Iowa State Savings Bank

Headquarters: Creston, Iowa
Charter: Bank
Assets: $276.5M
Fed district: Chicago

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

Source: its fee schedule, read Oct 21, 2026.

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Fees against the market

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

Monthly Maintenance
Relationship Checking
Can be waived with an average daily balance of $2,500 or more.
Iowa State Savings Bank: $10
Iowa State Savings Bank: $10
U.S. median: no median
Overdraft (OD)
Compared at $35, its standard fee, the highest of its prices
Iowa State Savings Bank: $25 to $35
Iowa State Savings Bank: $25 to $35
U.S. median: no median
NSF / Returned Item
Compared at $35, the middle of its prices
Iowa State Savings Bank: $30 to $50
Iowa State Savings Bank: $30 to $50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 21, 2026View sources

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

Account Maintenance

Maintenance fee$10
per month
Monthly service charge$10
per month
Account Research Balancing Assistance$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research or Reconciliation$40
Paper Statements$5
per month

Overdraft & NSF

Checking Account Overdraft (Item Paid)$25
per item
Paid Overdraft Fee (Per Presentment)$30
per item
Savings Account Overdraft or Non-Sufficient Funds (NSF)$35
per item
Bill Pay (NSF) (Per Item)$50
per item
NSF Returned Item Fee (Per Presentment)$30
per item
Savings Account Overdraft or Non-Sufficient Funds (NSF)$35
per item
Checking Account Maximum Daily Overdraft and NSF Fees (Any Combination)$75
per day

ATM & Card

Debit Card Replacement Fee$10
Debit Card Replacement Fee$12

Wire Transfers

Wire Transfers - Outgoing Domestic$35
Wire Transfers (Domestic): Outgoing (Customers Only)$20
Wire Transfers - Incoming Domestic$15
Wire Transfers (Domestic): Incoming (Customers Only)$10
Wire Transfers - Outgoing International$90
Wire Transfers (International): Outgoing (Customers Only)$50
Wire Transfers - Incoming International$15

Check Services

Cashier’s Check$8
Cashier's Check (Customers Only)$25
Personal Money Orders (Available for Customers Only)$3
Bill Payor Stop Payment$50
Stop Payment$30
Stop Payment Fee$35
Payroll Check Cashing (Non-Customer, from approved list)$5
Foreign Checks Deposited$10

Cash & Deposit

Returned Deposited Item$8

Account Services

Notary Services (Non-Customer)$5
Garnishment/Levy$50
Levy/Garnishment (As Permitted)$80

Other Fees

Fax$0.25
Not compared: Charged per page; comparison unavailable
per page
Photocopies$0.25
Not compared: Charged per page; comparison unavailable
per page
Statement Printout$5

Fee	Amount	Basis	Note
Account Maintenance
Maintenance fee	$10	per month	None
Monthly service charge	$10	per month	None
Account Research Balancing Assistance	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research or Reconciliation	$40	Not stated	None
Paper Statements	$5	per month	None
Overdraft & NSF
Checking Account Overdraft (Item Paid)	$25	per item	None
Paid Overdraft Fee (Per Presentment)	$30	per item	None
Savings Account Overdraft or Non-Sufficient Funds (NSF)	$35	per item	None
Bill Pay (NSF) (Per Item)	$50	per item	None
NSF Returned Item Fee (Per Presentment)	$30	per item	None
Savings Account Overdraft or Non-Sufficient Funds (NSF)	$35	per item	None
Checking Account Maximum Daily Overdraft and NSF Fees (Any Combination)	$75	per day	None
ATM & Card
Debit Card Replacement Fee	$10	Not stated	None
Debit Card Replacement Fee	$12	Not stated	None
Wire Transfers
Wire Transfers - Outgoing Domestic	$35	Not stated	None
Wire Transfers (Domestic): Outgoing (Customers Only)	$20	Not stated	None
Wire Transfers - Incoming Domestic	$15	Not stated	None
Wire Transfers (Domestic): Incoming (Customers Only)	$10	Not stated	None
Wire Transfers - Outgoing International	$90	Not stated	None
Wire Transfers (International): Outgoing (Customers Only)	$50	Not stated	None
Wire Transfers - Incoming International	$15	Not stated	None
Check Services
Cashier’s Check	$8	Not stated	None
Cashier's Check (Customers Only)	$25	Not stated	None
Personal Money Orders (Available for Customers Only)	$3	Not stated	None
Bill Payor Stop Payment	$50	Not stated	None
Stop Payment	$30	Not stated	None
Stop Payment Fee	$35	Not stated	None
Payroll Check Cashing (Non-Customer, from approved list)	$5	Not stated	None
Foreign Checks Deposited	$10	Not stated	None
Cash & Deposit
Returned Deposited Item	$8	Not stated	None
Account Services
Notary Services (Non-Customer)	$5	Not stated	None
Garnishment/Levy	$50	Not stated	None
Levy/Garnishment (As Permitted)	$80	Not stated	None
Other Fees
Fax	$0.25Not compared: Charged per page; comparison unavailable	per page	None
Photocopies	$0.25Not compared: Charged per page; comparison unavailable	per page	None
Statement Printout	$5	Not stated	None

Correct a fee source

Oct 21, 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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