Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, under $300M

Heartland Bank

Somers, IowaBankChicago Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

(1) Monthly service fee on Elite Checking is$9.49Within the typical range ($3–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #2970. canonical_hint=monthly_maintenance; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="(1) Monthly service fee on Elite Checking is $9.49 if enrolled into estatements and $11.49 if not enrolled" · Source

ACCOUNT BALANCE/ RESEARCH | Account Balancing Assistance: The bank can assist you with balancing your account$30

$5 above the national median

Knox deterministic extraction from Rosetta artifact #2970. canonical_hint=account_research; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="ACCOUNT BALANCE/ RESEARCH | Account Balancing Assistance: The bank can assist you with balancing your account | $30 per hour" · Source

Account Closing Fee: Fee charged if new account is closed within six months of being open$35

$20 above the national median

Knox deterministic extraction from Rosetta artifact #2970. canonical_hint=early_closure; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="Account Closing Fee: Fee charged if new account is closed within six months of being open | $35*" · Source

Overdraft & NSFVerified

Overdraft Continuous Overdraft Fee$7.50Within the typical range ($5–$22.50 nationally)
$1.50 above the national median
Knox deterministic extraction from Rosetta artifact #2970. canonical_hint=continuous_od; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="Overdraft Continuous Overdraft Fee | $7.50* charged each business day a business checking account remains overdrawn after five consecutive days." · Source
OVERDRAFT FEES | Overdraft Fee$34Above the typical range ($25–$31 nationally)
$4 above the national median
per item · Knox deterministic extraction from Rosetta artifact #2970. canonical_hint=overdraft; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="OVERDRAFT FEES | Overdraft Fee | $34 for each item we pay or return" · Source
Overdraft Protection (If you have signed up for this protection)$8Above the typical range ($2.88–$5 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #2970. canonical_hint=od_protection_transfer; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="Overdraft Protection (If you have signed up for this protection) | $8* each time we transfer available funds automatically from another bank account. If a deposit is made the same " · Source
Replacement Check/Money Order: Replace a lost cashiers check or money order or to convert an insufficient funds check wi$10Below the typical range ($25–$31 nationally)
$20 below the national median
per item · Knox deterministic extraction from Rosetta artifact #2970. canonical_hint=nsf; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="Replacement Check/Money Order: Replace a lost cashiers check or money order or to convert an insufficient funds check with a cashiers check | $10* per item" · Source

Wire TransfersVerified

Incoming Wires (domestic): A wire transfer that is deposited into your account from another bank via not going through t$15Within the typical range ($5–$15 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #2970. canonical_hint=wire_domestic_incoming; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="Incoming Wires (domestic): A wire transfer that is deposited into your account from another bank via not going through the Federal Reserve | $15*" · Source

Check ServicesVerified

Cashiers Check: A check guaranteed by the bank$7Above the typical range ($3–$6 nationally)
$2 above the national median
per item · Knox deterministic extraction from Rosetta artifact #2970. canonical_hint=cashiers_check; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="Cashiers Check: A check guaranteed by the bank | $7* per check" · Source
Personal Money Order: Can be used as an alternative to a personal check. You can purchase money orders up to$7Above the typical range ($2–$3 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #2970. canonical_hint=money_order; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="Personal Money Order: Can be used as an alternative to a personal check. You can purchase money orders up to $1000 | $7* per money order" · Source
Stop Payment: Placing a stop payment on a check or other transaction item$40Above the typical range ($20–$30 nationally)
$13 above the national median
Knox deterministic extraction from Rosetta artifact #2970. canonical_hint=stop_payment; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="Stop Payment: Placing a stop payment on a check or other transaction item | $40*" · Source

Digital & ElectronicVerified

Bill Pay: ability to pay bills 24/7, at your convenience, pay all bills at one site, safe and secure$0Within the typical range ($0–$10 nationally)
$4.95 below the national median
Knox read a free fee from Rosetta artifact #2970. canonical_hint=bill_pay; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="Bill Pay: ability to pay bills 24/7, at your convenience, pay all bills at one site, safe and secure | FREE" · Source
BUSINESS SERVICES | ACH Origination Service: Monthly fee to allow business to generate ACH transactions$40Above the typical range ($5–$20 nationally)
$30 above the national median
per month · Knox deterministic extraction from Rosetta artifact #2970. canonical_hint=ach_origination; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="BUSINESS SERVICES | ACH Origination Service: Monthly fee to allow business to generate ACH transactions | $40* per month" · Source
Mobile Deposit: ability to deposit checks 24/7 via your smart phone.$0Within the typical range ($0–$0.41 nationally)
At the national median
Knox read a free fee from Rosetta artifact #2970. canonical_hint=mobile_deposit; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="Mobile Deposit: ability to deposit checks 24/7 via your smart phone. | FREE" · Source

Cash & DepositVerified

Credit Card Cash Advance$0Below the typical range ($3–$10 nationally)
$5 below the national median
Knox read a free fee from Rosetta artifact #2970. canonical_hint=cash_advance; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="Credit Card Cash Advance: | No Charge" · Source
Deposited Checks Returned Unpaid: A deposited item that is returned to Heartland Bank as unpaid.$7Below the typical range ($10–$25 nationally)
$8 below the national median
per item · Knox deterministic extraction from Rosetta artifact #2970. canonical_hint=deposited_item_return; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="Deposited Checks Returned Unpaid: A deposited item that is returned to Heartland Bank as unpaid. | $7* per item" · Source

Account ServicesVerified

Legal Process (Garnishment/Levy): Processing of any garnishment, tax levy or other court administrative order against an$75Within the typical range ($30–$75 nationally)
$25 above the national median
Knox deterministic extraction from Rosetta artifact #2970. canonical_hint=garnishment_levy; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="Legal Process (Garnishment/Levy): Processing of any garnishment, tax levy or other court administrative order against an account, whether or not the funds are actually paid | $75* " · Source
Lost Safety Deposit Box Key: Unable to locate key to box. Bank replaces lost key(s)$50Within the typical range ($25–$75 nationally)
$7.50 above the national median
Knox deterministic extraction from Rosetta artifact #2970. canonical_hint=safe_deposit_box; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="Lost Safety Deposit Box Key: Unable to locate key to box. Bank replaces lost key(s) | $50 per key" · Source

Other FeesVerified

STATEMENT SERVICES | Statement Copy: Providing additional copy of your statement for one specific month that you can pic$10Above the typical range ($2–$5 nationally)
$7 above the national median
Knox deterministic extraction from Rosetta artifact #2970. canonical_hint=document_reproduction; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="STATEMENT SERVICES | Statement Copy: Providing additional copy of your statement for one specific month that you can pick up at a branch or ask us to mail to you. | $10* per statem" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
(1) Monthly service fee on Elite Checking is	$9.49Within the typical range ($3–$10 nationally)	$3.50 above the national median	per month	Knox deterministic extraction from Rosetta artifact #2970. canonical_hint=monthly_maintenance; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="(1) Monthly service fee on Elite Checking is $9.49 if enrolled into estatements and $11.49 if not enrolled"	Source
ACCOUNT BALANCE/ RESEARCH \| Account Balancing Assistance: The bank can assist you with balancing your account	$30Above the typical range ($17.50–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #2970. canonical_hint=account_research; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="ACCOUNT BALANCE/ RESEARCH \| Account Balancing Assistance: The bank can assist you with balancing your account \| $30 per hour"	Source
Account Closing Fee: Fee charged if new account is closed within six months of being open	$35Above the typical range ($10–$25 nationally)	$20 above the national median	—	Knox deterministic extraction from Rosetta artifact #2970. canonical_hint=early_closure; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="Account Closing Fee: Fee charged if new account is closed within six months of being open \| $35*"	Source
Overdraft & NSFVerified
Overdraft Continuous Overdraft Fee	$7.50Within the typical range ($5–$22.50 nationally)	$1.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #2970. canonical_hint=continuous_od; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="Overdraft Continuous Overdraft Fee \| $7.50* charged each business day a business checking account remains overdrawn after five consecutive days."	Source
Wire TransfersVerified
Incoming Wires (domestic): A wire transfer that is deposited into your account from another bank via not going through t	$15Within the typical range ($5–$15 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #2970. canonical_hint=wire_domestic_incoming; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="Incoming Wires (domestic): A wire transfer that is deposited into your account from another bank via not going through the Federal Reserve \| $15*"	Source
Check ServicesVerified
Cashiers Check: A check guaranteed by the bank	$7Above the typical range ($3–$6 nationally)	$2 above the national median	per item	Knox deterministic extraction from Rosetta artifact #2970. canonical_hint=cashiers_check; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="Cashiers Check: A check guaranteed by the bank \| $7* per check"	Source

Digital & ElectronicVerified
Bill Pay: ability to pay bills 24/7, at your convenience, pay all bills at one site, safe and secure	$0Within the typical range ($0–$10 nationally)	$4.95 below the national median	—	Knox read a free fee from Rosetta artifact #2970. canonical_hint=bill_pay; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="Bill Pay: ability to pay bills 24/7, at your convenience, pay all bills at one site, safe and secure \| FREE"	Source

Cash & DepositVerified
Credit Card Cash Advance	$0Below the typical range ($3–$10 nationally)	$5 below the national median	—	Knox read a free fee from Rosetta artifact #2970. canonical_hint=cash_advance; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="Credit Card Cash Advance: \| No Charge"	Source
Deposited Checks Returned Unpaid: A deposited item that is returned to Heartland Bank as unpaid.
Account ServicesVerified
Legal Process (Garnishment/Levy): Processing of any garnishment, tax levy or other court administrative order against an	$75Within the typical range ($30–$75 nationally)	$25 above the national median	—	Knox deterministic extraction from Rosetta artifact #2970. canonical_hint=garnishment_levy; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="Legal Process (Garnishment/Levy): Processing of any garnishment, tax levy or other court administrative order against an account, whether or not the funds are actually paid \| $75* "	Source
Other FeesVerified
STATEMENT SERVICES \| Statement Copy: Providing additional copy of your statement for one specific month that you can pic	$10Above the typical range ($2–$5 nationally)	$7 above the national median	—	Knox deterministic extraction from Rosetta artifact #2970. canonical_hint=document_reproduction; text_hash=0ee281bcb0ce268872eb8dc862ab9543e0c33d1a60ea06e571ce4db85fc9a6be; excerpt="STATEMENT SERVICES \| Statement Copy: Providing additional copy of your statement for one specific month that you can pick up at a branch or ask us to mail to you. \| $10* per statem"	Source

Fee change alerts

Get an email when Heartland Bank changes a fee

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Work at Heartland Bank? Benchmark it against peers, free

Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$34

Overdraft fee: $34

13% above the national median overdraft fee

Total fees: 19 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$256.1M

Work at Heartland Bank? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. free, delivered in 48 hours.

Get your free report Correct or add a fee source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$256.1M

Total deposits

$203.7M

Service charge income

$150K

Fee income ratio

4.5%

Return on assets

1.91%

Branches

Service charge income by quarter

Q2 2026$150K

Q1 2026$155K

Q4 2025$164K

Q3 2025$177K

Financial profile · Pro

Performance from regulator filings

Personal Money Order: Can be used as an alternative to a personal check. You can purchase money orders up to

BUSINESS SERVICES | ACH Origination Service: Monthly fee to allow business to generate ACH transactions

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 61 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 27,539 verified fees from 2,277 institutions

See pricing