vs. U.S. typical range:LowerTypicalHigher
$3.49 above the national median$4.49 above the Iowa median
per month · Source
$3.75 below the national median$2.75 below the Iowa median
per month · Source
$5 above the national median$7 above the Iowa median
per month · Source
$17.50 above the national median$20 above the Iowa median
$2.50 above the national median$2.50 above the Iowa median
per month · Source
$12.50 above the national median$10 above the Iowa median
$4 above the national median$4 above the Iowa median
per item · Source
$20 below the national median$18.50 below the Iowa median
per item · Source
$2.50 above the national median
per day · Source
$3 above the national median$3 above the Iowa median
per item · Source
$5 above the national median$9 above the Iowa median
$35 above the national median$39 above the Iowa median
$5 above the national median$5 above the Iowa median
At the national median$3.75 above the Iowa median
$2 above the national median$2 above the Iowa median
per item · Source
$5 above the national median$4 above the Iowa median
per item · Source
$12.50 above the national median$15 above the Iowa median
$30 above the national median$20 above the Iowa median
per month · Source
$2.50 below the national medianAt the Iowa median
At the national medianAt the Iowa median
$5 below the national median$5 below the Iowa median
$8 below the national median$2 below the Iowa median
per item · Source
$5 above the national median$10.01 above the Iowa median
per item · Source
$25 above the national median$25 above the Iowa median
$0.50 above the national medianAt the Iowa median
per item · Source
$72 above the national median$72.69 above the Iowa median
$7 above the national median$7.69 above the Iowa median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Monthly service fee on Elite Checking | $9.49Within the typical range ($4–$10 nationally) | $3.49 above the national median$4.49 above the Iowa median | per month | — | Source |
| You will be charged a monthly fee | $2.25Below the typical range ($4–$10 nationally) | $3.75 below the national median$2.75 below the Iowa median | per month | — | Source |
| Elite Money Market Account: minimum balance of $5,000 | $12Above the typical range ($5–$10 nationally) | $5 above the national median$7 above the Iowa median | per month | — | Source |
| Account Closing Fee: Fee | $35Above the typical range ($10–$25 nationally) | $17.50 above the national median$20 above the Iowa median | — | — | Source |
| Inactivity Fee | $7.50Within the typical range ($5–$10 nationally) | $2.50 above the national median$2.50 above the Iowa median | per month | — | Source |
| ACCOUNT BALANCE/ RESEARCH | $30Above the typical range ($12–$25 nationally) | $12.50 above the national median$10 above the Iowa median | — | — | Source |
Overdraft & NSFVerified | |||||
| Overdraft Fee | $34Above the typical range ($25–$33 nationally) | $4 above the national median$4 above the Iowa median | per item | — | Source |
| Replacement Check/Money Order: Replace a lost cashiers check or money order or to convert an insufficient funds check wi | $10 | ||||
Wire TransfersVerified | |||||
| Out-going Wire (domestic): A wire transfer that you send from your account to another U.S. bank account via not going th | $30Above the typical range ($20–$25 nationally) | $5 above the national median$9 above the Iowa median | — | — | Source |
| Out-going Wire via the Federal Reserve (domestic): A wire transfer that you send from your account to another U.S. bank | |||||
Check ServicesVerified | |||||
| Cashiers Check: A check guaranteed by the bank | $7Above the typical range ($3–$6 nationally) | $2 above the national median$2 above the Iowa median | per item | — | Source |
| Personal Money Order: Can be used as an alternative to a personal check. You can purchase money orders up to | |||||
Digital & ElectronicVerified | |||||
| Monthly fee to allow business to generate ACH transactions | $40Above the typical range ($5–$20 nationally) | $30 above the national median$20 above the Iowa median | per month | — | Source |
| Bill Pay: ability to pay bills 24/7, at your convenience, pay all bills at one site, safe and secure | |||||
Cash & DepositVerified | |||||
| Credit Card Cash Advance | $0Below the typical range ($2–$10 nationally) | $5 below the national median$5 below the Iowa median | — | — | Source |
| Deposited Checks Returned Unpaid: A deposited item that is returned to Heartland Bank as unpaid. | $7 | ||||
Account ServicesVerified | |||||
| Lost Safety Deposit Box Key: Unable to locate key to box. Bank replaces lost key(s) | $50Within the typical range ($30–$70 nationally) | $5 above the national median$10.01 above the Iowa median | per item | — | Source |
| Legal Process (Garnishment/Levy): Processing of any garnishment, tax levy or other court administrative order against an | |||||
Gift & Prepaid CardsVerified | |||||
| Gift Cards: Available in any amounts from $25 - $500. Accepted anywhere Visa credit cards are accepted. | $4Within the typical range ($3–$4.95 nationally) | $0.50 above the national medianAt the Iowa median | per item | — | Source |
Other FeesVerified | |||||
| One full year of Statement Copies: Proving additional copy of all statements for 12 month period. Statements can be pick | $75Above the typical range ($2–$5 nationally) | $72 above the national median$72.69 above the Iowa median | — | — | Source |
| STATEMENT SERVICES | $10 | ||||
Its state has too few comparable institutions, so these are its Fed district peers.
Overdraft
$34.00
Of 115 others that publish it, 82 lower, 3 the same and 30 higher.
Monthly maintenance
$5.87
Of 68 others that publish it, 25 lower and 43 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$34
Headline fees published
11 of 15
Published fees
27
Under review
0
Assets
$256.1M
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Financial Context
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
5
Service charge income by quarter
Financial profile · Pro
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| $20 below the national median$18.50 below the Iowa median |
| per item |
| — |
| Source |
| Overdraft Continuous Overdraft Fee | $7.50Within the typical range ($5–$15 nationally) | $2.50 above the national median | per day | — | Source |
| Overdraft Protection | $8Above the typical range ($2.50–$5 nationally) | $3 above the national median$3 above the Iowa median | per item | — | Source |
| $60Above the typical range ($20–$25 nationally) |
| $35 above the national median$39 above the Iowa median |
| — |
| — |
| Source |
| 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$5 above the Iowa median | — | — | Source |
| Out-going Wire (foreign): A wire transfer that you send from your account to a bank account outside the U.S. | $50Within the typical range ($40–$50 nationally) | At the national median$3.75 above the Iowa median | — | — | Source |
| $7Above the typical range ($1.50–$3 nationally) |
| $5 above the national median$4 above the Iowa median |
| per item |
| — |
| Source |
| Stop Payment: Placing a stop payment on a check or other transaction item | $40Above the typical range ($20–$30 nationally) | $12.50 above the national median$15 above the Iowa median | — | — | Source |
| $0Within the typical range ($0–$9.95 nationally) |
| $2.50 below the national medianAt the Iowa median |
| — |
| — |
| Source |
| Mobile Deposit: ability to deposit checks 24/7 via your smart phone | $0Within the typical range ($0–$0 nationally) | At the national medianAt the Iowa median | — | — | Source |
| $8 below the national median$2 below the Iowa median |
| per item |
| — |
| Source |
| $75Within the typical range ($30–$90 nationally) |
| $25 above the national median$25 above the Iowa median |
| — |
| — |
| Source |
| $7 above the national median$7.69 above the Iowa median |
| — |
| — |
| Source |