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

Wayne Bank and Trust Co.

Richmond, IndianaBankChicago Fed districtFees collected Oct 3, 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

Benefits Checking Monthly Service Charge$6.95Within the typical range ($3–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=monthly_maintenance; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Benefits Checking Monthly Service Charge $6.95" · Source

Cash Rewards Checking Monthly Service Charge$5.95

$0.05 below the national median

per month · Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=monthly_maintenance; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Cash Rewards Checking Monthly Service Charge $5.95 (maintain a minimum daily balance of $500 to avoid fee)" · Source

Dormant Account Fee (non-activity after 1 year)$6

$1 above the national median

per month · Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=dormant_account; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Dormant Account Fee (non-activity after 1 year) $6.00 (monthly)" · Source

New Account Closed within 90 Days$30

$15 above the national median

Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=early_closure; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="New Account Closed within 90 Days $30.00" · Source

Paper Statement Fee (Rewards Accounts Only)$3

At the national median

Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=paper_statement; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Paper Statement Fee (Rewards Accounts Only) $3.00" · Source

Research/ Account Reconciliation$40

$15 above the national median

Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=account_research; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Research/ Account Reconciliation $40.00 per hour ($40 minimum)" · Source

Overdraft & NSFVerified

Non-sufficient Funds- Returned Item Fee$28Within the typical range ($25–$31 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=nsf; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Non-sufficient Funds- Returned Item Fee $28.00" · Source

ATM & CardVerified

Debit Card Replacement$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=card_replacement; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Debit Card Replacement $10.00" · Source

Wire TransfersVerified

Wire Transfer – Incoming$15Within the typical range ($5–$15 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=wire_domestic_incoming; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Wire Transfer – Incoming $15.00" · Source
Wire Transfer – Incoming International$50Above the typical range ($10–$25 nationally)
$35 above the national median
Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=wire_intl_incoming; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Wire Transfer – Incoming International $50.00" · Source
Wire Transfer – Outgoing$25Within the typical range ($20–$25 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=wire_domestic_outgoing; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Wire Transfer – Outgoing $25.00" · Source
Wire Transfer – Outgoing International (USD-United States Dollars)$65Above the typical range ($40–$50 nationally)
$15 above the national median
Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=wire_intl_outgoing; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Wire Transfer – Outgoing International (USD-United States Dollars) $65.00" · Source

Check ServicesVerified

Counter Checks/Deposit Tickets (12 per order)$5Above the typical range ($1–$4 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=counter_check; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Counter Checks/Deposit Tickets (12 per order) $5.00" · Source
Official Bank Check - Money Order Purchases$3Within the typical range ($3–$6 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=cashiers_check; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Official Bank Check - Money Order Purchases $3.00" · Source
Stop Payment Fee$28Within the typical range ($20–$30 nationally)
$2.50 above the national median
Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=stop_payment; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Stop Payment Fee $28.00" · Source

Cash & DepositVerified

Deposit Bags$10Within the typical range ($5–$20 nationally)
$2.50 below the national median
Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=night_deposit; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Deposit Bags $10.00 zipper, $25.00 locking" · Source
Returned Deposited Item (Business Accounts Only)$10Within the typical range ($10–$25 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=deposited_item_return; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Returned Deposited Item (Business Accounts Only) $10.00" · Source

Account ServicesVerified

10 X 10, 12 X 15 Box Annual Rent$120Above the typical range ($25–$77.50 nationally)
$75 above the national median
per year · Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=safe_deposit_box; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="10 X 10, 12 X 15* Box Annual Rent $120.00" · Source
10 X 3 Box Annual Rent$66Within the typical range ($25–$77.50 nationally)
$21 above the national median
per year · Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=safe_deposit_box; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="10 X 3 Box Annual Rent $66.00" · Source
10 X 5 Box Annual Rent$75Within the typical range ($25–$77.50 nationally)
$30 above the national median
per year · Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=safe_deposit_box; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="10 X 5 Box Annual Rent $75.00" · Source
2 X 4.5 Box Annual Rent$42Within the typical range ($25–$77.50 nationally)
$3 below the national median
per year · Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=safe_deposit_box; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="2 X 4.5* Box Annual Rent $42.00" · Source
4 X 6.5”, 4.5X5 Box Annual Rent$45Within the typical range ($25–$77.50 nationally)
At the national median
per year · Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=safe_deposit_box; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="4 X 6.5”, 4.5X5* Box Annual Rent $45.00" · Source
Notary Fee – Non-Account Holder$5Within the typical range ($0–$5 nationally)
$2.50 above the national median
Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=notary_fee; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Notary Fee – Non-Account Holder $5.00" · Source
Tax Levy/garnishment/attachment (Federal)$60Within the typical range ($30–$75 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=garnishment_levy; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Tax Levy/garnishment/attachment (Federal) $60.00" · Source
Tax Levy/garnishment/attachment (State)$20Below the typical range ($30–$75 nationally)
$30 below the national median
Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=garnishment_levy; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Tax Levy/garnishment/attachment (State) $20.00" · Source

Other FeesVerified

Duplicate Statement$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=document_reproduction; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Duplicate Statement $5.00" · Source
Photocopy Service$2Within the typical range ($2–$5 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=document_reproduction; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Photocopy Service $2.00 per page" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Benefits Checking Monthly Service Charge	$6.95Within the typical range ($3–$10 nationally)	$0.95 above the national median	per month	Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=monthly_maintenance; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Benefits Checking Monthly Service Charge $6.95"	Source
Cash Rewards Checking Monthly Service Charge	$5.95Within the typical range ($3–$10 nationally)	$0.05 below the national median	per month	Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=monthly_maintenance; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Cash Rewards Checking Monthly Service Charge $5.95 (maintain a minimum daily balance of $500 to avoid fee)"	Source
Dormant Account Fee (non-activity after 1 year)	$6Within the typical range ($5–$10 nationally)	$1 above the national median	per month	Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=dormant_account; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Dormant Account Fee (non-activity after 1 year) $6.00 (monthly)"	Source
New Account Closed within 90 Days	$30Above the typical range ($10–$25 nationally)	$15 above the national median	—	Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=early_closure; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="New Account Closed within 90 Days $30.00"	Source
Paper Statement Fee (Rewards Accounts Only)	$3Within the typical range ($2–$5 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=paper_statement; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Paper Statement Fee (Rewards Accounts Only) $3.00"	Source
Research/ Account Reconciliation	$40Above the typical range ($17.50–$25 nationally)	$15 above the national median	—	Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=account_research; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Research/ Account Reconciliation $40.00 per hour ($40 minimum)"	Source
Overdraft & NSFVerified
Non-sufficient Funds- Returned Item Fee	$28Within the typical range ($25–$31 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=nsf; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Non-sufficient Funds- Returned Item Fee $28.00"	Source
ATM & CardVerified
Debit Card Replacement	$10Within the typical range ($5–$10 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=card_replacement; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Debit Card Replacement $10.00"	Source
Wire TransfersVerified
Wire Transfer – Incoming	$15Within the typical range ($5–$15 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=wire_domestic_incoming; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Wire Transfer – Incoming $15.00"	Source
Wire Transfer – Incoming International
Check ServicesVerified
Counter Checks/Deposit Tickets (12 per order)	$5Above the typical range ($1–$4 nationally)	$3 above the national median	—	Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=counter_check; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Counter Checks/Deposit Tickets (12 per order) $5.00"	Source
Official Bank Check - Money Order Purchases
Cash & DepositVerified
Deposit Bags	$10Within the typical range ($5–$20 nationally)	$2.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=night_deposit; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Deposit Bags $10.00 zipper, $25.00 locking"	Source
Returned Deposited Item (Business Accounts Only)
Account ServicesVerified
10 X 10, 12 X 15 Box Annual Rent	$120Above the typical range ($25–$77.50 nationally)	$75 above the national median	per year	Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=safe_deposit_box; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="10 X 10, 12 X 15* Box Annual Rent $120.00"	Source
10 X 3 Box Annual Rent
Other FeesVerified
Duplicate Statement	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #1386. canonical_hint=document_reproduction; text_hash=da279e77f2c3663fc8a9967de46f91f9d8680bac9bda4750cd767513c3c8843a; excerpt="Duplicate Statement $5.00"	Source
Photocopy Service	$2

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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.

NSF fee: $28

7% below the national median NSF fee

Total fees: 27

Headline fees published

10 of 15

Published fees

Under review

Assets

$255.3M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$255.3M

Total deposits

$224.6M

Service charge income

$54K

Fee income ratio

1.9%

Return on assets

1.02%

Branches

Service charge income by quarter

Q2 2026$54K

Q1 2026$53K

Q4 2025$55K

Q3 2025$61K

Financial profile · Pro

Performance from regulator filings

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 28,880 verified fees from 2,290 institutions

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