First National Bank of Hereford

Headquarters: Hereford, Texas
Charter: Bank
Assets: $344.6M
Fed district: Dallas

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

Source: its fee schedule, read Nov 4, 2026.

Explore Hamilton View published fees

Fees against the market

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

NSF / Returned Item
First National Bank of Hereford: $20
First National Bank of Hereford: $20
U.S. median: no median
Non-Network ATM
First National Bank of Hereford: $1
First National Bank of Hereford: $1
U.S. median: no median
Stop Payment
First National Bank of Hereford: $15
First National Bank of Hereford: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas 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).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas 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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Among its peers

First National Bank of Hereford · $345M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$334M to $355M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First National Bank of Hereford(this institution)	Hereford, TX	$345M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Alamosa State Bank	Alamosa, CO	$340M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Bank of Alma	Alma, WI	$340M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bath State Bank	Bath, IN	$338M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Charles River Bank	Medway, MA	$336M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens First Bank	Viroqua, WI	$344M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens National Bank of Albion	Albion, IL	$349M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Bank of Raymore	Raymore, MO	$347M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cowboy Bank	Kremlin, OK	$350M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cumberland Federal Bank, FSB	Cumberland, WI	$342M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Eastern Savings Bank, FSB	Hunt Valley, MD	$336M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Farmers and Merchants Bank of St. Clair	Saint Clair, MO	$343M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Farmers State Bank of Alto Pass, Ill.	Alto Pass, IL	$342M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Frontier Bank	Sioux Falls, SD	$349M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Glenwood State Bank	Glenwood, IA	$353M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Great Southern Bank	Meridian, MS	$355M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Harvest Bank	Kimball, MN	$355M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Iowa State Bank and Trust Company of Fairfield, Iowa	Fairfield, IA	$352M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Ireland Bank	Malad City, ID	$355M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Kaw Valley Bank	Topeka, KS	$340M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Citizens Bank Company	Beverly, OH	$335M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The First Security Bank	Beaver, OK	$335M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The National Bank of Andrews	Andrews, TX	$341M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Traditions First Bank	Erin, TN	$337M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Ultima Bank Minnesota	Winger, MN	$334M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Waumandee State Bank	Waumandee, WI	$345M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

First National Bank of Hereford does not publish a monthly maintenance fee in the index.

The peer median is $7.25 among 12 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

First National Bank of Hereford does not publish a monthly maintenance fee, so it is not on this chart.

First National Bank of He…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from First National Bank of Hereford’s own schedules, with a source for each figure.

Account Maintenance

Statement reconciliation - hourly$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

NSF Return check charge (per item)$20
per item

ATM & Card

ATM use at off premise location$1
ATM Card/Debit Card re-issue fee$5

Check Services

Bank Cashier Checks, CustomerNo charge
Stop payment charge$15
Cashing checks (audience not stated, treated as personal)3%
Cashing checks3%

Account Services

Safe Deposit Box 10 X 10$30
per year
Safe Deposit Box 3 X 10$15
per year
Safe Deposit Box 3 X 5$10
per year
Safe Deposit Box 5 X 10$20
per year

Other Fees

Fax Service: Per page after five$0.50
per item
Photocopies$0.50

Fee	Amount	Basis	Note
Account Maintenance
Statement reconciliation - hourly	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
NSF Return check charge (per item)	$20	per item	None
ATM & Card
ATM use at off premise location	$1	Not stated	None
ATM Card/Debit Card re-issue fee	$5	Not stated	None
Check Services
Bank Cashier Checks, Customer	No charge	Not stated	None
Stop payment charge	$15	Not stated	None
Cashing checks (audience not stated, treated as personal)	3%	Not stated	None
Cashing checks	3%	Not stated	None
Account Services
Safe Deposit Box 10 X 10	$30	per year	None
Safe Deposit Box 3 X 10	$15	per year	None
Safe Deposit Box 3 X 5	$10	per year	None
Safe Deposit Box 5 X 10	$20	per year	None
Other Fees
Fax Service: Per page after five	$0.50	per item	None
Photocopies	$0.50	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

Nov 4, 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 First National Bank of Hereford's monthly maintenance changes in our data

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

Fees against the market

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

NSF / Returned Item
First National Bank of Hereford: $20
First National Bank of Hereford: $20
U.S. median: no median
Non-Network ATM
First National Bank of Hereford: $1
First National Bank of Hereford: $1
U.S. median: no median
Stop Payment
First National Bank of Hereford: $15
First National Bank of Hereford: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas 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).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas 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.

Among its peers

First National Bank of Hereford · $345M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$334M to $355M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First National Bank of Hereford(this institution)	Hereford, TX	$345M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Alamosa State Bank	Alamosa, CO	$340M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Bank of Alma	Alma, WI	$340M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bath State Bank	Bath, IN	$338M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Charles River Bank	Medway, MA	$336M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens First Bank	Viroqua, WI	$344M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens National Bank of Albion	Albion, IL	$349M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Bank of Raymore	Raymore, MO	$347M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cowboy Bank	Kremlin, OK	$350M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cumberland Federal Bank, FSB	Cumberland, WI	$342M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Eastern Savings Bank, FSB	Hunt Valley, MD	$336M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Farmers and Merchants Bank of St. Clair	Saint Clair, MO	$343M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Farmers State Bank of Alto Pass, Ill.	Alto Pass, IL	$342M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Frontier Bank	Sioux Falls, SD	$349M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Glenwood State Bank	Glenwood, IA	$353M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Great Southern Bank	Meridian, MS	$355M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Harvest Bank	Kimball, MN	$355M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Iowa State Bank and Trust Company of Fairfield, Iowa	Fairfield, IA	$352M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Ireland Bank	Malad City, ID	$355M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Kaw Valley Bank	Topeka, KS	$340M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Citizens Bank Company	Beverly, OH	$335M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The First Security Bank	Beaver, OK	$335M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The National Bank of Andrews	Andrews, TX	$341M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Traditions First Bank	Erin, TN	$337M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Ultima Bank Minnesota	Winger, MN	$334M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Waumandee State Bank	Waumandee, WI	$345M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

First National Bank of Hereford does not publish a monthly maintenance fee in the index.

The peer median is $7.25 among 12 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

First National Bank of Hereford does not publish a monthly maintenance fee, so it is not on this chart.

First National Bank of He…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from First National Bank of Hereford’s own schedules, with a source for each figure.

Account Maintenance

Statement reconciliation - hourly$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

NSF Return check charge (per item)$20
per item

ATM & Card

ATM use at off premise location$1
ATM Card/Debit Card re-issue fee$5

Check Services

Bank Cashier Checks, CustomerNo charge
Stop payment charge$15
Cashing checks (audience not stated, treated as personal)3%
Cashing checks3%

Account Services

Safe Deposit Box 10 X 10$30
per year
Safe Deposit Box 3 X 10$15
per year
Safe Deposit Box 3 X 5$10
per year
Safe Deposit Box 5 X 10$20
per year

Other Fees

Fax Service: Per page after five$0.50
per item
Photocopies$0.50

Fee	Amount	Basis	Note
Account Maintenance
Statement reconciliation - hourly	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
NSF Return check charge (per item)	$20	per item	None
ATM & Card
ATM use at off premise location	$1	Not stated	None
ATM Card/Debit Card re-issue fee	$5	Not stated	None
Check Services
Bank Cashier Checks, Customer	No charge	Not stated	None
Stop payment charge	$15	Not stated	None
Cashing checks (audience not stated, treated as personal)	3%	Not stated	None
Cashing checks	3%	Not stated	None
Account Services
Safe Deposit Box 10 X 10	$30	per year	None
Safe Deposit Box 3 X 10	$15	per year	None
Safe Deposit Box 3 X 5	$10	per year	None
Safe Deposit Box 5 X 10	$20	per year	None
Other Fees
Fax Service: Per page after five	$0.50	per item	None
Photocopies	$0.50	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

Nov 4, 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.