Citizens First Bank

Headquarters: Viroqua, Wisconsin
Charter: Bank
Assets: $344.5M
Fed district: Chicago

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

Source: its fee schedule, read Nov 3, 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
Premium Checking
Citizens First Bank: $10
Citizens First Bank: $10
U.S. median: no median
Overdraft (OD)
Citizens First Bank: $30
Citizens First Bank: $30
U.S. median: no median
Non-Network ATM
Citizens First Bank: $5
Citizens First Bank: $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

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

Account Maintenance

Monthly Maintenance Fee (if balance requirements are not met)$10
per month
Early Account Closing (within 90 days of opening)$20
Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Research$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Item Paid$30
Continuous overdraft in an account for 3 business days or more$3

ATM & Card

ATM Fee$5
Replacement Debit Card$15
Foreign Transaction Fee1%of the transaction
per transaction

Wire Transfers

US Wire Transfer (outgoing)$20
Wire Transfer (incoming)$10
International Wire Transfer (outgoing)$45

Check Services

Cashiers Check$3
Money Order$2
Check Stop Payment$20
Counter Check$0.25
per item

Digital & Electronic

ACH Payment Returned or Stopped$20

Cash & Deposit

Deposited Item Returned$10

Account Services

Lock Boxes 3×5$15
per year
Replacement Key$10
Not compared: Box drilling or key fee
Safe Deposit Box 4X5$15
per year

Lending Fees

Late Payment$1
Not compared: Monthly charge, not per item
per month

Other Fees

Fax (incoming and outgoing)$1
Not compared: Charged per page; comparison unavailable
per page
Photocopies$0.25
Not compared: Charged per page; comparison unavailable
per page
Special Statement Request$4

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Fee (if balance requirements are not met)	$10	per month	None
Early Account Closing (within 90 days of opening)	$20	Not stated	None
Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Item Paid	$30	Not stated	None
Continuous overdraft in an account for 3 business days or more	$3	Not stated	None
ATM & Card
ATM Fee	$5	Not stated	None
Replacement Debit Card	$15	Not stated	None
Foreign Transaction Fee	1%of the transaction	per transaction	None
Wire Transfers
US Wire Transfer (outgoing)	$20	Not stated	None
Wire Transfer (incoming)	$10	Not stated	None
International Wire Transfer (outgoing)	$45	Not stated	None
Check Services
Cashiers Check	$3	Not stated	None
Money Order	$2	Not stated	None
Check Stop Payment	$20	Not stated	None
Counter Check	$0.25	per item	None
Digital & Electronic
ACH Payment Returned or Stopped	$20	Not stated	None
Cash & Deposit
Deposited Item Returned	$10	Not stated	None
Account Services
Lock Boxes 3×5	$15	per year	None
Replacement Key	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 4X5	$15	per year	None
Lending Fees
Late Payment	$1Not compared: Monthly charge, not per item	per month	None
Other Fees
Fax (incoming and outgoing)	$1Not compared: Charged per page; comparison unavailable	per page	None
Photocopies	$0.25Not compared: Charged per page; comparison unavailable	per page	None
Special Statement Request	$4	Not stated	None

Correct a fee source

Nov 3, 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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