The First National Bank of Milaca

Headquarters: Milaca, Minnesota
Charter: Bank
Assets: $293.2M
Fed district: Minneapolis

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

Source: its fee schedule, read Oct 17, 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
The First National Bank of Milaca: $25
The First National Bank of Milaca: $25
U.S. median: no median
Overdraft (OD)
The First National Bank of Milaca: $35
The First National Bank of Milaca: $35
U.S. median: no median
NSF / Returned Item
The First National Bank of Milaca: $35
The First National Bank of Milaca: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Minnesota, the Minneapolis 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).
Minnesota: Banks and credit unions headquartered in Minnesota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 The First National Bank of Milaca’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$25
per month
New Account Closure (w/in 30 days)$20
Dormant Account Fee$5
per month
Statement Reconciliation - First TimeNo charge
Monthly mailed statement fee$3
per month
Bad Address Fee -per account/ statement cycle$5

Overdraft & NSF

Overdraft (OD) Charge$35
Return Item Fee$35
Continuous Overdraft Fee$1
per day

ATM & Card

ATM owned by Others$0.50
per item
Replacement/Lost Card$20

Wire Transfers

Wire Transfers: Outgoing Domestic (Customer)$35
Wire Transfers: Foreign (Customer)$80

Check Services

Cashiers Checks$5
Money Orders$3
Stop Payment Charge$35
per item
Check Cashing (Non-customer)$5

Digital & Electronic

Online Bill Pay Plus Inactive Fee$5.95
per month

Cash & Deposit

Loose Coin Counting (non customer) (audience not stated, treated as personal)10%

Account Services

Notary Fee (non-customer)$5
Lost Key$25
Not compared: Box drilling or key fee
Safe Deposit Box Drilling$300
Not compared: Box drilling or key fee
Safe Deposit Box Lost Key$75
Not compared: Box drilling or key fee
Levies & Garnishments$50

Lending Fees

Late fee$5

Gift & Prepaid Cards

Gift Card Purchase$4.95

Other Fees

Faxed Transmissions$1
Not compared: Charged per page; comparison unavailable
per page · Faxed Transmissions | $1/page

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$25	per month	None
New Account Closure (w/in 30 days)	$20	Not stated	None
Dormant Account Fee	$5	per month	None
Statement Reconciliation - First Time	No charge	Not stated	None
Monthly mailed statement fee	$3	per month	None
Bad Address Fee -per account/ statement cycle	$5	Not stated	None
Overdraft & NSF
Overdraft (OD) Charge	$35	Not stated	None
Return Item Fee	$35	Not stated	None
Continuous Overdraft Fee	$1	per day	None
ATM & Card
ATM owned by Others	$0.50	per item	None
Replacement/Lost Card	$20	Not stated	None
Wire Transfers
Wire Transfers: Outgoing Domestic (Customer)	$35	Not stated	None
Wire Transfers: Foreign (Customer)	$80	Not stated	None
Check Services
Cashiers Checks	$5	Not stated	None
Money Orders	$3	Not stated	None
Stop Payment Charge	$35	per item	None
Check Cashing (Non-customer)	$5	Not stated	None
Digital & Electronic
Online Bill Pay Plus Inactive Fee	$5.95	per month	None
Cash & Deposit
Loose Coin Counting (non customer) (audience not stated, treated as personal)	10%	Not stated	None
Account Services
Notary Fee (non-customer)	$5	Not stated	None
Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Drilling	$300Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Lost Key	$75Not compared: Box drilling or key fee	Not stated	None
Levies & Garnishments	$50	Not stated	None
Lending Fees
Late fee	$5	Not stated	None
Gift & Prepaid Cards
Gift Card Purchase	$4.95	Not stated	None
Other Fees
Faxed Transmissions	$1Not compared: Charged per page; comparison unavailable	per page	Faxed Transmissions \| $1/page

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

Account Maintenance

Monthly fee$25
per month
New Account Closure (w/in 30 days)$20
Dormant Account Fee$5
per month
Statement Reconciliation - First TimeNo charge
Bad Address Fee -per account/ statement cycle$5

Overdraft & NSF

Overdraft (OD) Charge$35
Return Item Fee$35
Continuous Overdraft Fee$1
per day

ATM & Card

ATM owned by Others$0.50
per item
Replacement/Lost Card$20

Wire Transfers

Wire Transfers: Outgoing Domestic (Customer)$35
Wire Transfers: Foreign (Customer)$80

Check Services

Cashiers Checks$5
Money Orders$3
Stop Payment Charge$35
per item
Check Cashing (Non-customer)$5

Digital & Electronic

Online Bill Pay Plus Inactive Fee$5.95
per month

Cash & Deposit

Commercial Chargeback$10
per item

Account Services

Notary Fee (non-customer)$5
Lost Key$25
Not compared: Box drilling or key fee
Safe Deposit Box Drilling$300
Not compared: Box drilling or key fee
Safe Deposit Box Lost Key$75
Not compared: Box drilling or key fee
Levies & Garnishments$50

Lending Fees

Late fee$5

Gift & Prepaid Cards

Gift Card Purchase$4.95

Other Fees

Faxed Transmissions$1
Not compared: Charged per page; comparison unavailable
per page · Faxed Transmissions | $1/page

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$25	per month	None
New Account Closure (w/in 30 days)	$20	Not stated	None
Dormant Account Fee	$5	per month	None
Statement Reconciliation - First Time	No charge	Not stated	None
Bad Address Fee -per account/ statement cycle	$5	Not stated	None
Overdraft & NSF
Overdraft (OD) Charge	$35	Not stated	None
Return Item Fee	$35	Not stated	None
Continuous Overdraft Fee	$1	per day	None
ATM & Card
ATM owned by Others	$0.50	per item	None
Replacement/Lost Card	$20	Not stated	None
Wire Transfers
Wire Transfers: Outgoing Domestic (Customer)	$35	Not stated	None
Wire Transfers: Foreign (Customer)	$80	Not stated	None
Check Services
Cashiers Checks	$5	Not stated	None
Money Orders	$3	Not stated	None
Stop Payment Charge	$35	per item	None
Check Cashing (Non-customer)	$5	Not stated	None
Digital & Electronic
Online Bill Pay Plus Inactive Fee	$5.95	per month	None
Cash & Deposit
Commercial Chargeback	$10	per item	None
Account Services
Notary Fee (non-customer)	$5	Not stated	None
Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Drilling	$300Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Lost Key	$75Not compared: Box drilling or key fee	Not stated	None
Levies & Garnishments	$50	Not stated	None
Lending Fees
Late fee	$5	Not stated	None
Gift & Prepaid Cards
Gift Card Purchase	$4.95	Not stated	None
Other Fees
Faxed Transmissions	$1Not compared: Charged per page; comparison unavailable	per page	Faxed Transmissions \| $1/page

Correct a fee source

Oct 17, 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 The First National Bank of Milaca's monthly maintenance changes in our data

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Fees against the market

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

Monthly Maintenance
The First National Bank of Milaca: $25
The First National Bank of Milaca: $25
U.S. median: no median
Overdraft (OD)
The First National Bank of Milaca: $35
The First National Bank of Milaca: $35
U.S. median: no median
NSF / Returned Item
The First National Bank of Milaca: $35
The First National Bank of Milaca: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 2026View sources

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).
Minnesota: Banks and credit unions headquartered in Minnesota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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.

Published fee schedule

Amounts from The First National Bank of Milaca’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$25
per month
New Account Closure (w/in 30 days)$20
Dormant Account Fee$5
per month
Statement Reconciliation - First TimeNo charge
Monthly mailed statement fee$3
per month
Bad Address Fee -per account/ statement cycle$5

Overdraft & NSF

Overdraft (OD) Charge$35
Return Item Fee$35
Continuous Overdraft Fee$1
per day

ATM & Card

ATM owned by Others$0.50
per item
Replacement/Lost Card$20

Wire Transfers

Wire Transfers: Outgoing Domestic (Customer)$35
Wire Transfers: Foreign (Customer)$80

Check Services

Cashiers Checks$5
Money Orders$3
Stop Payment Charge$35
per item
Check Cashing (Non-customer)$5

Digital & Electronic

Online Bill Pay Plus Inactive Fee$5.95
per month

Cash & Deposit

Loose Coin Counting (non customer) (audience not stated, treated as personal)10%

Account Services

Notary Fee (non-customer)$5
Lost Key$25
Not compared: Box drilling or key fee
Safe Deposit Box Drilling$300
Not compared: Box drilling or key fee
Safe Deposit Box Lost Key$75
Not compared: Box drilling or key fee
Levies & Garnishments$50

Lending Fees

Late fee$5

Gift & Prepaid Cards

Gift Card Purchase$4.95

Other Fees

Faxed Transmissions$1
Not compared: Charged per page; comparison unavailable
per page · Faxed Transmissions | $1/page

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$25	per month	None
New Account Closure (w/in 30 days)	$20	Not stated	None
Dormant Account Fee	$5	per month	None
Statement Reconciliation - First Time	No charge	Not stated	None
Monthly mailed statement fee	$3	per month	None
Bad Address Fee -per account/ statement cycle	$5	Not stated	None
Overdraft & NSF
Overdraft (OD) Charge	$35	Not stated	None
Return Item Fee	$35	Not stated	None
Continuous Overdraft Fee	$1	per day	None
ATM & Card
ATM owned by Others	$0.50	per item	None
Replacement/Lost Card	$20	Not stated	None
Wire Transfers
Wire Transfers: Outgoing Domestic (Customer)	$35	Not stated	None
Wire Transfers: Foreign (Customer)	$80	Not stated	None
Check Services
Cashiers Checks	$5	Not stated	None
Money Orders	$3	Not stated	None
Stop Payment Charge	$35	per item	None
Check Cashing (Non-customer)	$5	Not stated	None
Digital & Electronic
Online Bill Pay Plus Inactive Fee	$5.95	per month	None
Cash & Deposit
Loose Coin Counting (non customer) (audience not stated, treated as personal)	10%	Not stated	None
Account Services
Notary Fee (non-customer)	$5	Not stated	None
Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Drilling	$300Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Lost Key	$75Not compared: Box drilling or key fee	Not stated	None
Levies & Garnishments	$50	Not stated	None
Lending Fees
Late fee	$5	Not stated	None
Gift & Prepaid Cards
Gift Card Purchase	$4.95	Not stated	None
Other Fees
Faxed Transmissions	$1Not compared: Charged per page; comparison unavailable	per page	Faxed Transmissions \| $1/page

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

Account Maintenance

Monthly fee$25
per month
New Account Closure (w/in 30 days)$20
Dormant Account Fee$5
per month
Statement Reconciliation - First TimeNo charge
Bad Address Fee -per account/ statement cycle$5

Overdraft & NSF

Overdraft (OD) Charge$35
Return Item Fee$35
Continuous Overdraft Fee$1
per day

ATM & Card

ATM owned by Others$0.50
per item
Replacement/Lost Card$20

Wire Transfers

Wire Transfers: Outgoing Domestic (Customer)$35
Wire Transfers: Foreign (Customer)$80

Check Services

Cashiers Checks$5
Money Orders$3
Stop Payment Charge$35
per item
Check Cashing (Non-customer)$5

Digital & Electronic

Online Bill Pay Plus Inactive Fee$5.95
per month

Cash & Deposit

Commercial Chargeback$10
per item

Account Services

Notary Fee (non-customer)$5
Lost Key$25
Not compared: Box drilling or key fee
Safe Deposit Box Drilling$300
Not compared: Box drilling or key fee
Safe Deposit Box Lost Key$75
Not compared: Box drilling or key fee
Levies & Garnishments$50

Lending Fees

Late fee$5

Gift & Prepaid Cards

Gift Card Purchase$4.95

Other Fees

Faxed Transmissions$1
Not compared: Charged per page; comparison unavailable
per page · Faxed Transmissions | $1/page

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$25	per month	None
New Account Closure (w/in 30 days)	$20	Not stated	None
Dormant Account Fee	$5	per month	None
Statement Reconciliation - First Time	No charge	Not stated	None
Bad Address Fee -per account/ statement cycle	$5	Not stated	None
Overdraft & NSF
Overdraft (OD) Charge	$35	Not stated	None
Return Item Fee	$35	Not stated	None
Continuous Overdraft Fee	$1	per day	None
ATM & Card
ATM owned by Others	$0.50	per item	None
Replacement/Lost Card	$20	Not stated	None
Wire Transfers
Wire Transfers: Outgoing Domestic (Customer)	$35	Not stated	None
Wire Transfers: Foreign (Customer)	$80	Not stated	None
Check Services
Cashiers Checks	$5	Not stated	None
Money Orders	$3	Not stated	None
Stop Payment Charge	$35	per item	None
Check Cashing (Non-customer)	$5	Not stated	None
Digital & Electronic
Online Bill Pay Plus Inactive Fee	$5.95	per month	None
Cash & Deposit
Commercial Chargeback	$10	per item	None
Account Services
Notary Fee (non-customer)	$5	Not stated	None
Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Drilling	$300Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Lost Key	$75Not compared: Box drilling or key fee	Not stated	None
Levies & Garnishments	$50	Not stated	None
Lending Fees
Late fee	$5	Not stated	None
Gift & Prepaid Cards
Gift Card Purchase	$4.95	Not stated	None
Other Fees
Faxed Transmissions	$1Not compared: Charged per page; comparison unavailable	per page	Faxed Transmissions \| $1/page

Correct a fee source

Oct 17, 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.