The First Citizens National Bank of Upper Sandusky

Headquarters: Upper Sandusky, Ohio
Charter: Bank
Assets: $389.9M
Fed district: Cleveland

19 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
CLASSIC CHECKING $4 · 1st Relationship Checking $7.50
Compared at $5.75, the middle of its prices
The First Citizens National Bank of Upper Sandusky: $4 to $7.50
The First Citizens National Bank of Upper Sandusky: $4 to $7.50
U.S. median: no median
NSF / Returned Item
The First Citizens National Bank of Upper Sandusky: $35
The First Citizens National Bank of Upper Sandusky: $35
U.S. median: no median
Non-Network ATM
The First Citizens National Bank of Upper Sandusky: $2.25
The First Citizens National Bank of Upper Sandusky: $2.25
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 Ohio, the Cleveland 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).
Ohio: Banks and credit unions headquartered in Ohio that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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 The First Citizens National Bank of Upper Sandusky’s own schedules, with a source for each figure.

Account Maintenance

Classic Checking Monthly service fee$4
per month · avoid the $4.00 monthly service fee, 15 point-of-sale debit transactions must post during the month OR maintain a minimum daily balance of $400
Monthly service fee$7.50
per month
Account Closing (Within 90 Days of Opening)$22
Checking Acount Inactivity Fee$5
Research Fee (Per Hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper statements$3
per month

Overdraft & NSF

Checking Non-sufficent Funds (NSF) Charge for Returning Per Presentment (NSF Return Fee)$35
per item
Savings Non-Sufficient Funds (NSF) Charge For Returning Per Presentment (NSF Return Fee)$35
per item
Overdraft Protection Charge, Per Transfer$8.50
per item

ATM & Card

Debit Card/ATM Card Use of Non-FCNB Owned ATM (FEE ATM CHK WITHDRAWAL)$2.25
per item · For use of non-FCNB owned ATMs
ATM Replacement Card$6.50
Debit Card Replacement Card$6.50

Wire Transfers

Wire Transfers/Outgoing$22
Wire Transfers/Incoming$11.50
Wire Transfers/International$55

Check Services

Cashier Checks$6.50
Certified Checks$11.50
Money Orders$6.50
Stop Payment (Good for 6 Months)$32
Counter Checks (Each)$0.50
per item
Check Cashing (On-Us Checks for Non-customers)$5

Cash & Deposit

Coin Sorting10%

Account Services

Notary Service$1
Garnishments/Tax Levies$53

Other Fees

Fax Service$6.25
per item
Photocopies (Per Page)$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Classic Checking Monthly service fee	$4	per month	avoid the $4.00 monthly service fee, 15 point-of-sale debit transactions must post during the month OR maintain a minimum daily balance of $400
Monthly service fee	$7.50	per month	None
Account Closing (Within 90 Days of Opening)	$22	Not stated	None
Checking Acount Inactivity Fee	$5	Not stated	None
Research Fee (Per Hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper statements	$3	per month	None
Overdraft & NSF
Checking Non-sufficent Funds (NSF) Charge for Returning Per Presentment (NSF Return Fee)	$35	per item	None
Savings Non-Sufficient Funds (NSF) Charge For Returning Per Presentment (NSF Return Fee)	$35	per item	None
Overdraft Protection Charge, Per Transfer	$8.50	per item	None
ATM & Card
Debit Card/ATM Card Use of Non-FCNB Owned ATM (FEE ATM CHK WITHDRAWAL)	$2.25	per item	For use of non-FCNB owned ATMs
ATM Replacement Card	$6.50	Not stated	None
Debit Card Replacement Card	$6.50	Not stated	None
Wire Transfers
Wire Transfers/Outgoing	$22	Not stated	None
Wire Transfers/Incoming	$11.50	Not stated	None
Wire Transfers/International	$55	Not stated	None
Check Services
Cashier Checks	$6.50	Not stated	None
Certified Checks	$11.50	Not stated	None
Money Orders	$6.50	Not stated	None
Stop Payment (Good for 6 Months)	$32	Not stated	None
Counter Checks (Each)	$0.50	per item	None
Check Cashing (On-Us Checks for Non-customers)	$5	Not stated	None
Cash & Deposit
Coin Sorting	10%	Not stated	None
Account Services
Notary Service	$1	Not stated	None
Garnishments/Tax Levies	$53	Not stated	None
Other Fees
Fax Service	$6.25	per item	None
Photocopies (Per Page)	$1Not 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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