Citizens Independent Bank

Headquarters: Saint Louis Park, Minnesota
Charter: Bank
Assets: $314.2M
Fed district: Minneapolis

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

Source: its fee schedule, read Oct 18, 2026.

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Fees against the market

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

Monthly Maintenance
Citizens Independent Bank: $3.95
Citizens Independent Bank: $3.95
U.S. median: no median
Overdraft (OD)
Citizens Independent Bank: $35
Citizens Independent Bank: $35
U.S. median: no median
NSF / Returned Item
Citizens Independent Bank: $35
Citizens Independent Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 2026View sources

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

Account Maintenance

Monthly service fee$3.95
per month
Early closing fee$10
Early closing fee (Signature High Yield Checking)$10
one time

Overdraft & NSF

Overdraft (OD) (audience not stated, treated as personal)$35
Overdraft Paid Item Fee$35
Returned Item Fee$35
per item

Other Fees

Loan Doc Fee$50
one time

Fee	Amount	Basis	Note
Account Maintenance
Monthly service fee	$3.95	per month	None
Early closing fee	$10	Not stated	None
Early closing fee (Signature High Yield Checking)	$10	one time	None
Overdraft & NSF
Overdraft (OD) (audience not stated, treated as personal)	$35	Not stated	None
Overdraft Paid Item Fee	$35	Not stated	None
Returned Item Fee	$35	per item	None
Other Fees
Loan Doc Fee	$50	one time	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 18, 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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