14 published fees; none has a market median to compare yet.
Source: its fee schedule, read Apr 20, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Wray State Bank · $312M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Wray State Bank(this institution) | Wray, CO | $312M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 1NB Bank | Carlyle, IL | $319M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of Coushatta | Coushatta, LA | $317M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | 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 |
| Bank of Yazoo City | Yazoo City, MS | $318M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Centera Bank | Sublette, KS | $318M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Independent Bank | Saint Louis Park, MN | $314M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 | Longview, TX | $315M | Publishes Monthly maintenance | Publishes Out-of-network ATM | 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 |
| 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 |
| Guaranty Bank and Trust Company | New Roads, LA | $319M | Monthly maintenance not published | Publishes Out-of-network ATM | 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 |
| People's Bank and Trust Company of Pickett County | Byrdstown, TN | $319M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| PEOPLES BANK | Sheridan, AR | $314M | 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 |
| Profile Bank | Rochester, NH | $317M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Seneca Savings Bank, National Association | Baldwinsville, NY | $312M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sewickley Savings Bank | Sewickley, PA | $316M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| State Bank of Graymont | Graymont, IL | $313M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | 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 |
| The National Iron Bank | Salisbury, CT | $318M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| The Payne County Bank | Perkins, OK | $313M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| TNBANK | Oak Ridge, TN | $318M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | 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 · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $7.50, the middle of its three prices, against a peer median of $6 among 15 publishing peers.
Its three checking prices are $6, $7.50 and $10.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 21, 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 Oct 21, 2026. Total assets from FDIC and NCUA records.
Amounts from Wray State Bank’s own schedules, with a source for each figure.
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| 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
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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