Exchange Bank and Trust Company

Headquarters: Perry, Oklahoma
Charter: Bank
Assets: $428.7M
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
Non-Interest and Interest Bearing Checking Accounts
Can be waived with a balance of $100 or more.
Exchange Bank and Trust Company: $7.50
Exchange Bank and Trust Company: $7.50
U.S. median: no median
NSF / Returned Item
Exchange Bank and Trust Company: $32
Exchange Bank and Trust Company: $32
U.S. median: no median
Non-Network ATM
Exchange Bank and Trust Company: $1.50
Exchange Bank and Trust Company: $1.50
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.

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Published fee schedule

Amounts from Exchange Bank and Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Service Charge: No$7.50
Quarterly fee (balance falls below $100)$3
Not compared: Quarterly charge, not monthly
per quarter
Quarterly fee (balance falls below $300)$5
Not compared: Quarterly charge, not monthly
per quarter
Dormant Account Monthly Fee$4
per month
Monthly dormant inactivity fee$7.50
per month

Overdraft & NSF

Insufficient Funds Check Charge$32
Sweep - (Overdraft)$10

ATM & Card

Foreign ATM surcharge Fee$1.50
ATM/Check Card Replacement Card (all card styles)$10
per item

Wire Transfers

Wire transfer International$40

Check Services

Cashiers Checks (customer)$5
Cashiers Checks (non-customer)$10
Money Orders (customer)$3
Money Orders (non customer)$5
Stop Payment/Stop Payment Renewal$25
Counter Checks - First sheet of 3 Free$1

Cash & Deposit

Use of Coin Counting Machine (customer)No charge
Use of Coin Counting Machine (non-customer) (audience not stated, treated as personal)7%
Returned Deposit Item Fee$6

Account Services

Notary Fee (customer)No charge
Notary Fee (non-customer)$5
Safe Deposit Box - Late Charge$10
Not compared: Box drilling or key fee
Safe Deposit Box - Lost Key$50
Not compared: Box drilling or key fee
Safe Deposit Box Drill Charge$175
Not compared: Box drilling or key fee
Safe Deposit Box Locker Stillwater Location 44 X 16 (annually)$350
per year
Safe Deposit Box Perry Location 10 X 10 (annually)$90
per year
Safe Deposit Box Perry Location 10 X 20 (annually)$110
per year
Safe Deposit Box Perry Location 3 X 10 (annually)$40
per year
Safe Deposit Box Perry Location 3 X 5 (annually)$15
per year
Safe Deposit Box Perry Location 5 X 10 (annually)$50
per year
Safe Deposit Box Perry Location 5 X 5 (annually)$20
per year
Safe Deposit Box Stillwater Location 10 X 10 (annually)$100
per year
Safe Deposit Box Stillwater Location 5 X 10 (annually)$60
per year

Gift & Prepaid Cards

Gift Card Fee$5

Other Fees

Statement Reprint$5

Fee	Amount	Basis	Note
Account Maintenance
Service Charge: No	$7.50	Not stated	None
Quarterly fee (balance falls below $100)	$3Not compared: Quarterly charge, not monthly	per quarter	None
Quarterly fee (balance falls below $300)	$5Not compared: Quarterly charge, not monthly	per quarter	None
Dormant Account Monthly Fee	$4	per month	None
Monthly dormant inactivity fee	$7.50	per month	None
Overdraft & NSF
Insufficient Funds Check Charge	$32	Not stated	None
Sweep - (Overdraft)	$10	Not stated	None
ATM & Card
Foreign ATM surcharge Fee	$1.50	Not stated	None
ATM/Check Card Replacement Card (all card styles)	$10	per item	None
Wire Transfers
Wire transfer International	$40	Not stated	None
Check Services
Cashiers Checks (customer)	$5	Not stated	None
Cashiers Checks (non-customer)	$10	Not stated	None
Money Orders (customer)	$3	Not stated	None
Money Orders (non customer)	$5	Not stated	None
Stop Payment/Stop Payment Renewal	$25	Not stated	None
Counter Checks - First sheet of 3 Free	$1	Not stated	None
Cash & Deposit
Use of Coin Counting Machine (customer)	No charge	Not stated	None
Use of Coin Counting Machine (non-customer) (audience not stated, treated as personal)	7%	Not stated	None
Returned Deposit Item Fee	$6	Not stated	None
Account Services
Notary Fee (customer)	No charge	Not stated	None
Notary Fee (non-customer)	$5	Not stated	None
Safe Deposit Box - Late Charge	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box - Lost Key	$50Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Drill Charge	$175Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Locker Stillwater Location 44 X 16 (annually)	$350	per year	None
Safe Deposit Box Perry Location 10 X 10 (annually)	$90	per year	None
Safe Deposit Box Perry Location 10 X 20 (annually)	$110	per year	None
Safe Deposit Box Perry Location 3 X 10 (annually)	$40	per year	None
Safe Deposit Box Perry Location 3 X 5 (annually)	$15	per year	None
Safe Deposit Box Perry Location 5 X 10 (annually)	$50	per year	None
Safe Deposit Box Perry Location 5 X 5 (annually)	$20	per year	None
Safe Deposit Box Stillwater Location 10 X 10 (annually)	$100	per year	None
Safe Deposit Box Stillwater Location 5 X 10 (annually)	$60	per year	None
Gift & Prepaid Cards
Gift Card Fee	$5	Not stated	None
Other Fees
Statement Reprint	$5	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

Dormant Account Monthly Fee$4
per month

Overdraft & NSF

Insufficient Funds Check Charge$32
Sweep - (Overdraft)$10

ATM & Card

Foreign ATM surcharge Fee$1.50
ATM/Check Card Replacement Card (all card styles)$10
per item

Wire Transfers

Wire transfer International$40

Check Services

Cashiers Checks (customer)$5
Cashiers Checks (non-customer)$10
Money Orders (customer)$3
Money Orders (non customer)$5
Stop Payment/Stop Payment Renewal$25
Counter Checks - First sheet of 3 Free$1

Digital & Electronic

Bill Pay (Commercial Accounts)$6
per month
Bill Pay (Small Business Accounts) 10 free bill payments &$0.50
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Use of Coin Counting Machine (customer)No charge
Returned Deposit Item Fee$6

Account Services

Notary Fee (customer)No charge
Notary Fee (non-customer)$5
Safe Deposit Box - Late Charge$10
Not compared: Box drilling or key fee
Safe Deposit Box - Lost Key$50
Not compared: Box drilling or key fee
Safe Deposit Box Drill Charge$175
Not compared: Box drilling or key fee
Safe Deposit Box Locker Stillwater Location 44 X 16 (annually)$350
per year
Safe Deposit Box Perry Location 10 X 10 (annually)$90
per year
Safe Deposit Box Perry Location 10 X 20 (annually)$110
per year
Safe Deposit Box Perry Location 3 X 10 (annually)$40
per year
Safe Deposit Box Perry Location 3 X 5 (annually)$15
per year
Safe Deposit Box Perry Location 5 X 10 (annually)$50
per year
Safe Deposit Box Perry Location 5 X 5 (annually)$20
per year
Safe Deposit Box Stillwater Location 10 X 10 (annually)$100
per year
Safe Deposit Box Stillwater Location 5 X 10 (annually)$60
per year

Gift & Prepaid Cards

Gift Card Fee$5

Other Fees

Statement Reprint$5

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Monthly Fee	$4	per month	None
Overdraft & NSF
Insufficient Funds Check Charge	$32	Not stated	None
Sweep - (Overdraft)	$10	Not stated	None
ATM & Card
Foreign ATM surcharge Fee	$1.50	Not stated	None
ATM/Check Card Replacement Card (all card styles)	$10	per item	None
Wire Transfers
Wire transfer International	$40	Not stated	None
Check Services
Cashiers Checks (customer)	$5	Not stated	None
Cashiers Checks (non-customer)	$10	Not stated	None
Money Orders (customer)	$3	Not stated	None
Money Orders (non customer)	$5	Not stated	None
Stop Payment/Stop Payment Renewal	$25	Not stated	None
Counter Checks - First sheet of 3 Free	$1	Not stated	None
Digital & Electronic
Bill Pay (Commercial Accounts)	$6	per month	None
Bill Pay (Small Business Accounts) 10 free bill payments &	$0.50Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Use of Coin Counting Machine (customer)	No charge	Not stated	None
Returned Deposit Item Fee	$6	Not stated	None
Account Services
Notary Fee (customer)	No charge	Not stated	None
Notary Fee (non-customer)	$5	Not stated	None
Safe Deposit Box - Late Charge	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box - Lost Key	$50Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Drill Charge	$175Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Locker Stillwater Location 44 X 16 (annually)	$350	per year	None
Safe Deposit Box Perry Location 10 X 10 (annually)	$90	per year	None
Safe Deposit Box Perry Location 10 X 20 (annually)	$110	per year	None
Safe Deposit Box Perry Location 3 X 10 (annually)	$40	per year	None
Safe Deposit Box Perry Location 3 X 5 (annually)	$15	per year	None
Safe Deposit Box Perry Location 5 X 10 (annually)	$50	per year	None
Safe Deposit Box Perry Location 5 X 5 (annually)	$20	per year	None
Safe Deposit Box Stillwater Location 10 X 10 (annually)	$100	per year	None
Safe Deposit Box Stillwater Location 5 X 10 (annually)	$60	per year	None
Gift & Prepaid Cards
Gift Card Fee	$5	Not stated	None
Other Fees
Statement Reprint	$5	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 Exchange Bank and Trust Company's ach origination changes in our data

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Fees against the market

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

Monthly Maintenance
Non-Interest and Interest Bearing Checking Accounts
Can be waived with a balance of $100 or more.
Exchange Bank and Trust Company: $7.50
Exchange Bank and Trust Company: $7.50
U.S. median: no median
NSF / Returned Item
Exchange Bank and Trust Company: $32
Exchange Bank and Trust Company: $32
U.S. median: no median
Non-Network ATM
Exchange Bank and Trust Company: $1.50
Exchange Bank and Trust Company: $1.50
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 Exchange Bank and Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Service Charge: No$7.50
Quarterly fee (balance falls below $100)$3
Not compared: Quarterly charge, not monthly
per quarter
Quarterly fee (balance falls below $300)$5
Not compared: Quarterly charge, not monthly
per quarter
Dormant Account Monthly Fee$4
per month
Monthly dormant inactivity fee$7.50
per month

Overdraft & NSF

Insufficient Funds Check Charge$32
Sweep - (Overdraft)$10

ATM & Card

Foreign ATM surcharge Fee$1.50
ATM/Check Card Replacement Card (all card styles)$10
per item

Wire Transfers

Wire transfer International$40

Check Services

Cashiers Checks (customer)$5
Cashiers Checks (non-customer)$10
Money Orders (customer)$3
Money Orders (non customer)$5
Stop Payment/Stop Payment Renewal$25
Counter Checks - First sheet of 3 Free$1

Cash & Deposit

Use of Coin Counting Machine (customer)No charge
Use of Coin Counting Machine (non-customer) (audience not stated, treated as personal)7%
Returned Deposit Item Fee$6

Account Services

Notary Fee (customer)No charge
Notary Fee (non-customer)$5
Safe Deposit Box - Late Charge$10
Not compared: Box drilling or key fee
Safe Deposit Box - Lost Key$50
Not compared: Box drilling or key fee
Safe Deposit Box Drill Charge$175
Not compared: Box drilling or key fee
Safe Deposit Box Locker Stillwater Location 44 X 16 (annually)$350
per year
Safe Deposit Box Perry Location 10 X 10 (annually)$90
per year
Safe Deposit Box Perry Location 10 X 20 (annually)$110
per year
Safe Deposit Box Perry Location 3 X 10 (annually)$40
per year
Safe Deposit Box Perry Location 3 X 5 (annually)$15
per year
Safe Deposit Box Perry Location 5 X 10 (annually)$50
per year
Safe Deposit Box Perry Location 5 X 5 (annually)$20
per year
Safe Deposit Box Stillwater Location 10 X 10 (annually)$100
per year
Safe Deposit Box Stillwater Location 5 X 10 (annually)$60
per year

Gift & Prepaid Cards

Gift Card Fee$5

Other Fees

Statement Reprint$5

Fee	Amount	Basis	Note
Account Maintenance
Service Charge: No	$7.50	Not stated	None
Quarterly fee (balance falls below $100)	$3Not compared: Quarterly charge, not monthly	per quarter	None
Quarterly fee (balance falls below $300)	$5Not compared: Quarterly charge, not monthly	per quarter	None
Dormant Account Monthly Fee	$4	per month	None
Monthly dormant inactivity fee	$7.50	per month	None
Overdraft & NSF
Insufficient Funds Check Charge	$32	Not stated	None
Sweep - (Overdraft)	$10	Not stated	None
ATM & Card
Foreign ATM surcharge Fee	$1.50	Not stated	None
ATM/Check Card Replacement Card (all card styles)	$10	per item	None
Wire Transfers
Wire transfer International	$40	Not stated	None
Check Services
Cashiers Checks (customer)	$5	Not stated	None
Cashiers Checks (non-customer)	$10	Not stated	None
Money Orders (customer)	$3	Not stated	None
Money Orders (non customer)	$5	Not stated	None
Stop Payment/Stop Payment Renewal	$25	Not stated	None
Counter Checks - First sheet of 3 Free	$1	Not stated	None
Cash & Deposit
Use of Coin Counting Machine (customer)	No charge	Not stated	None
Use of Coin Counting Machine (non-customer) (audience not stated, treated as personal)	7%	Not stated	None
Returned Deposit Item Fee	$6	Not stated	None
Account Services
Notary Fee (customer)	No charge	Not stated	None
Notary Fee (non-customer)	$5	Not stated	None
Safe Deposit Box - Late Charge	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box - Lost Key	$50Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Drill Charge	$175Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Locker Stillwater Location 44 X 16 (annually)	$350	per year	None
Safe Deposit Box Perry Location 10 X 10 (annually)	$90	per year	None
Safe Deposit Box Perry Location 10 X 20 (annually)	$110	per year	None
Safe Deposit Box Perry Location 3 X 10 (annually)	$40	per year	None
Safe Deposit Box Perry Location 3 X 5 (annually)	$15	per year	None
Safe Deposit Box Perry Location 5 X 10 (annually)	$50	per year	None
Safe Deposit Box Perry Location 5 X 5 (annually)	$20	per year	None
Safe Deposit Box Stillwater Location 10 X 10 (annually)	$100	per year	None
Safe Deposit Box Stillwater Location 5 X 10 (annually)	$60	per year	None
Gift & Prepaid Cards
Gift Card Fee	$5	Not stated	None
Other Fees
Statement Reprint	$5	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

Dormant Account Monthly Fee$4
per month

Overdraft & NSF

Insufficient Funds Check Charge$32
Sweep - (Overdraft)$10

ATM & Card

Foreign ATM surcharge Fee$1.50
ATM/Check Card Replacement Card (all card styles)$10
per item

Wire Transfers

Wire transfer International$40

Check Services

Cashiers Checks (customer)$5
Cashiers Checks (non-customer)$10
Money Orders (customer)$3
Money Orders (non customer)$5
Stop Payment/Stop Payment Renewal$25
Counter Checks - First sheet of 3 Free$1

Digital & Electronic

Bill Pay (Commercial Accounts)$6
per month
Bill Pay (Small Business Accounts) 10 free bill payments &$0.50
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Use of Coin Counting Machine (customer)No charge
Returned Deposit Item Fee$6

Account Services

Notary Fee (customer)No charge
Notary Fee (non-customer)$5
Safe Deposit Box - Late Charge$10
Not compared: Box drilling or key fee
Safe Deposit Box - Lost Key$50
Not compared: Box drilling or key fee
Safe Deposit Box Drill Charge$175
Not compared: Box drilling or key fee
Safe Deposit Box Locker Stillwater Location 44 X 16 (annually)$350
per year
Safe Deposit Box Perry Location 10 X 10 (annually)$90
per year
Safe Deposit Box Perry Location 10 X 20 (annually)$110
per year
Safe Deposit Box Perry Location 3 X 10 (annually)$40
per year
Safe Deposit Box Perry Location 3 X 5 (annually)$15
per year
Safe Deposit Box Perry Location 5 X 10 (annually)$50
per year
Safe Deposit Box Perry Location 5 X 5 (annually)$20
per year
Safe Deposit Box Stillwater Location 10 X 10 (annually)$100
per year
Safe Deposit Box Stillwater Location 5 X 10 (annually)$60
per year

Gift & Prepaid Cards

Gift Card Fee$5

Other Fees

Statement Reprint$5

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Monthly Fee	$4	per month	None
Overdraft & NSF
Insufficient Funds Check Charge	$32	Not stated	None
Sweep - (Overdraft)	$10	Not stated	None
ATM & Card
Foreign ATM surcharge Fee	$1.50	Not stated	None
ATM/Check Card Replacement Card (all card styles)	$10	per item	None
Wire Transfers
Wire transfer International	$40	Not stated	None
Check Services
Cashiers Checks (customer)	$5	Not stated	None
Cashiers Checks (non-customer)	$10	Not stated	None
Money Orders (customer)	$3	Not stated	None
Money Orders (non customer)	$5	Not stated	None
Stop Payment/Stop Payment Renewal	$25	Not stated	None
Counter Checks - First sheet of 3 Free	$1	Not stated	None
Digital & Electronic
Bill Pay (Commercial Accounts)	$6	per month	None
Bill Pay (Small Business Accounts) 10 free bill payments &	$0.50Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Use of Coin Counting Machine (customer)	No charge	Not stated	None
Returned Deposit Item Fee	$6	Not stated	None
Account Services
Notary Fee (customer)	No charge	Not stated	None
Notary Fee (non-customer)	$5	Not stated	None
Safe Deposit Box - Late Charge	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box - Lost Key	$50Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Drill Charge	$175Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Locker Stillwater Location 44 X 16 (annually)	$350	per year	None
Safe Deposit Box Perry Location 10 X 10 (annually)	$90	per year	None
Safe Deposit Box Perry Location 10 X 20 (annually)	$110	per year	None
Safe Deposit Box Perry Location 3 X 10 (annually)	$40	per year	None
Safe Deposit Box Perry Location 3 X 5 (annually)	$15	per year	None
Safe Deposit Box Perry Location 5 X 10 (annually)	$50	per year	None
Safe Deposit Box Perry Location 5 X 5 (annually)	$20	per year	None
Safe Deposit Box Stillwater Location 10 X 10 (annually)	$100	per year	None
Safe Deposit Box Stillwater Location 5 X 10 (annually)	$60	per year	None
Gift & Prepaid Cards
Gift Card Fee	$5	Not stated	None
Other Fees
Statement Reprint	$5	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.