Citizens Bank & Trust Company

Headquarters: Saint Paul, Nebraska
Charter: Bank
Assets: $242.3M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 27, 2026.

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Fees against the market

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

Monthly Maintenance
Citizens Bank & Trust Company: $5
Citizens Bank & Trust Company: $5
U.S. median: no median
Overdraft (OD)
Citizens Bank & Trust Company: $25
Citizens Bank & Trust Company: $25
U.S. median: no median
NSF / Returned Item
Citizens Bank & Trust Company: $25
Citizens Bank & Trust Company: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 27, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Nebraska, the Kansas City 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).
Nebraska: Banks and credit unions headquartered in Nebraska that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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 Citizens Bank & Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$5
Account Reconciliation$15
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Charge created by check, in person withdrawal, ATM withdrawal or other electronic means$25
per item
Returned Item/Non-Sufficient Funds (NSF) Fee$25
per item
Overdraft Daily Cap$100
per day

ATM & Card

ATM/VISA Debit Card - Foreign ATM Tran Fee$2
ATM/VISA Debit Card - Replace Visa Debit Card$5

Wire Transfers

Outgoing Wire$20
Incoming Wire$20
International Outgoing Wire$50

Check Services

Cashier's Check$5
Personal Money Order ($500 maximum)$3
Stop Payment$15

Account Services

Garnishment$20
Levy$20

Other Fees

Statement Reproduction$3

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$5	Not stated	None
Account Reconciliation	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Charge created by check, in person withdrawal, ATM withdrawal or other electronic means	$25	per item	None
Returned Item/Non-Sufficient Funds (NSF) Fee	$25	per item	None
Overdraft Daily Cap	$100	per day	None
ATM & Card
ATM/VISA Debit Card - Foreign ATM Tran Fee	$2	Not stated	None
ATM/VISA Debit Card - Replace Visa Debit Card	$5	Not stated	None
Wire Transfers
Outgoing Wire	$20	Not stated	None
Incoming Wire	$20	Not stated	None
International Outgoing Wire	$50	Not stated	None
Check Services
Cashier's Check	$5	Not stated	None
Personal Money Order ($500 maximum)	$3	Not stated	None
Stop Payment	$15	Not stated	None
Account Services
Garnishment	$20	Not stated	None
Levy	$20	Not stated	None
Other Fees
Statement Reproduction	$3	Not stated	None

Correct a fee source

Oct 27, 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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