First State Bank and Trust

Headquarters: Bayport, Minnesota
Charter: Bank
Assets: $499.0M
Fed district: Minneapolis

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

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

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

Overdraft (OD)
First State Bank and Trust: $32
First State Bank and Trust: $32
U.S. median: no median
NSF / Returned Item
First State Bank and Trust: $32
First State Bank and Trust: $32
U.S. median: no median
Non-Network ATM
First State Bank and Trust: $1
First State Bank and Trust: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Minnesota, the Minneapolis 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).
Minnesota: Banks and credit unions headquartered in Minnesota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 First State Bank and Trust’s own schedules, with a source for each figure.

Account Maintenance

Record Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$6
per month

Overdraft & NSF

Overdraft Charge each item paid$32
per item
Return Item Charge$32
per item
Daily Overdraft Fee - Fee begins on 4th business day after initial overdraft$5
per day
Account Protection Transfer Fee$5
per item
Daily Overdraft Fee Maximum$100
varies · Maximum total for 20 consecutive business days
Overdraft Charge Daily Maximum$96
per day · Daily maximum cap for overdraft charges

ATM & Card

ATM Withdrawals$1
per item
ATM Withdrawal fee - International0.2%
Debit/ATM Card - Replace Card$7.50

Wire Transfers

Wire Transfers Customer (outgoing) - Foreign$25
per item

Check Services

Cashier's Check Customer$4
Money Orders Customer$3
Stop Payment - Checks and ACH items$30
Stop Payment - Recurring Debit Card Transactions$30
Collection Item$20
per item

Digital & Electronic

BillPay: Donation payment by check$1.99
BillPay: Gift payment by check$2.99
BillPay: Overnight Rush Check Payment$19.95
BillPay: Second Day Rush Check Payment$14.95
BillPay: Second Day Rush Electronic Payment$4.95

Cash & Deposit

Coin Counting - CustomerNo charge
Coin Counting - Non-Customer5%($3 minimum)
Return Deposit Item$4
per item

Account Services

Notary Public Service - CustomerNo charge
Notary Public Service - Non-Customers$5
If both keys are lost, the box must be drilled open at a cost determined at opening.$10
Not compared: Box drilling or key fee
Safe Deposit Box 10" x 10"$125
Safe Deposit Box 3" x 10"$50
Safe Deposit Box 3" x 5"$35
Safe Deposit Box 5" x 10"$75
Levy/Garnishment$100

Other Fees

Duplicate Statement Copy$2
Fax Machine$2
Not compared: Charged per page; comparison unavailable
per page
FAX Machine - International$5
Not compared: Charged per page; comparison unavailable
per page
FAX Machine - Local$2
Not compared: Charged per page; comparison unavailable
per page
FAX Machine - Long Distance$3
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Record Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$6	per month	None
Overdraft & NSF
Overdraft Charge each item paid	$32	per item	None
Return Item Charge	$32	per item	None
Daily Overdraft Fee - Fee begins on 4th business day after initial overdraft	$5	per day	None
Account Protection Transfer Fee	$5	per item	None
Daily Overdraft Fee Maximum	$100	varies	Maximum total for 20 consecutive business days
Overdraft Charge Daily Maximum	$96	per day	Daily maximum cap for overdraft charges
ATM & Card
ATM Withdrawals	$1	per item	None
ATM Withdrawal fee - International	0.2%	Not stated	None
Debit/ATM Card - Replace Card	$7.50	Not stated	None
Wire Transfers
Wire Transfers Customer (outgoing) - Foreign	$25	per item	None
Check Services
Cashier's Check Customer	$4	Not stated	None
Money Orders Customer	$3	Not stated	None
Stop Payment - Checks and ACH items	$30	Not stated	None
Stop Payment - Recurring Debit Card Transactions	$30	Not stated	None
Collection Item	$20	per item	None
Digital & Electronic
BillPay: Donation payment by check	$1.99	Not stated	None
BillPay: Gift payment by check	$2.99	Not stated	None
BillPay: Overnight Rush Check Payment	$19.95	Not stated	None
BillPay: Second Day Rush Check Payment	$14.95	Not stated	None
BillPay: Second Day Rush Electronic Payment	$4.95	Not stated	None
Cash & Deposit
Coin Counting - Customer	No charge	Not stated	None
Coin Counting - Non-Customer	5%($3 minimum)	Not stated	None
Return Deposit Item	$4	per item	None
Account Services
Notary Public Service - Customer	No charge	Not stated	None
Notary Public Service - Non-Customers	$5	Not stated	None
If both keys are lost, the box must be drilled open at a cost determined at opening.	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10" x 10"	$125	Not stated	None
Safe Deposit Box 3" x 10"	$50	Not stated	None
Safe Deposit Box 3" x 5"	$35	Not stated	None
Safe Deposit Box 5" x 10"	$75	Not stated	None
Levy/Garnishment	$100	Not stated	None
Other Fees
Duplicate Statement Copy	$2	Not stated	None
Fax Machine	$2Not compared: Charged per page; comparison unavailable	per page	None
FAX Machine - International	$5Not compared: Charged per page; comparison unavailable	per page	None
FAX Machine - Local	$2Not compared: Charged per page; comparison unavailable	per page	None
FAX Machine - Long Distance	$3Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 15, 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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