Lake City Bank

Headquarters: Warsaw, Indiana
Charter: Bank
Assets: $7.2B
Fed district: Chicago

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

Source: its fee schedule, read Oct 17, 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 $7, the middle of its prices
Lake City Bank: $5 to $9
Lake City Bank: $5 to $9
U.S. median: no median
Overdraft (OD)
Compared at $35, its standard fee, the highest of its prices
Lake City Bank: $15 to $35
Lake City Bank: $15 to $35
U.S. median: no median
Non-Network ATM
Compared at $2.25, the middle of its prices
Lake City Bank: $2 to $2.50
Lake City Bank: $2 to $2.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Indiana, 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).
Indiana: Banks and credit unions headquartered in Indiana 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 Lake City Bank’s own schedules, with a source for each figure.

Account Maintenance

Essential Checking Monthly Maintenance Fee$5
per month
Monthly Maintenance Fee$9
per month
Early Closing fee$25
Escheatment fee$30
Inactive fee$6
per month
Charge-off Processing fee$30
per item · Per charged-off account
Indemnity Bond Preparation fee$35
per item
Undeliverable Address fee$6
per month · Per account

Overdraft & NSF

Overdraft (OD)$15
Overdraft Fee$35
per item

ATM & Card

ATM Non-LCB Usage fees$2.50
per transaction
Non-Network ATM$2

Wire Transfers

Wire Transfer Domestic (customers only) - Incoming$18
per item · Customers only
Wire Transfer International (customers only) Incoming$18

Check Services

Bank Drafts (customers only)$20
Cashier’s Check (customers only)$8
Stop Payment Order fee$35
Counter Check$2
per item
Images of processed items on statement$6
per item · Per statement (excluding Essential Checking and Getting Ahead Checking accounts)

Digital & Electronic

ACH personal transfers to another institution - Manual (LCB staff assisted)$8
per item · LCB staff assisted, per transaction
Lake City Bank Digital Bill Pay - Next day electronic delivery$5
Not compared: Per-occurrence charge, not monthly
per item · Per payment
Payments Lake City Bank Digital Bill Pay Next day paper check delivery$17

Account Services

Notary$2
per item

Retirement & IRA

IRA Termination fee$50

Fee	Amount	Basis	Note
Account Maintenance
Essential Checking Monthly Maintenance Fee	$5	per month	None
Monthly Maintenance Fee	$9	per month	None
Early Closing fee	$25	Not stated	None
Escheatment fee	$30	Not stated	None
Inactive fee	$6	per month	None
Charge-off Processing fee	$30	per item	Per charged-off account
Indemnity Bond Preparation fee	$35	per item	None
Undeliverable Address fee	$6	per month	Per account
Overdraft & NSF
Overdraft (OD)	$15	Not stated	None
Overdraft Fee	$35	per item	None
ATM & Card
ATM Non-LCB Usage fees	$2.50	per transaction	None
Non-Network ATM	$2	Not stated	None
Wire Transfers
Wire Transfer Domestic (customers only) - Incoming	$18	per item	Customers only
Wire Transfer International (customers only) Incoming	$18	Not stated	None
Check Services
Bank Drafts (customers only)	$20	Not stated	None
Cashier’s Check (customers only)	$8	Not stated	None
Stop Payment Order fee	$35	Not stated	None
Counter Check	$2	per item	None
Images of processed items on statement	$6	per item	Per statement (excluding Essential Checking and Getting Ahead Checking accounts)
Digital & Electronic
ACH personal transfers to another institution - Manual (LCB staff assisted)	$8	per item	LCB staff assisted, per transaction
Lake City Bank Digital Bill Pay - Next day electronic delivery	$5Not compared: Per-occurrence charge, not monthly	per item	Per payment
Payments Lake City Bank Digital Bill Pay Next day paper check delivery	$17	Not stated	None
Account Services
Notary	$2	per item	None
Retirement & IRA
IRA Termination fee	$50	Not stated	None

Correct a fee source

Oct 17, 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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