OSB Community Bank

Headquarters: Ottawa, Illinois
Charter: Bank
Assets: $355.6M
Fed district: Chicago

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

Source: its fee schedule, read Oct 23, 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)
OSB Community Bank: $27.50
OSB Community Bank: $27.50
U.S. median: no median
NSF / Returned Item
OSB Community Bank: $27.50
OSB Community Bank: $27.50
U.S. median: no median
Non-Network ATM
OSB Community Bank: $2
OSB Community Bank: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 23, 2026View sources

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

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from OSB Community Bank’s own schedules, with a source for each figure.

Account Maintenance

Account Closed Within 90 Days of Opening$35
Dormant Account Fee – Checking/Savings (per month)$5
per month
Research Fee Per Hour (1 Hour Minimum)$35
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Funds Paid Charge (Per Item)$27.50
per item
Nonsufficient Funds Return Charge (Per Item)$27.50
per item
Return ACH Charge (Per Item)$27.50
per item
Dynamic Transfer Fee (Overdraft Sweep)$7

ATM & Card

Foreign ATM Transaction Fee (ATM not owned by OSB or in the Money Pass Network)$2
ATM or Debit Card Replacement Fee$10

Wire Transfers

Wire Transfer Fee – Domestic Outgoing$30
Wire Transfer Fee – Domestic Incoming$15

Check Services

Cashier’s Check$5
Stop Payment Fee (Per Item)$28
per item

Cash & Deposit

Loose Coin Counting – Non-customer10%

Account Services

Safe Deposit Box Rental Late Fee$10
Not compared: Box drilling or key fee
Levies, Liens, and Garnishments$50

Retirement & IRA

IRA Transfer Fee to Another Institution$50

Other Fees

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

Fee	Amount	Basis	Note
Account Maintenance
Account Closed Within 90 Days of Opening	$35	Not stated	None
Dormant Account Fee – Checking/Savings (per month)	$5	per month	None
Research Fee Per Hour (1 Hour Minimum)	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Funds Paid Charge (Per Item)	$27.50	per item	None
Nonsufficient Funds Return Charge (Per Item)	$27.50	per item	None
Return ACH Charge (Per Item)	$27.50	per item	None
Dynamic Transfer Fee (Overdraft Sweep)	$7	Not stated	None
ATM & Card
Foreign ATM Transaction Fee (ATM not owned by OSB or in the Money Pass Network)	$2	Not stated	None
ATM or Debit Card Replacement Fee	$10	Not stated	None
Wire Transfers
Wire Transfer Fee – Domestic Outgoing	$30	Not stated	None
Wire Transfer Fee – Domestic Incoming	$15	Not stated	None
Check Services
Cashier’s Check	$5	Not stated	None
Stop Payment Fee (Per Item)	$28	per item	None
Cash & Deposit
Loose Coin Counting – Non-customer	10%	Not stated	None
Account Services
Safe Deposit Box Rental Late Fee	$10Not compared: Box drilling or key fee	Not stated	None
Levies, Liens, and Garnishments	$50	Not stated	None
Retirement & IRA
IRA Transfer Fee to Another Institution	$50	Not stated	None
Other Fees
Fax Service (Per Page)	$1Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 23, 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 OSB Community Bank's foreign transaction changes in our data

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