Centinel Bank of Taos

Headquarters: Taos, New Mexico
Charter: Bank
Assets: $424.8M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 6, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $9.50, the middle of its prices
Centinel Bank of Taos: $6 to $14
Centinel Bank of Taos: $6 to $14
U.S. median: no median
Overdraft (OD)
Centinel Bank of Taos: $35
Centinel Bank of Taos: $35
U.S. median: no median
NSF / Returned Item
Centinel Bank of Taos: $35
Centinel Bank of Taos: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

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

Account Maintenance

Centsible Checking Service charge$9.50
per month
NOW Checking Service charge$14
per month
Service charge$6
per month
Account Closing Within 90 Days$50
Dormant Account (2 1/2 Years Inactivity)$15
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Statement Reconciliation$30
Paper Statement$5.25
per month
Returned Mail$15

Overdraft & NSF

Overdraft Charge$35
Return Item (per Item per Presentment)$35
per item

ATM & Card

Debit Card Replacement (Overnight Mail) Fed Ex Fee +$15

Wire Transfers

Outgoing Domestic Wire Transfer (Customers Only)$40
Incoming Domestic Wire Transfer (Customers Only)$15
Outgoing International Wire (Customers Only)$80
Incoming International Wire (Customers Only)$20

Check Services

Cashiers Checks (Customers Only)$10
Money Orders (Customers Only)$7
Stop Payment$35
Counter Checks (3 per Page)$2
Not compared: Charged per page; comparison unavailable
per page
Check Cashing \ On-US Checks or Government Issued Checks$10
Check Images on Statements$3

Digital & Electronic

Cash Management ACH File$7
per item

Cash & Deposit

Night Depository Fee$10

Account Services

Notary Services (per Acknowledgement)$5
Garnishments\Levies$100

Other Fees

Fed Ex Fee$15
Statement Reprint$10

Fee	Amount	Basis	Note
Account Maintenance
Centsible Checking Service charge	$9.50	per month	None
NOW Checking Service charge	$14	per month	None
Service charge	$6	per month	None
Account Closing Within 90 Days	$50	Not stated	None
Dormant Account (2 1/2 Years Inactivity)	$15	Not stated	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Statement Reconciliation	$30	Not stated	None
Paper Statement	$5.25	per month	None
Returned Mail	$15	Not stated	None
Overdraft & NSF
Overdraft Charge	$35	Not stated	None
Return Item (per Item per Presentment)	$35	per item	None
ATM & Card
Debit Card Replacement (Overnight Mail) Fed Ex Fee +	$15	Not stated	None
Wire Transfers
Outgoing Domestic Wire Transfer (Customers Only)	$40	Not stated	None
Incoming Domestic Wire Transfer (Customers Only)	$15	Not stated	None
Outgoing International Wire (Customers Only)	$80	Not stated	None
Incoming International Wire (Customers Only)	$20	Not stated	None
Check Services
Cashiers Checks (Customers Only)	$10	Not stated	None
Money Orders (Customers Only)	$7	Not stated	None
Stop Payment	$35	Not stated	None
Counter Checks (3 per Page)	$2Not compared: Charged per page; comparison unavailable	per page	None
Check Cashing \ On-US Checks or Government Issued Checks	$10	Not stated	None
Check Images on Statements	$3	Not stated	None
Digital & Electronic
Cash Management ACH File	$7	per item	None
Cash & Deposit
Night Depository Fee	$10	Not stated	None
Account Services
Notary Services (per Acknowledgement)	$5	Not stated	None
Garnishments\Levies	$100	Not stated	None
Other Fees
Fed Ex Fee	$15	Not stated	None
Statement Reprint	$10	Not stated	None

Correct a fee source

Oct 6, 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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