Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, $300M to $1B

Heritage Bank

Topeka, KansasBankKansas City Fed districtFees collected Oct 5, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Closed Account Fee (within 90 days)$25Within the typical range ($10–$25 nationally)

Overdraft & NSFVerified

Overdraft Fee$32Within the typical range ($25–$32 nationally)
$2 above the national median
per item · Source
Overdraft Protection Transfer$5Within the typical range ($3–$5 nationally)
At the national median
Source
Returned Item Fee$32Above the typical range ($25–$31 nationally)
$2 above the national median
per item · Source

ATM & CardVerified

Debit Card Replacement fee$10Within the typical range ($5–$10 nationally)
At the national median
Knox extract.rules v20 categorized a line held for review from Rosetta artifact #3609. canonical_hint=card_replacement; text_hash=23932d014cae885f0f2848b36a67858af01250226235abbce7afb0b9b3b5575c; excerpt="Debit Card Replacement fee - $10" · Source

Check ServicesVerified

Cashier's Check (customers only)$6Within the typical range ($3–$6 nationally)
$1 above the national median
Source
Stop Payment$30Within the typical range ($20–$30 nationally)
$4 above the national median
Source

Account ServicesVerified

Garnishment Fee$50Within the typical range ($30–$75 nationally)
At the national median
Source
Safe Deposit Box Drilling$250Above the typical range ($30–$70 nationally)
$205 above the national median
Source
Safe Deposit Box Key Copy$15Below the typical range ($30–$70 nationally)
$30 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Closed Account Fee (within 90 days)	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	Knox extract.rules v20 categorized a line held for review from Rosetta artifact #3609. canonical_hint=early_closure; text_hash=23932d014cae885f0f2848b36a67858af01250226235abbce7afb0b9b3b5575c; excerpt="Closed Account Fee (within 90 days) - $25"	Source
Dormant Fee	$10Within the typical range ($5–$10 nationally)	$5 above the national median	—	—	Source
Statement Reconciliation	$30Above the typical range ($20–$25 nationally)	$5 above the national median	—	—	Source
Overdraft & NSFVerified
Overdraft Fee	$32Within the typical range ($25–$32 nationally)	$2 above the national median	per item	—	Source
Overdraft Protection Transfer	$5
ATM & CardVerified
Debit Card Replacement fee	$10Within the typical range ($5–$10 nationally)	At the national median	—	Knox extract.rules v20 categorized a line held for review from Rosetta artifact #3609. canonical_hint=card_replacement; text_hash=23932d014cae885f0f2848b36a67858af01250226235abbce7afb0b9b3b5575c; excerpt="Debit Card Replacement fee - $10"	Source
Check ServicesVerified
Cashier's Check (customers only)	$6Within the typical range ($3–$6 nationally)	$1 above the national median	—	—	Source
Stop Payment	$30
Digital & ElectronicVerified
ACH Origination Fee	$15Within the typical range ($5–$20 nationally)	$5 above the national median	—	—	Source
Account ServicesVerified
Garnishment Fee	$50Within the typical range ($30–$75 nationally)	At the national median	—	—	Source
Safe Deposit Box Drilling	$250

Fee change alerts

Get an email when Heritage Bank changes a fee

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Work at Heritage Bank? Request a report against local competitors

Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$32

Overdraft fee: $32

7% above the national median overdraft fee

Total fees: 13 — leaner than most institutions

Headline fees published

6 of 15

Published fees

Under review

Assets

$324.9M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$324.9M

Total deposits

$278.6M

Service charge income

$100K

Fee income ratio

2.8%

Return on assets

1.65%

Branches

Service charge income by quarter

Q2 2026$100K

Q1 2026$91K

Q4 2025$104K

Q3 2025$54K

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, and SEC filings

Unlock all 60 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 46,468 published fee entries from 2,882 institutions

See pricing