Heritage Bank

Headquarters: Topeka, Kansas
Charter: Bank
Assets: $324.9M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 16, 2026.

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Fees against the market

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

Overdraft (OD)
Heritage Bank: $32
Heritage Bank: $32
U.S. median: no median
NSF / Returned Item
Heritage Bank: $32
Heritage Bank: $32
U.S. median: no median
Stop Payment
Heritage Bank: $30
Heritage Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Kansas, the Kansas City 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).
Kansas: Banks and credit unions headquartered in Kansas that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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 Heritage Bank’s own schedules, with a source for each figure.

Account Maintenance

Closed Account Fee (within 90 days)$25
Dormant Fee$10
Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Statement Reconciliation$30
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Fee$32
per item
Returned Item Fee$32
per item
Overdraft Protection Transfer$5
per item

ATM & Card

Debit Card Replacement fee$10

Wire Transfers

Wire Transfer Services (customers only): International Outgoing$60
Wire Transfer Services (customers only): International Incoming$20

Check Services

Cashier's Check (customers only)$6
Stop Payment$30
Counter Checks$3
Not compared: Charged per page; comparison unavailable
per page
Collection Items$35

Digital & Electronic

ACH Origination Fee$15
per item

Cash & Deposit

Coin Counting (customers only)3%
Coin Counting (customers only) (audience not stated, treated as personal)3%

Account Services

Safe Deposit Box Drilling$250
Not compared: Box drilling or key fee
Safe Deposit Box Key Copy$15
Not compared: Box drilling or key fee
Garnishment Fee$50
Tax Levy Fee$50

Other Fees

Statement Reprint$3

Fee	Amount	Basis	Note
Account Maintenance
Closed Account Fee (within 90 days)	$25	Not stated	None
Dormant Fee	$10	Not stated	None
Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Statement Reconciliation	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Fee	$32	per item	None
Returned Item Fee	$32	per item	None
Overdraft Protection Transfer	$5	per item	None
ATM & Card
Debit Card Replacement fee	$10	Not stated	None
Wire Transfers
Wire Transfer Services (customers only): International Outgoing	$60	Not stated	None
Wire Transfer Services (customers only): International Incoming	$20	Not stated	None
Check Services
Cashier's Check (customers only)	$6	Not stated	None
Stop Payment	$30	Not stated	None
Counter Checks	$3Not compared: Charged per page; comparison unavailable	per page	None
Collection Items	$35	Not stated	None
Digital & Electronic
ACH Origination Fee	$15	per item	None
Cash & Deposit
Coin Counting (customers only)	3%	Not stated	None
Coin Counting (customers only) (audience not stated, treated as personal)	3%	Not stated	None
Account Services
Safe Deposit Box Drilling	$250Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Key Copy	$15Not compared: Box drilling or key fee	Not stated	None
Garnishment Fee	$50	Not stated	None
Tax Levy Fee	$50	Not stated	None
Other Fees
Statement Reprint	$3	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Fee	Amount	Basis	Note
Cash & Deposit
Charge Back Deposited Item: Business	$6	per item	None

Correct a fee source

Oct 16, 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

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