The Citizens National Bank of Park Rapids

Headquarters: Park Rapids, Minnesota
Charter: Bank
Assets: $397.0M
Fed district: Minneapolis
Regulator: OCC
Holding company: Park Rapids Bancshares Inc.

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

Source: its fee schedule, read Oct 20, 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)
The Citizens National Bank of Park Rapids: $30
The Citizens National Bank of Park Rapids: $30
U.S. median: no median
NSF / Returned Item
The Citizens National Bank of Park Rapids: $20
The Citizens National Bank of Park Rapids: $20
U.S. median: no median
Wire Transfer (Domestic Out)
The Citizens National Bank of Park Rapids: $20
The Citizens National Bank of Park Rapids: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 20, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Minnesota, 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).
Minnesota: Banks and credit unions headquartered in Minnesota 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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Among its peers

The Citizens National Bank of Park Rapids · $397M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$389M to $404M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
The Citizens National Bank of Park Rapids(this institution)	Park Rapids, MN	$397M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Ascendia Bank	Glen Rock, NJ	$395M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Balboa Thrift and Loan Association	Chula Vista, CA	$394M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Bank of St. Francisville	Saint Francisville, LA	$399M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Big Horn Federal Savings Bank	Greybull, WY	$400M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Community Bank of Santa Maria	Santa Maria, CA	$397M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	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 Iowa State Bank	Albia, IA	$396M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Secure Bank and Trust Co.	Palos Hills, IL	$396M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First State Bank	Irvington, KY	$402M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
FORTE BANK	Hartford, WI	$404M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Grant County State Bank	Swayzee, IN	$396M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Great Plains State Bank	Petersburg, NE	$392M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
GreenWay Bank	Van Wert, OH	$402M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Locality Bank	Fort Lauderdale, FL	$396M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Peoples State Bank of Hallettsville	Hallettsville, TX	$396M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Peoples Trust Company of St. Albans	Saint Albans, VT	$395M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Pony Express Bank	Braymer, MO	$399M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Bank of Glen Burnie	Glen Burnie, MD	$395M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Clinton National Bank	Clinton, IA	$396M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Community State Bank	Poteau, OK	$393M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	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 Peoples Community Bank	Mazomanie, WI	$389M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Security National Bank of Enid	Enid, OK	$400M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Shelby State Bank	Shelby, MI	$397M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
TrustTexas Bank, SSB	Cuero, TX	$393M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

The Citizens National Bank of Park Rapids does not publish a monthly maintenance fee in the index.

The peer median is $5.75 among 15 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 Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

The Citizens National Bank of Park Rapids does not publish a monthly maintenance fee, so it is not on this chart.

The Citizens National Ban…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from The Citizens National Bank of Park Rapids’s own schedules, with a source for each figure.

Account Maintenance

Low Balance Savings Fee$2
Not compared: Quarterly charge, not monthly
per quarter
Abandoned Account$30
Returned Statement$5

Overdraft & NSF

Overdrafts (per item)$30
per item
Return check fee$20

ATM & Card

Replace Debit/ATM Card$10

Wire Transfers

Wire Transfers: Outgoing (all)$20
Wire Transfers: Incoming (customer)$10
Wire Transfers: Incoming (non-customer)$20

Check Services

Cashier’s Checks$5
Money Orders$3
Stop Payment Request$25
12 Temporary Checks$3
Copy of Check$1

Account Services

Notary (non-customer)$5
Deposit Box Drilling$150
Not compared: Box drilling or key fee
Safe Deposit Box 16” x 16” x 21”$120
Safe Deposit Box 3” x 10” x 21”$35
Safe Deposit Box 3” x 5” x 21”$20
Safe Deposit Box 5” x 10” x 21”$45
per item
Safe Deposit Box 8” x 10” x 21”$65
Garnishments/Levies$50

Other Fees

Copy of Statement$2
Incoming Fax - Each Page$1
per item
Outgoing Fax 1-5 pgs$5

Fee	Amount	Basis	Note
Account Maintenance
Low Balance Savings Fee	$2Not compared: Quarterly charge, not monthly	per quarter	None
Abandoned Account	$30	Not stated	None
Returned Statement	$5	Not stated	None
Overdraft & NSF
Overdrafts (per item)	$30	per item	None
Return check fee	$20	Not stated	None
ATM & Card
Replace Debit/ATM Card	$10	Not stated	None
Wire Transfers
Wire Transfers: Outgoing (all)	$20	Not stated	None
Wire Transfers: Incoming (customer)	$10	Not stated	None
Wire Transfers: Incoming (non-customer)	$20	Not stated	None
Check Services
Cashier’s Checks	$5	Not stated	None
Money Orders	$3	Not stated	None
Stop Payment Request	$25	Not stated	None
12 Temporary Checks	$3	Not stated	None
Copy of Check	$1	Not stated	None
Account Services
Notary (non-customer)	$5	Not stated	None
Deposit Box Drilling	$150Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 16” x 16” x 21”	$120	Not stated	None
Safe Deposit Box 3” x 10” x 21”	$35	Not stated	None
Safe Deposit Box 3” x 5” x 21”	$20	Not stated	None
Safe Deposit Box 5” x 10” x 21”	$45	per item	None
Safe Deposit Box 8” x 10” x 21”	$65	Not stated	None
Garnishments/Levies	$50	Not stated	None
Other Fees
Copy of Statement	$2	Not stated	None
Incoming Fax - Each Page	$1	per item	None
Outgoing Fax 1-5 pgs	$5	Not stated	None

Correct a fee source

Oct 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.

Fee change alerts

Get an email when The Citizens National Bank of Park Rapids's foreign transaction changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Overdraft (OD)
The Citizens National Bank of Park Rapids: $30
The Citizens National Bank of Park Rapids: $30
U.S. median: no median
NSF / Returned Item
The Citizens National Bank of Park Rapids: $20
The Citizens National Bank of Park Rapids: $20
U.S. median: no median
Wire Transfer (Domestic Out)
The Citizens National Bank of Park Rapids: $20
The Citizens National Bank of Park Rapids: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 20, 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).
Minnesota: Banks and credit unions headquartered in Minnesota 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.

Among its peers

The Citizens National Bank of Park Rapids · $397M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$389M to $404M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
The Citizens National Bank of Park Rapids(this institution)	Park Rapids, MN	$397M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Ascendia Bank	Glen Rock, NJ	$395M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Balboa Thrift and Loan Association	Chula Vista, CA	$394M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Bank of St. Francisville	Saint Francisville, LA	$399M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Big Horn Federal Savings Bank	Greybull, WY	$400M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Community Bank of Santa Maria	Santa Maria, CA	$397M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	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 Iowa State Bank	Albia, IA	$396M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Secure Bank and Trust Co.	Palos Hills, IL	$396M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First State Bank	Irvington, KY	$402M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
FORTE BANK	Hartford, WI	$404M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Grant County State Bank	Swayzee, IN	$396M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Great Plains State Bank	Petersburg, NE	$392M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
GreenWay Bank	Van Wert, OH	$402M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Locality Bank	Fort Lauderdale, FL	$396M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Peoples State Bank of Hallettsville	Hallettsville, TX	$396M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Peoples Trust Company of St. Albans	Saint Albans, VT	$395M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Pony Express Bank	Braymer, MO	$399M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Bank of Glen Burnie	Glen Burnie, MD	$395M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Clinton National Bank	Clinton, IA	$396M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Community State Bank	Poteau, OK	$393M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	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 Peoples Community Bank	Mazomanie, WI	$389M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Security National Bank of Enid	Enid, OK	$400M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Shelby State Bank	Shelby, MI	$397M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
TrustTexas Bank, SSB	Cuero, TX	$393M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

The Citizens National Bank of Park Rapids does not publish a monthly maintenance fee in the index.

The peer median is $5.75 among 15 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 Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

The Citizens National Bank of Park Rapids does not publish a monthly maintenance fee, so it is not on this chart.

The Citizens National Ban…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from The Citizens National Bank of Park Rapids’s own schedules, with a source for each figure.

Account Maintenance

Low Balance Savings Fee$2
Not compared: Quarterly charge, not monthly
per quarter
Abandoned Account$30
Returned Statement$5

Overdraft & NSF

Overdrafts (per item)$30
per item
Return check fee$20

ATM & Card

Replace Debit/ATM Card$10

Wire Transfers

Wire Transfers: Outgoing (all)$20
Wire Transfers: Incoming (customer)$10
Wire Transfers: Incoming (non-customer)$20

Check Services

Cashier’s Checks$5
Money Orders$3
Stop Payment Request$25
12 Temporary Checks$3
Copy of Check$1

Account Services

Notary (non-customer)$5
Deposit Box Drilling$150
Not compared: Box drilling or key fee
Safe Deposit Box 16” x 16” x 21”$120
Safe Deposit Box 3” x 10” x 21”$35
Safe Deposit Box 3” x 5” x 21”$20
Safe Deposit Box 5” x 10” x 21”$45
per item
Safe Deposit Box 8” x 10” x 21”$65
Garnishments/Levies$50

Other Fees

Copy of Statement$2
Incoming Fax - Each Page$1
per item
Outgoing Fax 1-5 pgs$5

Fee	Amount	Basis	Note
Account Maintenance
Low Balance Savings Fee	$2Not compared: Quarterly charge, not monthly	per quarter	None
Abandoned Account	$30	Not stated	None
Returned Statement	$5	Not stated	None
Overdraft & NSF
Overdrafts (per item)	$30	per item	None
Return check fee	$20	Not stated	None
ATM & Card
Replace Debit/ATM Card	$10	Not stated	None
Wire Transfers
Wire Transfers: Outgoing (all)	$20	Not stated	None
Wire Transfers: Incoming (customer)	$10	Not stated	None
Wire Transfers: Incoming (non-customer)	$20	Not stated	None
Check Services
Cashier’s Checks	$5	Not stated	None
Money Orders	$3	Not stated	None
Stop Payment Request	$25	Not stated	None
12 Temporary Checks	$3	Not stated	None
Copy of Check	$1	Not stated	None
Account Services
Notary (non-customer)	$5	Not stated	None
Deposit Box Drilling	$150Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 16” x 16” x 21”	$120	Not stated	None
Safe Deposit Box 3” x 10” x 21”	$35	Not stated	None
Safe Deposit Box 3” x 5” x 21”	$20	Not stated	None
Safe Deposit Box 5” x 10” x 21”	$45	per item	None
Safe Deposit Box 8” x 10” x 21”	$65	Not stated	None
Garnishments/Levies	$50	Not stated	None
Other Fees
Copy of Statement	$2	Not stated	None
Incoming Fax - Each Page	$1	per item	None
Outgoing Fax 1-5 pgs	$5	Not stated	None

Correct a fee source

Oct 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.