Winnsboro State Bank & Trust Company

Headquarters: Winnsboro, Louisiana
Charter: Bank
Assets: $425.7M
Fed district: Dallas

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

Source: its fee schedule, read Oct 18, 2026.

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Fees against the market

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

Overdraft (OD)
Winnsboro State Bank & Trust Company: $36
Winnsboro State Bank & Trust Company: $36
U.S. median: no median
NSF / Returned Item
Winnsboro State Bank & Trust Company: $36
Winnsboro State Bank & Trust Company: $36
U.S. median: no median
Non-Network ATM
Winnsboro State Bank & Trust Company: $1
Winnsboro State Bank & Trust Company: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 2026View sources

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

Account Maintenance

Account Research per Hour (Minimum 1 Hour)$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Item Paid Charge$36
NSF Return Charge$36

ATM & Card

ATM WS Fee from non WSB ATMs$1
Replacement Debit Card$20

Fee	Amount	Basis	Note
Account Maintenance
Account Research per Hour (Minimum 1 Hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Item Paid Charge	$36	Not stated	None
NSF Return Charge	$36	Not stated	None
ATM & Card
ATM WS Fee from non WSB ATMs	$1	Not stated	None
Replacement Debit Card	$20	Not stated	None
Check Services
Stop Payment Fee (Check, Paper Draft, or ACH)	$36	Not stated	None
Other Fees
Statement Reprint	$5	Not stated	None

Showing 5 of 7 fees.

Correct a fee source

Oct 18, 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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