Wray State Bank

Headquarters: Wray, Colorado
Charter: Bank
Assets: $312.0M
Fed district: Kansas City

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

Source: its fee schedule, read Apr 20, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $7.50, the middle of its prices
Wray State Bank: $6 to $10
Wray State Bank: $6 to $10
U.S. median: no median
Overdraft (OD)
Wray State Bank: $25
Wray State Bank: $25
U.S. median: no median
NSF / Returned Item
Wray State Bank: $25
Wray State Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Apr 20, 2026View sources

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

Account Maintenance

Monthly Maintenance (audience not stated, treated as personal)$7.50
per month
Monthly Service Charge$10
per month
Monthly Service Charge if daily balance falls below …… (audience not stated, treated as personal)$6
per month
Dormant Account Fee$10
per month
Record research per hour$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Fee per presentment$25
per item
Returned Item Fee per presentment$25
per item

ATM & Card

Card Reorder$10
per item

Wire Transfers

Wire Transfers: Outgoing$25
Wire Transfers: Incoming$15

Check Services

Cashier’s Check$5
Cashier’s Checks – up$5
Money Order – Customer$2
Stop Payments$20

Digital & Electronic

Bill Pay (Standard Payment) .No charge
ZelleNo charge
Not compared: Per-occurrence charge, not monthly
per item · No Charge
Zelle®No charge

Account Services

Key Replacement$25
Not compared: Box drilling or key fee
Safe Deposit Box$125
Not compared: Box drilling or key fee
Safe Deposit Box$150
Not compared: Box drilling or key fee
Safe Deposit Box 10” x 10”$50
per year
Safe Deposit Box 10” x 10” (audience not stated, treated as personal)$50
per year
Safe Deposit Box 3” x 10”$25
per year
Safe Deposit Box 3” x 10” (audience not stated, treated as personal)$25
per year
Safe Deposit Box 3” x 5”$15
per year
Safe Deposit Box 3” x 5” (audience not stated, treated as personal)$15
per year
Safe Deposit Box 5” x 10”$30
per year
Safe Deposit Box 5” x 10” (audience not stated, treated as personal)$30
per year
Garnishments & Levies$50

Gift & Prepaid Cards

Visa Gift Cards$3

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance (audience not stated, treated as personal)	$7.50	per month	None
Monthly Service Charge	$10	per month	None
Monthly Service Charge if daily balance falls below …… (audience not stated, treated as personal)	$6	per month	None
Dormant Account Fee	$10	per month	None
Record research per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Fee per presentment	$25	per item	None
Returned Item Fee per presentment	$25	per item	None
ATM & Card
Card Reorder	$10	per item	None
Wire Transfers
Wire Transfers: Outgoing	$25	Not stated	None
Wire Transfers: Incoming	$15	Not stated	None
Check Services
Cashier’s Check	$5	Not stated	None
Cashier’s Checks – up	$5	Not stated	None
Money Order – Customer	$2	Not stated	None
Stop Payments	$20	Not stated	None
Digital & Electronic
Bill Pay (Standard Payment) .	No charge	Not stated	None
Zelle	No chargeNot compared: Per-occurrence charge, not monthly	per item	No Charge
Zelle®	No charge	Not stated	None
Account Services
Key Replacement	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box	$125Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box	$150Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10” x 10”	$50	per year	None
Safe Deposit Box 10” x 10” (audience not stated, treated as personal)	$50	per year	None
Safe Deposit Box 3” x 10”	$25	per year	None
Safe Deposit Box 3” x 10” (audience not stated, treated as personal)	$25	per year	None
Safe Deposit Box 3” x 5”	$15	per year	None
Safe Deposit Box 3” x 5” (audience not stated, treated as personal)	$15	per year	None
Safe Deposit Box 5” x 10”	$30	per year	None
Safe Deposit Box 5” x 10” (audience not stated, treated as personal)	$30	per year	None
Garnishments & Levies	$50	Not stated	None
Gift & Prepaid Cards
Visa Gift Cards	$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

Correct a fee source

Apr 20, 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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