21 published fees; none has a market median to compare yet.
Source: its fee schedule, read Apr 20, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Indiana, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
American Community Bank of Indiana · $383M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| American Community Bank of Indiana(this institution) | Saint John, IN | $383M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 5Star Bank | Colorado Springs, CO | $378M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| BankGloucester | Gloucester, MA | $387M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Central Bank | Tampa, FL | $387M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Earlham Savings Bank | West Des Moines, IA | $383M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| ESB Financial | Emporia, KS | $381M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers State Bank | Center, TX | $391M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank of Clarksdale | Clarksdale, MS | $386M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First State Bank | Lynnville, IA | $384M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Georgia Community Bank | Albany, GA | $375M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Great Plains State Bank | Petersburg, NE | $392M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Merchants & Planters' Bank | Newport, AR | $379M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Municipal Trust and Savings Bank | Bourbonnais, IL | $382M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| New Valley Bank & Trust | Springfield, MA | $385M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pinnacle Bank | Jasper, AL | $385M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| RockPointBank, National Association | Chattanooga, TN | $384M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sandhills State Bank | North Platte, NE | $383M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Fahey Banking Company | Marion, OH | $385M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Farmers Bank of Appomattox | Appomattox, VA | $375M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First Citizens National Bank of Upper Sandusky | Upper Sandusky, OH | $390M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Fisher National Bank | Fisher, IL | $376M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Harbor Bank of Maryland | Baltimore, MD | $383M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| THE HOME LOAN SAVINGS BANK | Coshocton, OH | $387M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Peoples Community Bank | Mazomanie, WI | $389M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| United Roosevelt Savings Bank | Carteret, NJ | $381M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Universal Bank | West Covina, CA | $388M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.73 among 16 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
American Community Bank of Indiana does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Amounts from American Community Bank of Indiana’s own schedules, with a source for each figure.
per item · First six (6) months
per month · 90 days inactive
varies · 24 months inactive, quarterly charge
per quarter
per month · 90 days inactive
per item
per year
per year
per year
per year
per item
per item · Per hour (1 hr. min.)
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closed Account – First Six (6) Months | $25 | per item | First six (6) months |
| Dormant Account Fee – Checking | $5 | per month | 90 days inactive |
| Dormant Account Fee – Savings | $15 | varies | 24 months inactive, quarterly charge |
| Dormant Account Fee – Savings (24 months inactive) | $15Not compared: Quarterly charge, not monthly | per quarter | None |
| Online Banking Inactivity Fee | $3 | per month | 90 days inactive |
| Lost Passbook | $10 | per item | None |
Overdraft & NSF | |||
| Overdraft: ATM/POS Withdrawal | $35 | Not stated | None |
| Overdraft: Check Paid | $35 | Not stated | None |
| Overdraft: In Person | $35 | Not stated | None |
| Return Item: Non-Sufficient Funds Check Returned | $35 | per item | None |
| Overdraft Protection Processing (Sweep) Fee | $5Not compared: Daily charge, not per item | per day | None |
ATM & Card | |||
| Debit/ATM Card Reissue | $10 | per item | None |
| Debit/ATM Card Reissue – Expedited | $50 | per item | None |
Wire Transfers | |||
| Wire Transfer – Outgoing (Domestic) | $30 | per item | None |
| Wire Transfer – Incoming (Domestic) | $15 | per item | None |
| Wire Transfer – Outgoing (International) | $50 | per item | None |
| Wire Transfer – Incoming (International) | $25 | per item | None |
Check Services | |||
| Cashier's Check | $6 | per item | customers only |
| Cashier’s Check (customers only) | $6 | per item | None |
| Money Orders | $6 | per item | None |
| Stop Payment | $35 | per item | None |
| Canadian Item Accepted for Deposit | $25 | per item | None |
| Check Copy | $3 | per item | None |
Account Services | |||
| 10” X 10” (CP + D + S) | $100 | per year | None |
| 3” X 10” (D + S) | $50 | per year | None |
| 5” X 10” (CP + D + S) | $75 | per year | None |
| 5” X 5” (S only) | $35 | per year | None |
| Safe Deposit Box – Lost Key/Lock Drilled | $175Not compared: Box drilling or key fee | per item | None |
| Account Research & Court Orders (Levy/Collections/Citations) | $25 | per item | Per hour (1 hr. min.) |
| Deposit Verification | $25 | per item | None |
Retirement & IRA | |||
| IRA Custodian Transfer Processing (Outgoing) | $50 | per item | None |
Other Fees | |||
| Statement Copy | $5 | Not stated | None |
Apr 20, 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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