State Bank

Headquarters: Waterloo, Illinois
Charter: Bank
Assets: $295.8M
Fed district: St. Louis

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

Source: its fee schedule, read Oct 2, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
State Bank: $35
State Bank: $35
U.S. median: no median
NSF / Returned Item
State Bank: $35
State Bank: $35
U.S. median: no median
Non-Network ATM
State Bank: $1
State Bank: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Illinois, the St. Louis 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.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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 State Bank’s own schedules, with a source for each figure.

Account Maintenance

Account Inactivity Fee$5
per month
Paper Statement$3

Overdraft & NSF

Overdraft/Nonsufficient Funds Fees Overdraft (each overdraft paid)$35
per item
Nonsufficient funds (each presentment)$35
per item
Overdraft Protection Transfer Fee (per transfer)$5
per item

ATM & Card

ATM convenience Fee(Charge per withdrawal at ATMs we do not own or operate)$1
per transaction
Replacement Debit Card$10

Wire Transfers

Wire Transfer: Domestic (Outgoing)$30
Wire Transfer Domestic (Incoming) (audience not stated, treated as personal)$20
Wire Transfer: Foreign (Outgoing)$60
Wire Transfer: Foreign (Incoming)$20

Check Services

Bank Check$5
Check Fees Check Printing Fee depends on style of check (audience not stated, treated as personal)$10
Stop Payments all items$30
Collection Items (Includes Canadian Checks)$18

Account Services

Notary Service Non-Customer$2
Drilling Safe Deposit Box$300
Not compared: Box drilling or key fee
Lost Safe Deposit Box Key$20
Not compared: Box drilling or key fee
Past Due Safe Deposit Box Rental Payment$10
Not compared: Box drilling or key fee
Legal Charges Garnishments (audience not stated, treated as personal)$100

Retirement & IRA

IRA Fees IRA Transfer Processing Fee (audience not stated, treated as personal)$50
per item

Vehicle & Title

Vehicle Title Service (Illinois Only)$50

Other Fees

Copy of Statement$3
Fax Service (limit of ten pages)$5

Fee	Amount	Basis	Note
Account Maintenance
Account Inactivity Fee	$5	per month	None
Paper Statement	$3	Not stated	None
Overdraft & NSF
Overdraft/Nonsufficient Funds Fees Overdraft (each overdraft paid)	$35	per item	None
Nonsufficient funds (each presentment)	$35	per item	None
Overdraft Protection Transfer Fee (per transfer)	$5	per item	None
ATM & Card
ATM convenience Fee(Charge per withdrawal at ATMs we do not own or operate)	$1	per transaction	None
Replacement Debit Card	$10	Not stated	None
Wire Transfers
Wire Transfer: Domestic (Outgoing)	$30	Not stated	None
Wire Transfer Domestic (Incoming) (audience not stated, treated as personal)	$20	Not stated	None
Wire Transfer: Foreign (Outgoing)	$60	Not stated	None
Wire Transfer: Foreign (Incoming)	$20	Not stated	None
Check Services
Bank Check	$5	Not stated	None
Check Fees Check Printing Fee depends on style of check (audience not stated, treated as personal)	$10	Not stated	None
Stop Payments all items	$30	Not stated	None
Collection Items (Includes Canadian Checks)	$18	Not stated	None
Account Services
Notary Service Non-Customer	$2	Not stated	None
Drilling Safe Deposit Box	$300Not compared: Box drilling or key fee	Not stated	None
Lost Safe Deposit Box Key	$20Not compared: Box drilling or key fee	Not stated	None
Past Due Safe Deposit Box Rental Payment	$10Not compared: Box drilling or key fee	Not stated	None
Legal Charges Garnishments (audience not stated, treated as personal)	$100	Not stated	None
Retirement & IRA
IRA Fees IRA Transfer Processing Fee (audience not stated, treated as personal)	$50	per item	None
Vehicle & Title
Vehicle Title Service (Illinois Only)	$50	Not stated	None
Other Fees
Copy of Statement	$3	Not stated	None
Fax Service (limit of ten pages)	$5	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

Account Maintenance

Account Inactivity Fee$5
per month
Paper Statement$3

Overdraft & NSF

Overdraft/Nonsufficient Funds Fees Overdraft (each overdraft paid)$35
per item
Nonsufficient funds (each presentment)$35
per item
Overdraft Protection Transfer Fee (per transfer)$5
per item

ATM & Card

ATM convenience Fee(Charge per withdrawal at ATMs we do not own or operate)$1
per transaction
Replacement Debit Card$10

Wire Transfers

Wire Transfer: Domestic (Outgoing)$30
Wire Transfer: Foreign (Outgoing)$60
Wire Transfer: Foreign (Incoming)$20

Check Services

Bank Check$5
Stop Payments all items$30
Collection Items (Includes Canadian Checks)$18

Cash & Deposit

Returned Deposit Items (Commercial Accounts Only)$10

Account Services

Notary Service Non-Customer$2
Drilling Safe Deposit Box$300
Not compared: Box drilling or key fee
Lost Safe Deposit Box Key$20
Not compared: Box drilling or key fee
Past Due Safe Deposit Box Rental Payment$10
Not compared: Box drilling or key fee

Vehicle & Title

Vehicle Title Service (Illinois Only)$50

Other Fees

Copy of Statement$3
Fax Service (limit of ten pages)$5

Fee	Amount	Basis	Note
Account Maintenance
Account Inactivity Fee	$5	per month	None
Paper Statement	$3	Not stated	None
Overdraft & NSF
Overdraft/Nonsufficient Funds Fees Overdraft (each overdraft paid)	$35	per item	None
Nonsufficient funds (each presentment)	$35	per item	None
Overdraft Protection Transfer Fee (per transfer)	$5	per item	None
ATM & Card
ATM convenience Fee(Charge per withdrawal at ATMs we do not own or operate)	$1	per transaction	None
Replacement Debit Card	$10	Not stated	None
Wire Transfers
Wire Transfer: Domestic (Outgoing)	$30	Not stated	None
Wire Transfer: Foreign (Outgoing)	$60	Not stated	None
Wire Transfer: Foreign (Incoming)	$20	Not stated	None
Check Services
Bank Check	$5	Not stated	None
Stop Payments all items	$30	Not stated	None
Collection Items (Includes Canadian Checks)	$18	Not stated	None
Cash & Deposit
Returned Deposit Items (Commercial Accounts Only)	$10	Not stated	None
Account Services
Notary Service Non-Customer	$2	Not stated	None
Drilling Safe Deposit Box	$300Not compared: Box drilling or key fee	Not stated	None
Lost Safe Deposit Box Key	$20Not compared: Box drilling or key fee	Not stated	None
Past Due Safe Deposit Box Rental Payment	$10Not compared: Box drilling or key fee	Not stated	None
Vehicle & Title
Vehicle Title Service (Illinois Only)	$50	Not stated	None
Other Fees
Copy of Statement	$3	Not stated	None
Fax Service (limit of ten pages)	$5	Not stated	None

Correct a fee source

Oct 2, 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 State Bank's foreign transaction changes in our data

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Fees against the market

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

Overdraft (OD)
State Bank: $35
State Bank: $35
U.S. median: no median
NSF / Returned Item
State Bank: $35
State Bank: $35
U.S. median: no median
Non-Network ATM
State Bank: $1
State Bank: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Illinois, the St. Louis 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.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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.

Published fee schedule

Amounts from State Bank’s own schedules, with a source for each figure.

Account Maintenance

Account Inactivity Fee$5
per month
Paper Statement$3

Overdraft & NSF

Overdraft/Nonsufficient Funds Fees Overdraft (each overdraft paid)$35
per item
Nonsufficient funds (each presentment)$35
per item
Overdraft Protection Transfer Fee (per transfer)$5
per item

ATM & Card

ATM convenience Fee(Charge per withdrawal at ATMs we do not own or operate)$1
per transaction
Replacement Debit Card$10

Wire Transfers

Wire Transfer: Domestic (Outgoing)$30
Wire Transfer Domestic (Incoming) (audience not stated, treated as personal)$20
Wire Transfer: Foreign (Outgoing)$60
Wire Transfer: Foreign (Incoming)$20

Check Services

Bank Check$5
Check Fees Check Printing Fee depends on style of check (audience not stated, treated as personal)$10
Stop Payments all items$30
Collection Items (Includes Canadian Checks)$18

Account Services

Notary Service Non-Customer$2
Drilling Safe Deposit Box$300
Not compared: Box drilling or key fee
Lost Safe Deposit Box Key$20
Not compared: Box drilling or key fee
Past Due Safe Deposit Box Rental Payment$10
Not compared: Box drilling or key fee
Legal Charges Garnishments (audience not stated, treated as personal)$100

Retirement & IRA

IRA Fees IRA Transfer Processing Fee (audience not stated, treated as personal)$50
per item

Vehicle & Title

Vehicle Title Service (Illinois Only)$50

Other Fees

Copy of Statement$3
Fax Service (limit of ten pages)$5

Fee	Amount	Basis	Note
Account Maintenance
Account Inactivity Fee	$5	per month	None
Paper Statement	$3	Not stated	None
Overdraft & NSF
Overdraft/Nonsufficient Funds Fees Overdraft (each overdraft paid)	$35	per item	None
Nonsufficient funds (each presentment)	$35	per item	None
Overdraft Protection Transfer Fee (per transfer)	$5	per item	None
ATM & Card
ATM convenience Fee(Charge per withdrawal at ATMs we do not own or operate)	$1	per transaction	None
Replacement Debit Card	$10	Not stated	None
Wire Transfers
Wire Transfer: Domestic (Outgoing)	$30	Not stated	None
Wire Transfer Domestic (Incoming) (audience not stated, treated as personal)	$20	Not stated	None
Wire Transfer: Foreign (Outgoing)	$60	Not stated	None
Wire Transfer: Foreign (Incoming)	$20	Not stated	None
Check Services
Bank Check	$5	Not stated	None
Check Fees Check Printing Fee depends on style of check (audience not stated, treated as personal)	$10	Not stated	None
Stop Payments all items	$30	Not stated	None
Collection Items (Includes Canadian Checks)	$18	Not stated	None
Account Services
Notary Service Non-Customer	$2	Not stated	None
Drilling Safe Deposit Box	$300Not compared: Box drilling or key fee	Not stated	None
Lost Safe Deposit Box Key	$20Not compared: Box drilling or key fee	Not stated	None
Past Due Safe Deposit Box Rental Payment	$10Not compared: Box drilling or key fee	Not stated	None
Legal Charges Garnishments (audience not stated, treated as personal)	$100	Not stated	None
Retirement & IRA
IRA Fees IRA Transfer Processing Fee (audience not stated, treated as personal)	$50	per item	None
Vehicle & Title
Vehicle Title Service (Illinois Only)	$50	Not stated	None
Other Fees
Copy of Statement	$3	Not stated	None
Fax Service (limit of ten pages)	$5	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

Account Maintenance

Account Inactivity Fee$5
per month
Paper Statement$3

Overdraft & NSF

Overdraft/Nonsufficient Funds Fees Overdraft (each overdraft paid)$35
per item
Nonsufficient funds (each presentment)$35
per item
Overdraft Protection Transfer Fee (per transfer)$5
per item

ATM & Card

ATM convenience Fee(Charge per withdrawal at ATMs we do not own or operate)$1
per transaction
Replacement Debit Card$10

Wire Transfers

Wire Transfer: Domestic (Outgoing)$30
Wire Transfer: Foreign (Outgoing)$60
Wire Transfer: Foreign (Incoming)$20

Check Services

Bank Check$5
Stop Payments all items$30
Collection Items (Includes Canadian Checks)$18

Cash & Deposit

Returned Deposit Items (Commercial Accounts Only)$10

Account Services

Notary Service Non-Customer$2
Drilling Safe Deposit Box$300
Not compared: Box drilling or key fee
Lost Safe Deposit Box Key$20
Not compared: Box drilling or key fee
Past Due Safe Deposit Box Rental Payment$10
Not compared: Box drilling or key fee

Vehicle & Title

Vehicle Title Service (Illinois Only)$50

Other Fees

Copy of Statement$3
Fax Service (limit of ten pages)$5

Fee	Amount	Basis	Note
Account Maintenance
Account Inactivity Fee	$5	per month	None
Paper Statement	$3	Not stated	None
Overdraft & NSF
Overdraft/Nonsufficient Funds Fees Overdraft (each overdraft paid)	$35	per item	None
Nonsufficient funds (each presentment)	$35	per item	None
Overdraft Protection Transfer Fee (per transfer)	$5	per item	None
ATM & Card
ATM convenience Fee(Charge per withdrawal at ATMs we do not own or operate)	$1	per transaction	None
Replacement Debit Card	$10	Not stated	None
Wire Transfers
Wire Transfer: Domestic (Outgoing)	$30	Not stated	None
Wire Transfer: Foreign (Outgoing)	$60	Not stated	None
Wire Transfer: Foreign (Incoming)	$20	Not stated	None
Check Services
Bank Check	$5	Not stated	None
Stop Payments all items	$30	Not stated	None
Collection Items (Includes Canadian Checks)	$18	Not stated	None
Cash & Deposit
Returned Deposit Items (Commercial Accounts Only)	$10	Not stated	None
Account Services
Notary Service Non-Customer	$2	Not stated	None
Drilling Safe Deposit Box	$300Not compared: Box drilling or key fee	Not stated	None
Lost Safe Deposit Box Key	$20Not compared: Box drilling or key fee	Not stated	None
Past Due Safe Deposit Box Rental Payment	$10Not compared: Box drilling or key fee	Not stated	None
Vehicle & Title
Vehicle Title Service (Illinois Only)	$50	Not stated	None
Other Fees
Copy of Statement	$3	Not stated	None
Fax Service (limit of ten pages)	$5	Not stated	None

Correct a fee source

Oct 2, 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.