Municipal Trust and Savings Bank

Headquarters: Bourbonnais, Illinois
Charter: Bank
Assets: $382.2M
Fed district: Chicago

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

Source: its fee schedule, read Oct 21, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $6, the middle of its prices
Municipal Trust and Savings Bank: $4 to $25
Municipal Trust and Savings Bank: $4 to $25
U.S. median: no median
Overdraft (OD)
Compared at $45, its standard fee, the highest of its prices
Municipal Trust and Savings Bank: $10 to $45
Municipal Trust and Savings Bank: $10 to $45
U.S. median: no median
Wire Transfer (Domestic Out)
Municipal Trust and Savings Bank: $25
Municipal Trust and Savings Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 21, 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.

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Published fee schedule

Amounts from Municipal Trust and Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$10
per month
Monthly Maintenance (audience not stated, treated as personal)$5
per month
Monthly Maintenance (audience not stated, treated as personal)$4
per month
Monthly Maintenance (audience not stated, treated as personal)$6
per month
Monthly Maintenance (audience not stated, treated as personal)$10
per month
Monthly Maintenance (audience not stated, treated as personal)$7
per month
Monthly Maintenance (audience not stated, treated as personal)$5
per month
Monthly Maintenance (audience not stated, treated as personal)$25
per month
Monthly Maintenance$7
per month
Monthly Maintenance$5
per month
Monthly Maintenance$6
per month
Monthly Maintenance (audience not stated, treated as personal)$7
per month
Monthly service charge$6
per month
Monthly service charge (audience not stated, treated as personal)$6
per month
Account closed within 6 months$50
Dormant Account (no activity for 1 year)$10
per month
Account Reconciliation$15
Monthly paper statement fee$5
per month
Paper Statement Fee$5

Overdraft & NSF

Notification of Overdraft by Phone$10
Overdraft on Checking$35
Overdraft on Savings$45
per item
Automatic Transfer to cover overdraft$7

ATM & Card

ATM Card Replacement Fee$10
Visa Check Card Replacement Fee$10

Wire Transfers

Wire Transfers (Outgoing-Domestic)$25
Wire Transfers (Incoming-Domestic)$10
Wire Transfers (Outgoing-International)$60
Wire Transfers (Incoming-International)$40

Check Services

Cashier's & Official Checks-Customers >$5
Personal Money Orders-Up$4
Stop Payment - 6 months$35
Counter Checks$3
Not compared: Charged per page; comparison unavailable
per page · Counter Checks: $3.00 per page of 4 | Night Depository Services
Non-Customer Check Cashing3%

Digital & Electronic

2%-5% of amount: ACH Return\Stop Payment for 1 year$50
Bill Pay$5
per month

Cash & Deposit

Lost Key for Locked Night Depository Bag$10

Account Services

10 x 15 x 23 (Momence office only)$100
5 x 5 x 23 (Momence office only)$35
8 x 10 x 23 (Bourbonnais office only)$65
Late Charge (10 days after due)$20
Not compared: Box drilling or key fee
Safe Deposit Box 3 x 10 x 23$40
Safe Deposit Box 5 x 10 x 23$50
Vault Drilling (any reason)$150
Not compared: Box drilling or key fee
Legal Document Processing: Minimum$100

Other Fees

Loan Payoff Subsequent Requests$25

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$10	per month	None
Monthly Maintenance (audience not stated, treated as personal)	$5	per month	None
Monthly Maintenance (audience not stated, treated as personal)	$4	per month	None
Monthly Maintenance (audience not stated, treated as personal)	$6	per month	None
Monthly Maintenance (audience not stated, treated as personal)	$10	per month	None
Monthly Maintenance (audience not stated, treated as personal)	$7	per month	None
Monthly Maintenance (audience not stated, treated as personal)	$5	per month	None
Monthly Maintenance (audience not stated, treated as personal)	$25	per month	None
Monthly Maintenance	$7	per month	None
Monthly Maintenance	$5	per month	None
Monthly Maintenance	$6	per month	None
Monthly Maintenance (audience not stated, treated as personal)	$7	per month	None
Monthly service charge	$6	per month	None
Monthly service charge (audience not stated, treated as personal)	$6	per month	None
Account closed within 6 months	$50	Not stated	None
Dormant Account (no activity for 1 year)	$10	per month	None
Account Reconciliation	$15	Not stated	None
Monthly paper statement fee	$5	per month	None
Paper Statement Fee	$5	Not stated	None
Overdraft & NSF
Notification of Overdraft by Phone	$10	Not stated	None
Overdraft on Checking	$35	Not stated	None
Overdraft on Savings	$45	per item	None
Automatic Transfer to cover overdraft	$7	Not stated	None
ATM & Card
ATM Card Replacement Fee	$10	Not stated	None
Visa Check Card Replacement Fee	$10	Not stated	None
Wire Transfers
Wire Transfers (Outgoing-Domestic)	$25	Not stated	None
Wire Transfers (Incoming-Domestic)	$10	Not stated	None
Wire Transfers (Outgoing-International)	$60	Not stated	None
Wire Transfers (Incoming-International)	$40	Not stated	None
Check Services
Cashier's & Official Checks-Customers >	$5	Not stated	None
Personal Money Orders-Up	$4	Not stated	None
Stop Payment - 6 months	$35	Not stated	None
Counter Checks	$3Not compared: Charged per page; comparison unavailable	per page	Counter Checks: $3.00 per page of 4 \| Night Depository Services
Non-Customer Check Cashing	3%	Not stated	None
Digital & Electronic
2%-5% of amount: ACH Return\Stop Payment for 1 year	$50	Not stated	None
Bill Pay	$5	per month	None
Cash & Deposit
Lost Key for Locked Night Depository Bag	$10	Not stated	None
Account Services
10 x 15 x 23 (Momence office only)	$100	Not stated	None
5 x 5 x 23 (Momence office only)	$35	Not stated	None
8 x 10 x 23 (Bourbonnais office only)	$65	Not stated	None
Late Charge (10 days after due)	$20Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 3 x 10 x 23	$40	Not stated	None
Safe Deposit Box 5 x 10 x 23	$50	Not stated	None
Vault Drilling (any reason)	$150Not compared: Box drilling or key fee	Not stated	None
Legal Document Processing: Minimum	$100	Not stated	None
Other Fees
Loan Payoff Subsequent Requests	$25	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 21, 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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