18 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 26, 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 Colorado, the Kansas City 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.
FlatIrons Bank · $370M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| FlatIrons Bank(this institution) | Boulder, CO | $370M | 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 |
| AmeriFirst Bank | Montgomery, AL | $364M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Commercial Bank & Trust Company | Monticello, AR | $364M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Desjardins Bank, National Association | Hallandale, FL | $362M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| 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 & Merchants Bank | Miamisburg, OH | $359M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank in Port Lavaca | Port Lavaca, TX | $361M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| First Nebraska Bank | Valley, NE | $371M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Shore Federal Savings and Loan Association | Salisbury, MD | $367M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| First State Bank | Stratford, TX | $372M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Georgia Community Bank | Albany, GA | $375M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Heritage Bank National Association | Spicer, MN | $361M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Logan Bank & Trust Company | Logan, WV | $359M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Native American Bank, National Association | Denver, CO | $362M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pioneer Bank | Stanley, VA | $372M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| ProGrowth Bank | Nicollet, MN | $365M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rabun County Bank | Clayton, GA | $362M | Monthly maintenance not published | Publishes Out-of-network ATM | 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 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 National Bank of Mount Dora | Mount Dora, FL | $358M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| United Roosevelt Savings Bank | Carteret, NJ | $381M | 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 $8.48 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
FlatIrons Bank 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 FlatIrons Bank’s own schedules, with a source for each figure.
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closure Fee (Within 60 days of opening) | $25 | Not stated | None |
| Dormant Account Fee | $30 | per month | None |
| Paper Statement Fee | $5 | per month | None |
| Paper Statements | $5 | Not stated | None |
Overdraft & NSF | |||
| Overdraft | $35 | per item | None |
| Returned Item (Per Presentment) | $35 | per item | None |
ATM & Card | |||
| Card Re-issue (Lost/Stolen Card) | $10 | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfer – Domestic (In Person/By Fax/Email) | $30 | Not stated | None |
| Outgoing Wire Transfer – Domestic (Online) | $18 | Not stated | None |
| Incoming Wire Transfer – Domestic | $10 | Not stated | None |
| Outgoing Wire Transfer – International (In Person/By Fax/Email) | $50 | Not stated | None |
| Outgoing Wire Transfer – International (Online) | $28 | Not stated | None |
| Incoming Wire Transfer – International | $12 | Not stated | None |
Check Services | |||
| Cashiers Checks (payable to third party) | $5 | Not stated | None |
| Stop Payment (in-person) | $32.50 | Not stated | None |
| Stop Payment (online) | $22.50 | Not stated | None |
| Foreign Collection Item | $30 | Not stated | None |
Digital & Electronic | |||
| ACH Batch Reversal or Deletion Fee | $25 | Not stated | None |
| ACH Per Batch Sent Fee | $12 | Not stated | None |
| ACH Same Day – Surcharge (Per Batch Sent) | $3 | Not stated | None |
Cash & Deposit | |||
| ACH Returns (Chargeback) | $15 | Not stated | None |
| Chargeback (Deposited Item) | $15 | Not stated | None |
| Chargeback Fee (Deposited item) | $15 | Not stated | None |
Account Services | |||
| Replacement Key | $30Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box (10 x 10) | $120 | per year | None |
| Safe Deposit Box (3 x 10) | $50 | per year | None |
| Safe Deposit Box (5 x 10) | $60 | per year | None |
| Safe Deposit Box Forced Entry | $175Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Lost Key | $25Not compared: Box drilling or key fee | Not stated | None |
| Garnishments, Levies, & Subpoenas | $175 | Not stated | None |
Other Fees | |||
| Locking (Courier) | $30 | Not stated | None |
Oct 26, 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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