First International Bank & Trust

Headquarters: Watford City, North Dakota
Charter: Bank
Assets: $6.2B
Fed district: Minneapolis

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

Source: its fee schedule, read Nov 1, 2026.

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Fees against the market

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

Monthly Maintenance
Rewards Checking $5.95 · Essential Checking $7.95 · Advantage Checking $12.95 · Convenient Online Account Access $15
Compared at $10.45, the middle of its prices
First International Bank & Trust: $5.95 to $15
First International Bank & Trust: $5.95 to $15
U.S. median: no median
Overdraft (OD)
First International Bank & Trust: $30
First International Bank & Trust: $30
U.S. median: no median
NSF / Returned Item
First International Bank & Trust: $30
First International Bank & Trust: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for North Dakota, 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).
North Dakota: Banks and credit unions headquartered in North Dakota 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 First International Bank & Trust’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$15
per month
Monthly Service Charge$7.95
per month
Monthly Service Charge$12.95
per month
Rewards Account Monthly Service Charge$5.95
per month
Early account closing$10
Account research$35
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft fee – Savings Account$30
Paid Overdraft Fee$30
Returned NSF fee$30
Continuous Overdraft Balance Fee$30
per item

ATM & Card

ATM and Debit Card replacement$5
per item
Rushed Debit card fee$50

Wire Transfers

Wire transfers – outgoing: Consumer$20
per item
Wire Transfers – Incoming$15
per item
International Wires$60
per item

Check Services

Cashier’s checks$5
per item
Stop Payment - per item$30
per item
Stop payments$30
per item
Collection items$25
per item

Account Services

Garnishments and levies$35

Gift & Prepaid Cards

Visa Prepaid Gift Cards$4.95
per item

Other Fees

Fax receiving$0.50
Not compared: Charged per page; comparison unavailable
per page
Photocopies$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$15	per month	None
Monthly Service Charge	$7.95	per month	None
Monthly Service Charge	$12.95	per month	None
Rewards Account Monthly Service Charge	$5.95	per month	None
Early account closing	$10	Not stated	None
Account research	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft fee – Savings Account	$30	Not stated	None
Paid Overdraft Fee	$30	Not stated	None
Returned NSF fee	$30	Not stated	None
Continuous Overdraft Balance Fee	$30	per item	None
ATM & Card
ATM and Debit Card replacement	$5	per item	None
Rushed Debit card fee	$50	Not stated	None
Wire Transfers
Wire transfers – outgoing: Consumer	$20	per item	None
Wire Transfers – Incoming	$15	per item	None
International Wires	$60	per item	None
Check Services
Cashier’s checks	$5	per item	None
Stop Payment - per item	$30	per item	None
Stop payments	$30	per item	None
Collection items	$25	per item	None
Account Services
Garnishments and levies	$35	Not stated	None
Gift & Prepaid Cards
Visa Prepaid Gift Cards	$4.95	per item	None
Other Fees
Fax receiving	$0.50Not compared: Charged per page; comparison unavailable	per page	None
Photocopies	$0.25	per item	None

Check Services

Free check images with monthly e-statements$5.95
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Check Services
Free check images with monthly e-statements	$5.95Not compared: Monthly charge, not per item	per month	None

Correct a fee source

Nov 1, 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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Fees against the market

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

Monthly Maintenance
Rewards Checking $5.95 · Essential Checking $7.95 · Advantage Checking $12.95 · Convenient Online Account Access $15
Compared at $10.45, the middle of its prices
First International Bank & Trust: $5.95 to $15
First International Bank & Trust: $5.95 to $15
U.S. median: no median
Overdraft (OD)
First International Bank & Trust: $30
First International Bank & Trust: $30
U.S. median: no median
NSF / Returned Item
First International Bank & Trust: $30
First International Bank & Trust: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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).
North Dakota: Banks and credit unions headquartered in North Dakota 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 First International Bank & Trust’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$15
per month
Monthly Service Charge$7.95
per month
Monthly Service Charge$12.95
per month
Rewards Account Monthly Service Charge$5.95
per month
Early account closing$10
Account research$35
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft fee – Savings Account$30
Paid Overdraft Fee$30
Returned NSF fee$30
Continuous Overdraft Balance Fee$30
per item

ATM & Card

ATM and Debit Card replacement$5
per item
Rushed Debit card fee$50

Wire Transfers

Wire transfers – outgoing: Consumer$20
per item
Wire Transfers – Incoming$15
per item
International Wires$60
per item

Check Services

Cashier’s checks$5
per item
Stop Payment - per item$30
per item
Stop payments$30
per item
Collection items$25
per item

Account Services

Garnishments and levies$35

Gift & Prepaid Cards

Visa Prepaid Gift Cards$4.95
per item

Other Fees

Fax receiving$0.50
Not compared: Charged per page; comparison unavailable
per page
Photocopies$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$15	per month	None
Monthly Service Charge	$7.95	per month	None
Monthly Service Charge	$12.95	per month	None
Rewards Account Monthly Service Charge	$5.95	per month	None
Early account closing	$10	Not stated	None
Account research	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft fee – Savings Account	$30	Not stated	None
Paid Overdraft Fee	$30	Not stated	None
Returned NSF fee	$30	Not stated	None
Continuous Overdraft Balance Fee	$30	per item	None
ATM & Card
ATM and Debit Card replacement	$5	per item	None
Rushed Debit card fee	$50	Not stated	None
Wire Transfers
Wire transfers – outgoing: Consumer	$20	per item	None
Wire Transfers – Incoming	$15	per item	None
International Wires	$60	per item	None
Check Services
Cashier’s checks	$5	per item	None
Stop Payment - per item	$30	per item	None
Stop payments	$30	per item	None
Collection items	$25	per item	None
Account Services
Garnishments and levies	$35	Not stated	None
Gift & Prepaid Cards
Visa Prepaid Gift Cards	$4.95	per item	None
Other Fees
Fax receiving	$0.50Not compared: Charged per page; comparison unavailable	per page	None
Photocopies	$0.25	per item	None

Check Services

Free check images with monthly e-statements$5.95
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Check Services
Free check images with monthly e-statements	$5.95Not compared: Monthly charge, not per item	per month	None

Correct a fee source

Nov 1, 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.