Citizens Guaranty Bank

Headquarters: Richmond, Kentucky
Charter: Bank
Assets: $303.6M
Fed district: Cleveland

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

Source: its fee schedule, read Oct 11, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Citizens Checking $5 · Citizens Clean Slate Checking $10
Compared at $7.50, the middle of its prices
Citizens Guaranty Bank: $5 to $10
Citizens Guaranty Bank: $5 to $10
U.S. median: no median
Overdraft (OD)
Citizens Guaranty Bank: $35
Citizens Guaranty Bank: $35
U.S. median: no median
NSF / Returned Item
Citizens Guaranty Bank: $35
Citizens Guaranty Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Kentucky, the Cleveland 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).
Kentucky: Banks and credit unions headquartered in Kentucky that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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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Among its peers

Citizens Guaranty Bank · $304M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$296M to $312M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Citizens Guaranty Bank(this institution)	Richmond, KY	$304M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Crockett	Bells, TN	$299M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Franklin	Meadville, MS	$302M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank of Montana	Missoula, MT	$309M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Caldwell Bank & Trust Company	Columbia, LA	$299M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Collins State Bank	Collins, WI	$301M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community Bank	Winslow, IL	$311M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Bank and Trust Company	Muscatine, IA	$303M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dearborn Federal Savings Bank	Dearborn, MI	$307M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
DLP Bank	Starke, FL	$301M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank Of Commerce	Walnut Ridge, AR	$297M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank of South Carolina	Holly Hill, SC	$310M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Secure State Bank	Wonder Lake, IL	$306M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Grant County Bank	Ulysses, KS	$298M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Horatio State Bank	Horatio, AR	$312M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Leighton State Bank	Pella, IA	$298M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
PrinsBank	Prinsburg, MN	$308M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
RNB STATE BANK	Rawlins, WY	$296M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
SJN Bank of Kansas	Saint John, KS	$303M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
St. Johns Bank and Trust Company	Saint Louis, MO	$297M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
State Bank	Waterloo, IL	$296M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Bank of Forest	Forest, MS	$296M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Farmers Bank of Milton	Milton, KY	$305M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
United Bank	Springdale, AR	$296M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Washington Savings Bank	Lowell, MA	$302M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Washington State Bank	Washington, LA	$309M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

12 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $0.75 (11%) above the median of similar-sized banks.

Compared at $7.50, the middle of its two prices, against a peer median of $6.75 among 13 publishing peers.

Its two checking prices are $5 and $10.

$7.50 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Citizens Guaranty Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

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

Account Maintenance

Monthly service charge$10
per month
Monthly service charge$5
per month
Christmas Club Early Closing/Withdrawal$10
per transaction
Early closeout fee$35
one time
Early closeout fee within 180 days of opening$35
Early Closing Fee for Checking or Savings (excluding KASASA Accounts)$35
Vacation Club Early Closing/Withdrawal$10
per transaction
Dormant Checking$5
per month
Dormant Savings$5
per month
Statement Recon/Research Fee (1 hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Statement (undeliverable mail – per month)$5
per month

Overdraft & NSF

NSF Paid Item Fee or AOD Paid Item Fee (per item)$35
per item
NSF Returned Item Fee or AOD Returned Item Fee (per item)$35
per item

ATM & Card

ATM Inquiry/Transaction Fee$1
per transaction
Debit Card Replacement Fee$10
per item

Wire Transfers

Outgoing Domestic Wire Fee$25
per item
Incoming Domestic Wire Fee$15
per item
Outgoing International Wire Fee$75

Check Services

Miscellaneous Fees and Charges Effective July 16, 2024 Cashier’s Check$5
Stop Payment Request$34
per item

Cash & Deposit

Chargeback Check Fee (Returned Deposit Item)$7
per item

Account Services

Garnishment/Levy Fee$100

Other Fees

Statement Copy (including duplicate statements)$6

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$10	per month	None
Monthly service charge	$5	per month	None
Christmas Club Early Closing/Withdrawal	$10	per transaction	None
Early closeout fee	$35	one time	None
Early closeout fee within 180 days of opening	$35	Not stated	None
Early Closing Fee for Checking or Savings (excluding KASASA Accounts)	$35	Not stated	None
Vacation Club Early Closing/Withdrawal	$10	per transaction	None
Dormant Checking	$5	per month	None
Dormant Savings	$5	per month	None
Statement Recon/Research Fee (1 hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Statement (undeliverable mail – per month)	$5	per month	None
Overdraft & NSF
NSF Paid Item Fee or AOD Paid Item Fee (per item)	$35	per item	None
NSF Returned Item Fee or AOD Returned Item Fee (per item)	$35	per item	None
ATM & Card
ATM Inquiry/Transaction Fee	$1	per transaction	None
Debit Card Replacement Fee	$10	per item	None
Wire Transfers
Outgoing Domestic Wire Fee	$25	per item	None
Incoming Domestic Wire Fee	$15	per item	None
Outgoing International Wire Fee	$75	Not stated	None
Check Services
Miscellaneous Fees and Charges Effective July 16, 2024 Cashier’s Check	$5	Not stated	None
Stop Payment Request	$34	per item	None
Cash & Deposit
Chargeback Check Fee (Returned Deposit Item)	$7	per item	None
Account Services
Garnishment/Levy Fee	$100	Not stated	None
Other Fees
Statement Copy (including duplicate statements)	$6	Not stated	None

Correct a fee source

Oct 11, 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 Citizens Guaranty Bank's foreign transaction changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Monthly Maintenance
Citizens Checking $5 · Citizens Clean Slate Checking $10
Compared at $7.50, the middle of its prices
Citizens Guaranty Bank: $5 to $10
Citizens Guaranty Bank: $5 to $10
U.S. median: no median
Overdraft (OD)
Citizens Guaranty Bank: $35
Citizens Guaranty Bank: $35
U.S. median: no median
NSF / Returned Item
Citizens Guaranty Bank: $35
Citizens Guaranty Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Kentucky, the Cleveland 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).
Kentucky: Banks and credit unions headquartered in Kentucky that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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.

Among its peers

Citizens Guaranty Bank · $304M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$296M to $312M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Citizens Guaranty Bank(this institution)	Richmond, KY	$304M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Crockett	Bells, TN	$299M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Franklin	Meadville, MS	$302M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank of Montana	Missoula, MT	$309M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Caldwell Bank & Trust Company	Columbia, LA	$299M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Collins State Bank	Collins, WI	$301M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community Bank	Winslow, IL	$311M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Bank and Trust Company	Muscatine, IA	$303M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dearborn Federal Savings Bank	Dearborn, MI	$307M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
DLP Bank	Starke, FL	$301M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank Of Commerce	Walnut Ridge, AR	$297M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank of South Carolina	Holly Hill, SC	$310M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Secure State Bank	Wonder Lake, IL	$306M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Grant County Bank	Ulysses, KS	$298M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Horatio State Bank	Horatio, AR	$312M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Leighton State Bank	Pella, IA	$298M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
PrinsBank	Prinsburg, MN	$308M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
RNB STATE BANK	Rawlins, WY	$296M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
SJN Bank of Kansas	Saint John, KS	$303M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
St. Johns Bank and Trust Company	Saint Louis, MO	$297M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
State Bank	Waterloo, IL	$296M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Bank of Forest	Forest, MS	$296M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Farmers Bank of Milton	Milton, KY	$305M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
United Bank	Springdale, AR	$296M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Washington Savings Bank	Lowell, MA	$302M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Washington State Bank	Washington, LA	$309M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

12 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $0.75 (11%) above the median of similar-sized banks.

Compared at $7.50, the middle of its two prices, against a peer median of $6.75 among 13 publishing peers.

Its two checking prices are $5 and $10.

$7.50 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

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

Account Maintenance

Monthly service charge$10
per month
Monthly service charge$5
per month
Christmas Club Early Closing/Withdrawal$10
per transaction
Early closeout fee$35
one time
Early closeout fee within 180 days of opening$35
Early Closing Fee for Checking or Savings (excluding KASASA Accounts)$35
Vacation Club Early Closing/Withdrawal$10
per transaction
Dormant Checking$5
per month
Dormant Savings$5
per month
Statement Recon/Research Fee (1 hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Statement (undeliverable mail – per month)$5
per month

Overdraft & NSF

NSF Paid Item Fee or AOD Paid Item Fee (per item)$35
per item
NSF Returned Item Fee or AOD Returned Item Fee (per item)$35
per item

ATM & Card

ATM Inquiry/Transaction Fee$1
per transaction
Debit Card Replacement Fee$10
per item

Wire Transfers

Outgoing Domestic Wire Fee$25
per item
Incoming Domestic Wire Fee$15
per item
Outgoing International Wire Fee$75

Check Services

Miscellaneous Fees and Charges Effective July 16, 2024 Cashier’s Check$5
Stop Payment Request$34
per item

Cash & Deposit

Chargeback Check Fee (Returned Deposit Item)$7
per item

Account Services

Garnishment/Levy Fee$100

Other Fees

Statement Copy (including duplicate statements)$6

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$10	per month	None
Monthly service charge	$5	per month	None
Christmas Club Early Closing/Withdrawal	$10	per transaction	None
Early closeout fee	$35	one time	None
Early closeout fee within 180 days of opening	$35	Not stated	None
Early Closing Fee for Checking or Savings (excluding KASASA Accounts)	$35	Not stated	None
Vacation Club Early Closing/Withdrawal	$10	per transaction	None
Dormant Checking	$5	per month	None
Dormant Savings	$5	per month	None
Statement Recon/Research Fee (1 hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Statement (undeliverable mail – per month)	$5	per month	None
Overdraft & NSF
NSF Paid Item Fee or AOD Paid Item Fee (per item)	$35	per item	None
NSF Returned Item Fee or AOD Returned Item Fee (per item)	$35	per item	None
ATM & Card
ATM Inquiry/Transaction Fee	$1	per transaction	None
Debit Card Replacement Fee	$10	per item	None
Wire Transfers
Outgoing Domestic Wire Fee	$25	per item	None
Incoming Domestic Wire Fee	$15	per item	None
Outgoing International Wire Fee	$75	Not stated	None
Check Services
Miscellaneous Fees and Charges Effective July 16, 2024 Cashier’s Check	$5	Not stated	None
Stop Payment Request	$34	per item	None
Cash & Deposit
Chargeback Check Fee (Returned Deposit Item)	$7	per item	None
Account Services
Garnishment/Levy Fee	$100	Not stated	None
Other Fees
Statement Copy (including duplicate statements)	$6	Not stated	None

Correct a fee source

Oct 11, 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.