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.

Explore Hamilton View published fees

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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Among its peers

First International Bank & Trust · $6.2B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.

Banks only
$5.5B to $6.8B in assets
Headquartered in 14 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First International Bank & Trust(this institution)	Watford City, ND	$6.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alpine Bank	Glenwood Springs, CO	$6.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Banesco USA	Miami, FL	$6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bradesco Bank	Coral Gables, FL	$6.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
CFG Bank	Lutherville, MD	$6.1B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Choice Financial Group	Fargo, ND	$6.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Emigrant Bank	Miami, FL	$5.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
First Bank	St. Louis, MO	$6.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Financial Bank, National Association	Terre Haute, IN	$6.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Internet Bank of Indiana	Fishers, IN	$5.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First National Bank of America	East Lansing, MI	$6.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Firstrust Savings Bank	Conshohocken, PA	$5.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Five Star Bank	Warsaw, NY	$6.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Independent Bank	Grand Rapids, MI	$5.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Institution for Savings in Newburyport and Its Vicinity	Newburyport, MA	$5.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Intrust Bank, National Association	Wichita, KS	$6.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mercantile Bank	Grand Rapids, MI	$6.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Middlesex Savings Bank	Natick, MA	$6.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Orrstown Bank	Harrisburg, PA	$5.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
River City Bank	Sacramento, CA	$6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Shore United Bank, National Association	Easton, MD	$6.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Washington Trust Company, of Westerly	Westerly, RI	$6.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
TrustCo Bank	Glenville, NY	$6.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
United Fidelity Bank, fsb	Evansville, IN	$6.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Westamerica Bank	San Rafael, CA	$5.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wilson Bank and Trust	Lebanon, TN	$6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $0.45 (4.5%) above the median of similar-sized banks.

Compared at $10.45, the middle of its four prices, against a peer median of $10 among 16 publishing peers.

Its four checking prices are $5.95, $7.95, $12.95 and $15.

$10.45 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

First International Bank…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

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 Nov 4, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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

Get an email when First International Bank & Trust's early account closure changes in our data

We check once a day and send one email covering every change.

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.

Among its peers

First International Bank & Trust · $6.2B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.

Banks only
$5.5B to $6.8B in assets
Headquartered in 14 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First International Bank & Trust(this institution)	Watford City, ND	$6.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alpine Bank	Glenwood Springs, CO	$6.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Banesco USA	Miami, FL	$6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bradesco Bank	Coral Gables, FL	$6.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
CFG Bank	Lutherville, MD	$6.1B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Choice Financial Group	Fargo, ND	$6.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Emigrant Bank	Miami, FL	$5.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
First Bank	St. Louis, MO	$6.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Financial Bank, National Association	Terre Haute, IN	$6.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Internet Bank of Indiana	Fishers, IN	$5.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First National Bank of America	East Lansing, MI	$6.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Firstrust Savings Bank	Conshohocken, PA	$5.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Five Star Bank	Warsaw, NY	$6.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Independent Bank	Grand Rapids, MI	$5.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Institution for Savings in Newburyport and Its Vicinity	Newburyport, MA	$5.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Intrust Bank, National Association	Wichita, KS	$6.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mercantile Bank	Grand Rapids, MI	$6.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Middlesex Savings Bank	Natick, MA	$6.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Orrstown Bank	Harrisburg, PA	$5.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
River City Bank	Sacramento, CA	$6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Shore United Bank, National Association	Easton, MD	$6.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Washington Trust Company, of Westerly	Westerly, RI	$6.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
TrustCo Bank	Glenville, NY	$6.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
United Fidelity Bank, fsb	Evansville, IN	$6.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Westamerica Bank	San Rafael, CA	$5.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wilson Bank and Trust	Lebanon, TN	$6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $0.45 (4.5%) above the median of similar-sized banks.

Compared at $10.45, the middle of its four prices, against a peer median of $10 among 16 publishing peers.

Its four checking prices are $5.95, $7.95, $12.95 and $15.

$10.45 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

First International Bank…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

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 Nov 4, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.