First State Bank

Headquarters: Buxton, North Dakota
Charter: Bank
Assets: $424.2M
Fed district: Minneapolis

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

Source: its fee schedule, read Nov 1, 2026.

Explore Hamilton View published fees

Fees against the market

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

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

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

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

Account Maintenance

Dormant(1) Account Fee$5
per month
Dormant(1) Account Fee$5
per month

Overdraft & NSF

Overdraft Fee$30
per item
Overdraft Fee$30
per item
Returned Item Fee$30
per item
Returned Item Fee$30
per item
Continuous Overdraft Charge$30
Continuous Overdraft Charge$30
Overdraft Protection Transfer Fee$5
per item
Overdraft Protection Transfer Fee$5
per item
Returned Item Fee daily maximum$150
per day
Returned Item Fee daily maximum (audience not stated, treated as personal)$150
per day

ATM & Card

Card Replacement Fee$10
Not compared: Annual charge, not per item
per year

Wire Transfers

BDB Domestic Wire Transfer$30
per item
Domestic Wire Transfer$30
per item

Check Services

Cashier's Check$5
per item
Cashier's Check$5
per item
Money Order$4
per item
Money Order$4
per item
Stop Payment Fee$25
per item
Stop Payment Fee$25
per item
Counter Checks$5
Counter Checks$5
Check Cashing (Non Customer Only)1%($5 minimum)
Check Cashing (Non Customer Only) (audience not stated, treated as personal)1%($5 minimum)
Copy of Check, Deposit or Withdrawal$1
per item
Copy of Check, Deposit or Withdrawal$1
per item

Digital & Electronic

ACH Origination$25
Not compared: Monthly charge, not per item
per month
BDB ACH Origination$25
Not compared: Monthly charge, not per item
per month

Cash & Deposit

Returned Deposit Item/Cash Item$10
per item
Returned Deposit Item/Cash Item$10
per item

Account Services

Notary PublicNo charge
Notary PublicNo charge
Annual Rent 10 x 10$60
per year
Annual Rent 3 x 10$35
per year
Annual Rent 3.5 x 10$45
per year
Annual Rent 4 x 5$30
per year
Annual Rent 5 x 10$50
per year
Drill Lock$125
Not compared: Box drilling or key fee
Annual Rent 10 x 10$60
per year
Annual Rent 3 x 10$35
per year
Annual Rent 3 x 5$25
per year
Annual Rent 3.5 x 10$45
per year
Annual Rent 4 x 5$30
per year
Annual Rent 5 x 10$50
per year
Drill Lock$125
Not compared: Box drilling or key fee
Lost Key$50
Not compared: Box drilling or key fee
Safe Deposit Box Annual Rent 3 x 5$25
per year
Garnishment/Levy$25
per item
Garnishment/Levy$25
per item

Lending Fees

Late Charge$10
Not compared: Annual charge, not per item
per year
Late Charge$10
Not compared: Annual charge, not per item
per year

Other Fees

Account Research, Statement Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research, Statement Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Photocopies$0.25
Not compared: Charged per page; comparison unavailable
per page
Photocopies$0.25
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Dormant(1) Account Fee	$5	per month	None
Dormant(1) Account Fee	$5	per month	None
Overdraft & NSF
Overdraft Fee	$30	per item	None
Overdraft Fee	$30	per item	None
Returned Item Fee	$30	per item	None
Returned Item Fee	$30	per item	None
Continuous Overdraft Charge	$30	Not stated	None
Continuous Overdraft Charge	$30	Not stated	None
Overdraft Protection Transfer Fee	$5	per item	None
Overdraft Protection Transfer Fee	$5	per item	None
Returned Item Fee daily maximum	$150	per day	None
Returned Item Fee daily maximum (audience not stated, treated as personal)	$150	per day	None
ATM & Card
Card Replacement Fee	$10Not compared: Annual charge, not per item	per year	None
Wire Transfers
BDB Domestic Wire Transfer	$30	per item	None
Domestic Wire Transfer	$30	per item	None
Check Services
Cashier's Check	$5	per item	None
Cashier's Check	$5	per item	None
Money Order	$4	per item	None
Money Order	$4	per item	None
Stop Payment Fee	$25	per item	None
Stop Payment Fee	$25	per item	None
Counter Checks	$5	Not stated	None
Counter Checks	$5	Not stated	None
Check Cashing (Non Customer Only)	1%($5 minimum)	Not stated	None
Check Cashing (Non Customer Only) (audience not stated, treated as personal)	1%($5 minimum)	Not stated	None
Copy of Check, Deposit or Withdrawal	$1	per item	None
Copy of Check, Deposit or Withdrawal	$1	per item	None
Digital & Electronic
ACH Origination	$25Not compared: Monthly charge, not per item	per month	None
BDB ACH Origination	$25Not compared: Monthly charge, not per item	per month	None
Cash & Deposit
Returned Deposit Item/Cash Item	$10	per item	None
Returned Deposit Item/Cash Item	$10	per item	None
Account Services
Notary Public	No charge	Not stated	None
Notary Public	No charge	Not stated	None
<br>Annual Rent 10 x 10	$60	per year	None
<br>Annual Rent 3 x 10	$35	per year	None
<br>Annual Rent 3.5 x 10	$45	per year	None
<br>Annual Rent 4 x 5	$30	per year	None
<br>Annual Rent 5 x 10	$50	per year	None
<br>Drill Lock	$125Not compared: Box drilling or key fee	Not stated	None
Annual Rent 10 x 10	$60	per year	None
Annual Rent 3 x 10	$35	per year	None
Annual Rent 3 x 5	$25	per year	None
Annual Rent 3.5 x 10	$45	per year	None
Annual Rent 4 x 5	$30	per year	None
Annual Rent 5 x 10	$50	per year	None
Drill Lock	$125Not compared: Box drilling or key fee	Not stated	None
Lost Key	$50Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Annual Rent 3 x 5	$25	per year	None
Garnishment/Levy	$25	per item	None
Garnishment/Levy	$25	per item	None
Lending Fees
<br>Late Charge	$10Not compared: Annual charge, not per item	per year	None
Late Charge	$10Not compared: Annual charge, not per item	per year	None
Other Fees
Account Research, Statement Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research, Statement Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Photocopies	$0.25Not compared: Charged per page; comparison unavailable	per page	None
Photocopies	$0.25Not compared: Charged per page; comparison unavailable	per page	None

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

Correct a fee source

Nov 1, 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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