First State Bank

Headquarters: Irvington, Kentucky
Charter: Bank
Assets: $402.0M
Fed district: St. Louis

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

Source: its fee schedule, read Oct 16, 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 $4, the middle of its prices
First State Bank: $1 to $7
First State Bank: $1 to $7
U.S. median: no median
NSF / Returned Item
First State Bank: $20
First State Bank: $20
U.S. median: no median
Non-Network ATM
First State Bank: $0.75
First State Bank: $0.75
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Kentucky, the St. Louis 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).
Kentucky: Banks and credit unions headquartered in Kentucky that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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 First State Bank’s own schedules, with a source for each figure.

Account Maintenance

Service charge$7
per month
Service charge$1
per month
Account Record Research Fee; Per item charge (checks, statements, etc.)$5
per item

Overdraft & NSF

Return Item Charge$20

ATM & Card

ATM/Debit Card transactions at all other ATM's$0.75
ATM/Debit Card Replacement Fee$12
ATM/Debit Card -International (audience not stated, treated as personal)1%

Wire Transfers

Wire Transfer Outgoing ; " Customer Only" - Domestic$20
Wire Transfer Outgoing; "Customer Only" - International$50

Check Services

Cashier's Check - "Customer Only"$2
Stop Payment Request (if amount, payee and check number given)$20
Stop Payment Request (incomplete information)$40
Counter Check Fee; (per printed page)$1

Digital & Electronic

Internet Banking and Bill PaymentNo charge

Account Services

Notary ServiceNo charge
Safety Deposit Box; Drill and replace lock$75
Not compared: Box drilling or key fee
Safety Deposit Box; Lost Key (1)$20
Not compared: Box drilling or key fee
Tax Levy/Garnishment fee (amount determined by levy/garnishment-max of $50)$50

Fee	Amount	Basis	Note
Account Maintenance
Service charge	$7	per month	None
Service charge	$1	per month	None
Account Record Research Fee; Per item charge (checks, statements, etc.)	$5	per item	None
Overdraft & NSF
Return Item Charge	$20	Not stated	None
ATM & Card
ATM/Debit Card transactions at all other ATM's	$0.75	Not stated	None
ATM/Debit Card Replacement Fee	$12	Not stated	None
ATM/Debit Card -International (audience not stated, treated as personal)	1%	Not stated	None
Wire Transfers
Wire Transfer Outgoing ; " Customer Only" - Domestic	$20	Not stated	None
Wire Transfer Outgoing; "Customer Only" - International	$50	Not stated	None
Check Services
Cashier's Check - "Customer Only"	$2	Not stated	None
Stop Payment Request (if amount, payee and check number given)	$20	Not stated	None
Stop Payment Request (incomplete information)	$40	Not stated	None
Counter Check Fee; (per printed page)	$1	Not stated	None
Digital & Electronic
Internet Banking and Bill Payment	No charge	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Safety Deposit Box; Drill and replace lock	$75Not compared: Box drilling or key fee	Not stated	None
Safety Deposit Box; Lost Key (1)	$20Not compared: Box drilling or key fee	Not stated	None
Tax Levy/Garnishment fee (amount determined by levy/garnishment-max of $50)	$50	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 16, 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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