First Whitney Bank and Trust

Headquarters: Atlantic, Iowa
Charter: Bank
Assets: $287.5M
Fed district: Chicago

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

Source: its fee schedule, read Nov 1, 2026.

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Fees against the market

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

Monthly Maintenance
Can be waived with an average balance of $700 or more.
First Whitney Bank and Trust: $5
First Whitney Bank and Trust: $5
U.S. median: no median
Overdraft (OD)
First Whitney Bank and Trust: $20
First Whitney Bank and Trust: $20
U.S. median: no median
Non-Network ATM
First Whitney Bank and Trust: $1
First Whitney Bank and Trust: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Iowa, 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).
Iowa: Banks and credit unions headquartered in Iowa 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 Whitney Bank and Trust’s own schedules, with a source for each figure.

Account Maintenance

Maintenance charge$5
per month
Maintenance fee$5
Dormant Accounts$5
per month

Overdraft & NSF

Return Check and Overdraft$20
Overdraft Protection$3.50
per item

ATM & Card

ATM Withdrawals$1
per item
ATM/Debit Card Replacement Charge$10

Wire Transfers

Wires-Outgoing$15
per item
Wires-Incoming$15
Wires-International$40

Check Services

Cashier’s Checks$3
Stop payments$20
Collection Items – non customers$10

Account Services

Key Replacement$60
Not compared: Box drilling or key fee
Safe Deposit Box 10”X10” (audience not stated, treated as personal)$60
per year
Safe Deposit Box 2”x5” (audience not stated, treated as personal)$20
per year
Safe Deposit Box 3”x10” (audience not stated, treated as personal)$30
per year
Safe Deposit Box 3”x5” (audience not stated, treated as personal)$23
per year
Safe Deposit Box 4”x5” (audience not stated, treated as personal)$25
per year
Safe Deposit Box 5”x10” (audience not stated, treated as personal)$40
per year
Safe Deposit Box 5”x5” (audience not stated, treated as personal)$27
per year
Safe Deposit Box 9”X10” (audience not stated, treated as personal)$55
per year
Garnishment or Notice of Levy$25
per item

Fee	Amount	Basis	Note
Account Maintenance
Maintenance charge	$5	per month	None
Maintenance fee	$5	Not stated	None
Dormant Accounts	$5	per month	None
Overdraft & NSF
Return Check and Overdraft	$20	Not stated	None
Overdraft Protection	$3.50	per item	None
ATM & Card
ATM Withdrawals	$1	per item	None
ATM/Debit Card Replacement Charge	$10	Not stated	None
Wire Transfers
Wires-Outgoing	$15	per item	None
Wires-Incoming	$15	Not stated	None
Wires-International	$40	Not stated	None
Check Services
Cashier’s Checks	$3	Not stated	None
Stop payments	$20	Not stated	None
Collection Items – non customers	$10	Not stated	None
Account Services
Key Replacement	$60Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10”X10” (audience not stated, treated as personal)	$60	per year	None
Safe Deposit Box 2”x5” (audience not stated, treated as personal)	$20	per year	None
Safe Deposit Box 3”x10” (audience not stated, treated as personal)	$30	per year	None
Safe Deposit Box 3”x5” (audience not stated, treated as personal)	$23	per year	None
Safe Deposit Box 4”x5” (audience not stated, treated as personal)	$25	per year	None
Safe Deposit Box 5”x10” (audience not stated, treated as personal)	$40	per year	None
Safe Deposit Box 5”x5” (audience not stated, treated as personal)	$27	per year	None
Safe Deposit Box 9”X10” (audience not stated, treated as personal)	$55	per year	None
Garnishment or Notice of Levy	$25	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

Nov 1, 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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