First Secure State Bank

Headquarters: Wonder Lake, Illinois
Charter: Bank
Assets: $305.6M
Fed district: Chicago

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

Source: its fee schedule, read Oct 23, 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)
First Secure State Bank: $35
First Secure State Bank: $35
U.S. median: no median
NSF / Returned Item
First Secure State Bank: $35
First Secure State Bank: $35
U.S. median: no median
Non-Network ATM
First Secure State Bank: $2
First Secure State Bank: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 23, 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 First Secure State Bank’s own schedules, with a source for each figure.

Account Maintenance

Inactive / Dormant Accounts (Fee begins after 12 months with no account activity)$5
Account Reconcilement$75
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconcilement | $75 hr / 1 hr min
Account Research$75
Not compared: Charged per hour; comparison unavailable
per hour · Account Research | $75 hr / 1 hr min
Printed Statement Fee (printing and mailing)$3
Excessive Transaction Fee (Savings & Money Market Accounts)$1
per item
Return mail$5
per month

Overdraft & NSF

PLEASE NOTE: ¹Insufficient funds/overdraft/NSF charges may apply$35
PLEASE NOTE: ¹Insufficient funds/overdraft/NSF charges may apply$35
Overdraft Protection (Savings-to-checking transfer)$10

ATM & Card

ATM – Foreign Transaction Customer$2
ATM Replacement Card$10

Wire Transfers

Wire Transfer (Outgoing Domestic)$40
Wire Transfer (Incoming Domestic)$13
Wire Transfer (Outgoing International)$70
Wire Transfer (Incoming International)$35

Check Services

Cashier’s Check Customer$6
Personal Money Orders Customer$5
Stop Payment (Check or ACH)$35
Check Cashing for Non-Customer (audience not stated, treated as personal)3%($5 minimum)
Check Cashing for Non-Customer3%($5 minimum)
Check Copy$5

Cash & Deposit

Charge Back/Returned Item$15

Account Services

Safe Deposit Box Drilling$175
Not compared: Box drilling or key fee
Safe Deposit Box Lost Key$35
Not compared: Box drilling or key fee
Legal – Attachments/Levy/Citation/Subpoena, etc$150
Subordination Agreement$200
Verification of Deposit$13

Retirement & IRA

IRA Transfer (outgoing)$30

Other Fees

Fax$1
per item
Photocopies$0.50
Not compared: Charged per page; comparison unavailable
per page · Photocopies | $0.50 per page

Fee	Amount	Basis	Note
Account Maintenance
Inactive / Dormant Accounts (Fee begins after 12 months with no account activity)	$5	Not stated	None
Account Reconcilement	$75Not compared: Charged per hour; comparison unavailable	per hour	Account Reconcilement \| $75 hr / 1 hr min
Account Research	$75Not compared: Charged per hour; comparison unavailable	per hour	Account Research \| $75 hr / 1 hr min
Printed Statement Fee (printing and mailing)	$3	Not stated	None
Excessive Transaction Fee (Savings & Money Market Accounts)	$1	per item	None
Return mail	$5	per month	None
Overdraft & NSF
PLEASE NOTE: ¹Insufficient funds/overdraft/NSF charges may apply	$35	Not stated	None
PLEASE NOTE: ¹Insufficient funds/overdraft/NSF charges may apply	$35	Not stated	None
Overdraft Protection (Savings-to-checking transfer)	$10	Not stated	None
ATM & Card
ATM – Foreign Transaction Customer	$2	Not stated	None
ATM Replacement Card	$10	Not stated	None
Wire Transfers
Wire Transfer (Outgoing Domestic)	$40	Not stated	None
Wire Transfer (Incoming Domestic)	$13	Not stated	None
Wire Transfer (Outgoing International)	$70	Not stated	None
Wire Transfer (Incoming International)	$35	Not stated	None
Check Services
Cashier’s Check Customer	$6	Not stated	None
Personal Money Orders Customer	$5	Not stated	None
Stop Payment (Check or ACH)	$35	Not stated	None
Check Cashing for Non-Customer (audience not stated, treated as personal)	3%($5 minimum)	Not stated	None
Check Cashing for Non-Customer	3%($5 minimum)	Not stated	None
Check Copy	$5	Not stated	None
Cash & Deposit
Charge Back/Returned Item	$15	Not stated	None
Account Services
Safe Deposit Box Drilling	$175Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Lost Key	$35Not compared: Box drilling or key fee	Not stated	None
Legal – Attachments/Levy/Citation/Subpoena, etc	$150	Not stated	None
Subordination Agreement	$200	Not stated	None
Verification of Deposit	$13	Not stated	None
Retirement & IRA
IRA Transfer (outgoing)	$30	Not stated	None
Other Fees
Fax	$1	per item	None
Photocopies	$0.50Not compared: Charged per page; comparison unavailable	per page	Photocopies \| $0.50 per page

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 23, 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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