Earlham Savings Bank

Headquarters: West Des Moines, Iowa
Charter: Bank
Assets: $382.5M
Fed district: Chicago

18 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.

Monthly Maintenance
Compared at $5, the middle of its prices
Earlham Savings Bank: $1 to $25
Earlham Savings Bank: $1 to $25
U.S. median: no median
Overdraft (OD)
Earlham Savings Bank: $25
Earlham Savings Bank: $25
U.S. median: no median
NSF / Returned Item
Earlham Savings Bank: $25
Earlham Savings Bank: $25
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 Iowa, the Chicago 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).
Iowa: Banks and credit unions headquartered in Iowa that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 Earlham Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Account Fees: AVOID THE MONTHLY MAINTENANCE FEE$25
per month
Account Fees: AVOID THE MONTHLY MAINTENANCE FEE BY account: EVANTAGE Maintenance Fee$10
per month · AVOID THE MONTHLY MAINTENANCE FEE BY account: EVANTAGE Maintenance Fee: $10.00** per
Checking Maintenance Fee$5
per month
Evantage Maintenance Fee$5
per month
Maintenance fee$15
per month
Maintenance Fee$1
per month
Regular Maintenance fee$2
Dormant Account Fee$5
per item
Savings account research / balancing assistance$25
Excessive Debit Fee$5
per item

Overdraft & NSF

Overdraft Fee$25
per item
Returned Item$25
per item
Overdraft Fee daily maximum$75

ATM & Card

ATM/Debit card replacement$10

Wire Transfers

EVERYDAY. At age 13 the: Wire Transfer - Outgoing wires through CXI$40
Wire Transfer - Outgoing Domestic$10
Not compared: Daily charge, not per item
per day
Wire - Incoming Domestic - Emergencies only$40
Wire Transfer - Incoming through Federal Reserve$40
Wire Transfer - Incoming using EBANK instructionsNo charge
Wire Transfer - Incoming wires through CXI$40
Wire Transfer - Outgoing Foreign$30

Check Services

Cashier's check$10
Cashier's Check$5
Stop Payments (check or ACH)$20
per item
Foreign Check Processing$5
per item

Digital & Electronic

AGE 12 & UNDER SAVINGS: ACH Origination Setup$15
per item

Cash & Deposit

Coin Machine10%($2 minimum)
Returned Deposited Item Fee$5
per item

Account Services

Safe Deposit Box drilling fee$30
Not compared: Box drilling or key fee
Safe Deposit Box duplicate key$20
Not compared: Box drilling or key fee
Garnishments$50
Levies$50

Gift & Prepaid Cards

Gift Card (prepaid VISA)$3

Other Fees

Paper copy of electronic disclosures$5
Not compared: Charged per document; comparison unavailable
per document · Paper copy of electronic disclosures: $5.00 per document
Photocopies$0.50
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Account Fees: AVOID THE MONTHLY MAINTENANCE FEE	$25	per month	None
Account Fees: AVOID THE MONTHLY MAINTENANCE FEE BY account: EVANTAGE Maintenance Fee	$10	per month	AVOID THE MONTHLY MAINTENANCE FEE BY account: EVANTAGE Maintenance Fee: $10.00** per
Checking Maintenance Fee	$5	per month	None
Evantage Maintenance Fee	$5	per month	None
Maintenance fee	$15	per month	None
Maintenance Fee	$1	per month	None
Regular Maintenance fee	$2	Not stated	None
Dormant Account Fee	$5	per item	None
Savings account research / balancing assistance	$25	Not stated	None
Excessive Debit Fee	$5	per item	None
Overdraft & NSF
Overdraft Fee	$25	per item	None
Returned Item	$25	per item	None
Overdraft Fee daily maximum	$75	Not stated	None
ATM & Card
ATM/Debit card replacement	$10	Not stated	None
Wire Transfers
EVERYDAY. At age 13 the: Wire Transfer - Outgoing wires through CXI	$40	Not stated	None
Wire Transfer - Outgoing Domestic	$10Not compared: Daily charge, not per item	per day	None
Wire - Incoming Domestic - Emergencies only	$40	Not stated	None
Wire Transfer - Incoming through Federal Reserve	$40	Not stated	None
Wire Transfer - Incoming using EBANK instructions	No charge	Not stated	None
Wire Transfer - Incoming wires through CXI	$40	Not stated	None
Wire Transfer - Outgoing Foreign	$30	Not stated	None
Check Services
Cashier's check	$10	Not stated	None
Cashier's Check	$5	Not stated	None
Stop Payments (check or ACH)	$20	per item	None
Foreign Check Processing	$5	per item	None
Digital & Electronic
AGE 12 & UNDER SAVINGS: ACH Origination Setup	$15	per item	None
Cash & Deposit
Coin Machine	10%($2 minimum)	Not stated	None
Returned Deposited Item Fee	$5	per item	None
Account Services
Safe Deposit Box drilling fee	$30Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box duplicate key	$20Not compared: Box drilling or key fee	Not stated	None
Garnishments	$50	Not stated	None
Levies	$50	Not stated	None
Gift & Prepaid Cards
Gift Card (prepaid VISA)	$3	Not stated	None
Other Fees
Paper copy of electronic disclosures	$5Not compared: Charged per document; comparison unavailable	per document	Paper copy of electronic disclosures: $5.00 per document
Photocopies	$0.50Not compared: Charged per page; comparison unavailable	per page	None

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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