Gateway Bank

Headquarters: Mendota Heights, Minnesota
Charter: Bank
Assets: $319.5M
Fed district: Minneapolis

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

Source: its fee schedule, read Oct 30, 2026.

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Fees against the market

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

Monthly Maintenance
Gateway Bank: $17
Gateway Bank: $17
U.S. median: no median
Overdraft (OD)
Gateway Bank: $30
Gateway Bank: $30
U.S. median: no median
NSF / Returned Item
Gateway Bank: $30
Gateway Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 30, 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 Gateway Bank’s own schedules, with a source for each figure.

Account Maintenance

Account Maintenance$17
per month
Account Closing Fee (less than 6 months)$25
Dormant Account Fee$5
per month
Account Reconciliation/Research (1 hour min.)$30
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Fee$2
per month

Overdraft & NSF

Overdraft Fee$30
per item
Returned Item Fee$30
per item
Daily Overdraft Fee$6
per day

ATM & Card

Non-Network ATM Fee$1
per item
Replacement ATM/Debit Cards$5
ATM/Debit Card 2 Day Rush Delivery$30
ATM/Debit Card Rush Production$30
ATM/Debit International Transaction Fee1%
ATM/Debit International Transaction Fee (audience not stated, treated as personal)1%

Wire Transfers

Outgoing Domestic Wire Transfer$25
per item · Additional outside fees may apply
Repetitive Outgoing Domestic Wire Transfer$15
per item · Additional outside fees may apply
Incoming Domestic Wire Transfer$15
per item
Outgoing International Wire Transfer$50
per item · Additional outside fees may apply
Repetitive Outgoing International: Wire Transfer$35
Incoming International Wire Transfer$15
per item

Check Services

Cashier's Check$5
per item
ACH Stop Payment$30
Stop Payment$30
per item
Collection Item$30
Foreign Item Deposit$15

Digital & Electronic

ACH Credits and Debits$0.13
per item · Per item in file
ACH File Origination$7
per item · Per file sent
ACH Setup$30
per item · Per file
ACH Reversals/File Correction$25
per item
Bill PayNo charge
Returned Bill Payment Fee$5
Mobile DepositNo charge

Cash & Deposit

Coin Counting - Current ClientsNo charge
Coin Counting - Non Client5%
Coin Counting - Non Client (audience not stated, treated as personal)5%
Coin Purchase$0.12
per item · Per roll
Currency Purchase$0.50
per item · Per strap
Cash Advance$8
per item

Account Services

Notary Service – ClientNo charge
Notary Service – Non Client$1
Drilling Charges$30
Not compared: Box drilling or key fee
Lost Key$25
Not compared: Box drilling or key fee
Safe Deposit Box - 10 x 10$130
Safe Deposit Box - 3 x 10$60
Safe Deposit Box - 3 x 5$35
Safe Deposit Box - 5 x 10$80
Garnishment/Levy Execution$100
per item
Audit Confirmation$15

Gift & Prepaid Cards

MasterCard Prepaid Gift Cards$4.95
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Maintenance	$17	per month	None
Account Closing Fee (less than 6 months)	$25	Not stated	None
Dormant Account Fee	$5	per month	None
Account Reconciliation/Research (1 hour min.)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Fee	$2	per month	None
Overdraft & NSF
Overdraft Fee	$30	per item	None
Returned Item Fee	$30	per item	None
Daily Overdraft Fee	$6	per day	None
ATM & Card
Non-Network ATM Fee	$1	per item	None
Replacement ATM/Debit Cards	$5	Not stated	None
ATM/Debit Card 2 Day Rush Delivery	$30	Not stated	None
ATM/Debit Card Rush Production	$30	Not stated	None
ATM/Debit International Transaction Fee	1%	Not stated	None
ATM/Debit International Transaction Fee (audience not stated, treated as personal)	1%	Not stated	None
Wire Transfers
Outgoing Domestic Wire Transfer	$25	per item	Additional outside fees may apply
Repetitive Outgoing Domestic Wire Transfer	$15	per item	Additional outside fees may apply
Incoming Domestic Wire Transfer	$15	per item	None
Outgoing International Wire Transfer	$50	per item	Additional outside fees may apply
Repetitive Outgoing International: Wire Transfer	$35	Not stated	None
Incoming International Wire Transfer	$15	per item	None
Check Services
Cashier's Check	$5	per item	None
ACH Stop Payment	$30	Not stated	None
Stop Payment	$30	per item	None
Collection Item	$30	Not stated	None
Foreign Item Deposit	$15	Not stated	None
Digital & Electronic
ACH Credits and Debits	$0.13	per item	Per item in file
ACH File Origination	$7	per item	Per file sent
ACH Setup	$30	per item	Per file
ACH Reversals/File Correction	$25	per item	None
Bill Pay	No charge	Not stated	None
Returned Bill Payment Fee	$5	Not stated	None
Mobile Deposit	No charge	Not stated	None
Cash & Deposit
Coin Counting - Current Clients	No charge	Not stated	None
Coin Counting - Non Client	5%	Not stated	None
Coin Counting - Non Client (audience not stated, treated as personal)	5%	Not stated	None
Coin Purchase	$0.12	per item	Per roll
Currency Purchase	$0.50	per item	Per strap
Cash Advance	$8	per item	None
Account Services
Notary Service – Client	No charge	Not stated	None
Notary Service – Non Client	$1	Not stated	None
Drilling Charges	$30Not compared: Box drilling or key fee	Not stated	None
Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box - 10 x 10	$130	Not stated	None
Safe Deposit Box - 3 x 10	$60	Not stated	None
Safe Deposit Box - 3 x 5	$35	Not stated	None
Safe Deposit Box - 5 x 10	$80	Not stated	None
Garnishment/Levy Execution	$100	per item	None
Audit Confirmation	$15	Not stated	None
Gift & Prepaid Cards
MasterCard Prepaid Gift Cards	$4.95	per item	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 30, 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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