vs. U.S. typical range:LowerTypicalHigher
$7.50 above the national medianAt the Indiana median
per item · First six (6) months · Source
At the national medianAt the Indiana median
per month · 90 days inactive · Institution’s schedule
$10 above the national median$10 above the Indiana median
varies · 24 months inactive, quarterly charge · Institution’s schedule
$10 above the national median$10 above the Indiana median
per quarter · Source
$2 below the national median$2 below the Indiana median
per month · 90 days inactive · Institution’s schedule
$7.50 below the national median$8 below the Indiana median
per item · Institution’s schedule
$5 above the national median$5 above the Indiana median
$5 above the national median$5 above the Indiana median
per item · Institution’s schedule
At the national medianAt the Indiana median
per day · Institution’s schedule
At the national medianAt the Indiana median
per item · Source
$10 above the national median$15 above the Indiana median
per item · Source
$5 above the national median$10 above the Indiana median
per item · Source
$5 above the national median$5 above the Indiana median
per item · Source
At the national medianAt the Indiana median
per item · Source
$5 above the national median$6 above the Indiana median
per item · Source
$1 above the national median$1 above the Indiana median
per item · customers only · Institution’s schedule
$1 above the national median$1 above the Indiana median
per item · Source
$4 above the national median$4 above the Indiana median
per item · Source
$7.50 above the national median$5 above the Indiana median
per item · Source
$5 above the national medianAt the Indiana median
per item · Source
At the national medianAt the Indiana median
per item · Institution’s schedule
$55 above the national median$60 above the Indiana median
per year · Source
$5 above the national median$10 above the Indiana median
per year · Source
$30 above the national median$35 above the Indiana median
per year · Source
$10 below the national median$5 below the Indiana median
per year · Source
$130 above the national median$135 above the Indiana median
per item · Source
$25 below the national medianAt the Indiana median
per item · Per hour (1 hr. min.) · Source
$15 above the national median$17.50 above the Indiana median
per item · Institution’s schedule
$25 above the national median$25 above the Indiana median
per item · Source
$2 above the national median$2 above the Indiana median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Closed Account – First Six (6) Months | $25Within the typical range ($10–$25 nationally) | $7.50 above the national medianAt the Indiana median | per item | First six (6) months | Source |
| Dormant Account Fee – Checking | $5Within the typical range ($5–$10 nationally) | At the national medianAt the Indiana median | per month | 90 days inactive | Institution’s schedule |
| Dormant Account Fee – Savings | $15Above the typical range ($5–$10 nationally) | $10 above the national median$10 above the Indiana median | varies | 24 months inactive, quarterly charge | Institution’s schedule |
| Dormant Account Fee – Savings (24 months inactive) | $15Above the typical range ($5–$10 nationally) | $10 above the national median$10 above the Indiana median | per quarter | — | Source |
| Online Banking Inactivity Fee | $3Below the typical range ($5–$10 nationally) | $2 below the national median$2 below the Indiana median | per month | 90 days inactive | Institution’s schedule |
| Lost Passbook | $10Below the typical range ($12–$25 nationally) | $7.50 below the national median$8 below the Indiana median | per item | — | Institution’s schedule |
Overdraft & NSFVerified | |||||
| Overdraft: Check Paid | $35Above the typical range ($25–$33 nationally) | $5 above the national median$5 above the Indiana median | — | — | Source |
| Return Item: Non-Sufficient Funds Check Returned | $35 | ||||
ATM & CardVerified | |||||
| Debit/ATM Card Reissue | $10Within the typical range ($5–$10 nationally) | At the national medianAt the Indiana median | per item | — | Source |
| Debit/ATM Card Reissue – Expedited | $50 | ||||
Wire TransfersVerified | |||||
| Wire Transfer – Outgoing (Domestic) | $30Above the typical range ($20–$25 nationally) | $5 above the national median$10 above the Indiana median | per item | — | Source |
| Wire Transfer – Incoming (Domestic) | $15 | ||||
Check ServicesVerified | |||||
| Cashier's Check | $6Within the typical range ($3–$6 nationally) | $1 above the national median$1 above the Indiana median | per item | customers only | Institution’s schedule |
| Cashier’s Check (customers only) | $6 | ||||
Account ServicesVerified | |||||
| 10” X 10” (CP + D + S) | $100Above the typical range ($30–$70 nationally) | $55 above the national median$60 above the Indiana median | per year | — | Source |
| 3” X 10” (D + S) | $50 | ||||
Retirement & IRAVerified | |||||
| IRA Custodian Transfer Processing (Outgoing) | $50Above the typical range ($25–$35 nationally) | $25 above the national median$25 above the Indiana median | per item | — | Source |
Other FeesVerified | |||||
| Statement Copy | $5Within the typical range ($2–$5 nationally) | $2 above the national median$2 above the Indiana median | — | — | Source |
Its state has too few comparable institutions, so these are its Fed district peers.
Overdraft
$35.00
Of 116 others that publish it, 86 lower, 23 the same and 7 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$35
Headline fees published
9 of 15
Published fees
30
Under review
0
Assets
$383.0M
Work at American Community Bank of Indiana? See every fee vs. your peers.
Fee Insight Pro
Need this every month, for your whole team?
Pro gives up to 5 people the Hamilton workspace: your fees against peers you pick, a watchlist of competitor fee changes, and cited board-ready reports.
Financial Context
Financials as of Q2 2026 · FDIC call report
Total assets
$383.0M
Total deposits
$344.8M
Service charge income
$47K
Fee income ratio
1.1%
Return on assets
0.99%
Branches
5
Service charge income by quarter
Financial profile · Pro
Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.
| $5 above the national median$5 above the Indiana median |
| per item |
| — |
| Institution’s schedule |
| Overdraft Protection Processing (Sweep) Fee | $5Within the typical range ($2.50–$5 nationally) | At the national medianAt the Indiana median | per day | — | Institution’s schedule |
| $10 above the national median$15 above the Indiana median |
| per item |
| — |
| Source |
| $5 above the national median$5 above the Indiana median |
| per item |
| — |
| Source |
| Wire Transfer – Outgoing (International) | $50Within the typical range ($40–$50 nationally) | At the national medianAt the Indiana median | per item | — | Source |
| Wire Transfer – Incoming (International) | $25Within the typical range ($10–$25 nationally) | $5 above the national median$6 above the Indiana median | per item | — | Source |
| $1 above the national median$1 above the Indiana median |
| per item |
| — |
| Source |
| Money Orders | $6Above the typical range ($1.50–$3 nationally) | $4 above the national median$4 above the Indiana median | per item | — | Source |
| Stop Payment | $35Above the typical range ($20–$30 nationally) | $7.50 above the national median$5 above the Indiana median | per item | — | Source |
| Canadian Item Accepted for Deposit | $25Within the typical range ($10–$25 nationally) | $5 above the national medianAt the Indiana median | per item | — | Source |
| Check Copy | $3Within the typical range ($2–$5 nationally) | At the national medianAt the Indiana median | per item | — | Institution’s schedule |
| $5 above the national median$10 above the Indiana median |
| per year |
| — |
| Source |
| 5” X 10” (CP + D + S) | $75Above the typical range ($30–$70 nationally) | $30 above the national median$35 above the Indiana median | per year | — | Source |
| 5” X 5” (S only) | $35Within the typical range ($30–$70 nationally) | $10 below the national median$5 below the Indiana median | per year | — | Source |
| Safe Deposit Box – Lost Key/Lock Drilled | $175Above the typical range ($30–$70 nationally) | $130 above the national median$135 above the Indiana median | per item | — | Source |
| Account Research & Court Orders (Levy/Collections/Citations) | $25Below the typical range ($30–$87.50 nationally) | $25 below the national medianAt the Indiana median | per item | Per hour (1 hr. min.) | Source |
| Deposit Verification | $25Above the typical range ($5–$15 nationally) | $15 above the national median$17.50 above the Indiana median | per item | — | Institution’s schedule |