, treated as personal)	$29.59	per year	None
Lending Fees
Late Fee (audience not stated, treated as personal)	$24	Not stated	None
Other Fees
Fax Each Additional Page	$1.27	per item	None
Fax Incoming	$1.27Not compared: Charged per page; comparison unavailable	per page	None
Fax Outgoing (audience not stated, treated as personal)	$5.29	Not stated	None
Extra Lien Release . .. .	$24.49	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Monthly Maintenance FeeNo charge
per month
Service charge$5.16
per month
Temporary Statements$4.16
per item

Overdraft & NSF

NSF/OD Fees Daily Cap$179.82
per day · Daily limit not to exceed

Wire Transfers

Foreign Wire – Outgoing$62.49

Check Services

Stop Pay Fee$32.47

Digital & Electronic

One-Time/Same-Day ACH Fee$14
one time

Account Services

Both Keys Lost- Cost to Drill the Box$125
Not compared: Box drilling or key fee
Late Fee - 30 days after due date$10
Not compared: Box drilling or key fee
One Lost Key$25
Not compared: Box drilling or key fee

Other Fees

Fax Each Additional Page$1.27
per item
Fax Incoming$1.27
Not compared: Charged per page; comparison unavailable
per page
Extra Lien Release . .. .$24.49

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Fee	No charge	per month	None
Service charge	$5.16	per month	None
Temporary Statements	$4.16	per item	None
Overdraft & NSF
NSF/OD Fees Daily Cap	$179.82	per day	Daily limit not to exceed
Wire Transfers
Foreign Wire – Outgoing	$62.49	Not stated	None
Check Services
Stop Pay Fee	$32.47	Not stated	None
Digital & Electronic
One-Time/Same-Day ACH Fee	$14	one time	None
Account Services
Both Keys Lost- Cost to Drill the Box	$125Not compared: Box drilling or key fee	Not stated	None
Late Fee - 30 days after due date	$10Not compared: Box drilling or key fee	Not stated	None
One Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Other Fees
Fax Each Additional Page	$1.27	per item	None
Fax Incoming	$1.27Not compared: Charged per page; comparison unavailable	per page	None
Extra Lien Release . .. .	$24.49	Not stated	None

Correct a fee source

Nov 2, 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 Welch State Bank of Welch, Okla.'s nsf / returned item 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
Compared at $5.58, the middle of its prices
Welch State Bank of Welch, Okla.: $0 to $15.77
Welch State Bank of Welch, Okla.: $0 to $15.77
U.S. median: no median
Wire Transfer (Domestic Out)
Welch State Bank of Welch, Okla.: $17.54
Welch State Bank of Welch, Okla.: $17.54
U.S. median: no median
Stop Payment
Welch State Bank of Welch, Okla.: $32.47
Welch State Bank of Welch, Okla.: $32.47
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

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).
Oklahoma: Banks and credit unions headquartered in Oklahoma 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.

Published fee schedule

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

Account Maintenance

Monthly Maintenance Fee .No Charge (audience not stated, treated as personal)No charge
per month
Service charge$5.16
per month
Tiered Interest Checking Monthly service charge$6
per month
Tiered Interest Checking Monthly service charge (audience not stated, treated as personal)$15.77
per month
Account Research Minimum (audience not stated, treated as personal)$26.71
Not compared: Charged per hour; comparison unavailable
per hour
Monthly service charge for mailed paper statements (audience not stated, treated as personal)$6.29
per month
Temporary Statements$4.16
per item

Overdraft & NSF

Continuous Overdraft Charge daily limit not to exceed (audience not stated, treated as personal)$3.29
per day
NSF/OD Fees Daily Cap$179.82
per day · Daily limit not to exceed

ATM & Card

ATM or Check Card Replacement Fee (audience not stated, treated as personal)$10

Wire Transfers

WIRE TRANSFER: Outgoing (audience not stated, treated as personal)$17.54
WIRE TRANSFER: Incoming (audience not stated, treated as personal)$8.04
Foreign Wire – Outgoing$62.49

Check Services

Cashiers Checks (audience not stated, treated as personal)$5
per item
Stop Pay Fee$32.47

Digital & Electronic

One-Time/Same-Day ACH Fee$14
one time

Cash & Deposit

Cash Advance Fee (audience not stated, treated as personal)$14

Account Services

Notary Service (audience not stated, treated as personal)$5
Both Keys Lost- Cost to Drill the Box$125
Not compared: Box drilling or key fee
Late Fee - 30 days after due date$10
Not compared: Box drilling or key fee
One Lost Key$25
Not compared: Box drilling or key fee
Safe Deposit Box 10” x 10” (audience not stated, treated as personal)$49.59
per year
Safe Deposit Box 10” x 20” (audience not stated, treated as personal)$109.59
per year
Safe Deposit Box 3” x 10” (audience not stated, treated as personal)$24.59
per year
Safe Deposit Box 3” x 5” (audience not stated, treated as personal)$21.59
per year
Safe Deposit Box 5” x 10” (audience not stated, treated as personal)$36.59
per year
Safe Deposit Box 5” x 5” (audience not stated, treated as personal)$29.59
per year

Lending Fees

Late Fee (audience not stated, treated as personal)$24

Other Fees

Fax Each Additional Page$1.27
per item
Fax Incoming$1.27
Not compared: Charged per page; comparison unavailable
per page
Fax Outgoing (audience not stated, treated as personal)$5.29
Extra Lien Release . .. .$24.49

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Fee .No Charge (audience not stated, treated as personal)	No charge	per month	None
Service charge	$5.16	per month	None
Tiered Interest Checking Monthly service charge	$6	per month	None
Tiered Interest Checking Monthly service charge (audience not stated, treated as personal)	$15.77	per month	None
Account Research Minimum (audience not stated, treated as personal)	$26.71Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly service charge for mailed paper statements (audience not stated, treated as personal)	$6.29	per month	None
Temporary Statements	$4.16	per item	None
Overdraft & NSF
Continuous Overdraft Charge daily limit not to exceed (audience not stated, treated as personal)	$3.29	per day	None
NSF/OD Fees Daily Cap	$179.82	per day	Daily limit not to exceed
ATM & Card
ATM or Check Card Replacement Fee (audience not stated, treated as personal)	$10	Not stated	None
Wire Transfers
WIRE TRANSFER: Outgoing (audience not stated, treated as personal)	$17.54	Not stated	None
WIRE TRANSFER: Incoming (audience not stated, treated as personal)	$8.04	Not stated	None
Foreign Wire – Outgoing	$62.49	Not stated	None
Check Services
Cashiers Checks (audience not stated, treated as personal)	$5	per item	None
Stop Pay Fee	$32.47	Not stated	None
Digital & Electronic
One-Time/Same-Day ACH Fee	$14	one time	None
Cash & Deposit
Cash Advance Fee (audience not stated, treated as personal)	$14	Not stated	None
Account Services
Notary Service (audience not stated, treated as personal)	$5	Not stated	None
Both Keys Lost- Cost to Drill the Box	$125Not compared: Box drilling or key fee	Not stated	None
Late Fee - 30 days after due date	$10Not compared: Box drilling or key fee	Not stated	None
One Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10” x 10” (audience not stated, treated as personal)	$49.59	per year	None
Safe Deposit Box 10” x 20” (audience not stated, treated as personal)	$109.59	per year	None
Safe Deposit Box 3” x 10” (audience not stated, treated as personal)	$24.59	per year	None
Safe Deposit Box 3” x 5” (audience not stated, treated as personal)	$21.59	per year	None
Safe Deposit Box 5” x 10” (audience not stated, treated as personal)	$36.59	per year	None
Safe Deposit Box 5” x 5” (audience not stated, treated as personal)	$29.59	per year	None
Lending Fees
Late Fee (audience not stated, treated as personal)	$24	Not stated	None
Other Fees
Fax Each Additional Page	$1.27	per item	None
Fax Incoming	$1.27Not compared: Charged per page; comparison unavailable	per page	None
Fax Outgoing (audience not stated, treated as personal)	$5.29	Not stated	None
Extra Lien Release . .. .	$24.49	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Monthly Maintenance FeeNo charge
per month
Service charge$5.16
per month
Temporary Statements$4.16
per item

Overdraft & NSF

NSF/OD Fees Daily Cap$179.82
per day · Daily limit not to exceed

Wire Transfers

Foreign Wire – Outgoing$62.49

Check Services

Stop Pay Fee$32.47

Digital & Electronic

One-Time/Same-Day ACH Fee$14
one time

Account Services

Both Keys Lost- Cost to Drill the Box$125
Not compared: Box drilling or key fee
Late Fee - 30 days after due date$10
Not compared: Box drilling or key fee
One Lost Key$25
Not compared: Box drilling or key fee

Other Fees

Fax Each Additional Page$1.27
per item
Fax Incoming$1.27
Not compared: Charged per page; comparison unavailable
per page
Extra Lien Release . .. .$24.49

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Fee	No charge	per month	None
Service charge	$5.16	per month	None
Temporary Statements	$4.16	per item	None
Overdraft & NSF
NSF/OD Fees Daily Cap	$179.82	per day	Daily limit not to exceed
Wire Transfers
Foreign Wire – Outgoing	$62.49	Not stated	None
Check Services
Stop Pay Fee	$32.47	Not stated	None
Digital & Electronic
One-Time/Same-Day ACH Fee	$14	one time	None
Account Services
Both Keys Lost- Cost to Drill the Box	$125Not compared: Box drilling or key fee	Not stated	None
Late Fee - 30 days after due date	$10Not compared: Box drilling or key fee	Not stated	None
One Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Other Fees
Fax Each Additional Page	$1.27	per item	None
Fax Incoming	$1.27Not compared: Charged per page; comparison unavailable	per page	None
Extra Lien Release . .. .	$24.49	Not stated	None

Correct a fee source

Nov 2, 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.