Wayne Bank and Trust Co.

Headquarters: Richmond, Indiana
Charter: Bank
Assets: $255.3M
Fed district: Chicago

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

Source: its fee schedule, read Oct 3, 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
Compared at $5.95, the middle of its prices
Wayne Bank and Trust Co.: $5.95 to $6.95
Wayne Bank and Trust Co.: $5.95 to $6.95
U.S. median: no median
Overdraft (OD)
Wayne Bank and Trust Co.: $28
Wayne Bank and Trust Co.: $28
U.S. median: no median
NSF / Returned Item
Wayne Bank and Trust Co.: $28
Wayne Bank and Trust Co.: $28
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Indiana, the Chicago 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).
Indiana: Banks and credit unions headquartered in Indiana that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 Wayne Bank and Trust Co.’s own schedules, with a source for each figure.

Account Maintenance

Benefits Checking Monthly Service Charge$6.95
per month
Cash Rewards Checking Monthly Service Charge$5.95
per month
Premium Interest Checking Monthly Service Charge$5.95
per month
New Account Closed within 90 Days$30
Dormant Account Fee (non-activity after 1 year)$6
per month
Research/ Account Reconciliation$40
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee (Rewards Accounts Only)$3
Excessive Activity Charge (More than 6 checks/transfers/automatic debits per month on Money Market)$5
per item

Overdraft & NSF

Non-sufficient Funds- Paid Item Fee$28
Non-sufficient Funds- Returned Item Fee$28
Overdraft Fee (after 4th Business Day of Continuous OD)$6
per day

ATM & Card

Debit Card Replacement$10

Wire Transfers

Wire Transfer – Outgoing$25
Wire Transfer – Incoming$15
Wire Transfer – Outgoing International (USD-United States Dollars)$65
Wire Transfer – Incoming International$50

Check Services

Official Bank Check - Cashier’s Check Purchased$3
Stop Payment Fee$28
Counter Checks/Deposit Tickets (12 per order)$5
per item
Foreign Check Processing$10

Cash & Deposit

Coin Processing – Non-Account Holder (audience not stated, treated as personal)10%($1 minimum)

Account Services

Notary Fee – Non-Account Holder$5
10 X 10, 12 X 15 Box Annual Rent$120
per year
10 X 3 Box Annual Rent$66
per year
10 X 5 Box Annual Rent$75
per year
2 X 4.5 Box Annual Rent$42
per year
3 X 5, 4 X 3.5, 4 X4, 5 X 3 Box Annual Rent$42
per year
4 X 6.5”, 4.5X5 Box Annual Rent$45
per year
8 X 9 Box Annual Rent$66
per year
Tax Levy/garnishment/attachment (Federal)$60
Tax Levy/garnishment/attachment (State)$20

Other Fees

Duplicate Statement$5
Photocopy Service$2
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Benefits Checking Monthly Service Charge	$6.95	per month	None
Cash Rewards Checking Monthly Service Charge	$5.95	per month	None
Premium Interest Checking Monthly Service Charge	$5.95	per month	None
New Account Closed within 90 Days	$30	Not stated	None
Dormant Account Fee (non-activity after 1 year)	$6	per month	None
Research/ Account Reconciliation	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee (Rewards Accounts Only)	$3	Not stated	None
Excessive Activity Charge (More than 6 checks/transfers/automatic debits per month on Money Market)	$5	per item	None
Overdraft & NSF
Non-sufficient Funds- Paid Item Fee	$28	Not stated	None
Non-sufficient Funds- Returned Item Fee	$28	Not stated	None
Overdraft Fee (after 4th Business Day of Continuous OD)	$6	per day	None
ATM & Card
Debit Card Replacement	$10	Not stated	None
Wire Transfers
Wire Transfer – Outgoing	$25	Not stated	None
Wire Transfer – Incoming	$15	Not stated	None
Wire Transfer – Outgoing International (USD-United States Dollars)	$65	Not stated	None
Wire Transfer – Incoming International	$50	Not stated	None
Check Services
Official Bank Check - Cashier’s Check Purchased	$3	Not stated	None
Stop Payment Fee	$28	Not stated	None
Counter Checks/Deposit Tickets (12 per order)	$5	per item	None
Foreign Check Processing	$10	Not stated	None
Cash & Deposit
Coin Processing – Non-Account Holder (audience not stated, treated as personal)	10%($1 minimum)	Not stated	None
Account Services
Notary Fee – Non-Account Holder	$5	Not stated	None
10 X 10, 12 X 15 Box Annual Rent	$120	per year	None
10 X 3 Box Annual Rent	$66	per year	None
10 X 5 Box Annual Rent	$75	per year	None
2 X 4.5 Box Annual Rent	$42	per year	None
3 X 5, 4 X 3.5, 4 X4, 5 X 3 Box Annual Rent	$42	per year	None
4 X 6.5”, 4.5X5 Box Annual Rent	$45	per year	None
8 X 9 Box Annual Rent	$66	per year	None
Tax Levy/garnishment/attachment (Federal)	$60	Not stated	None
Tax Levy/garnishment/attachment (State)	$20	Not stated	None
Other Fees
Duplicate Statement	$5	Not stated	None
Photocopy Service	$2Not compared: Charged per page; comparison unavailable	per page	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Benefits Checking Monthly Service Charge$6.95
per month
Cash Rewards Checking Monthly Service Charge$5.95
per month
Premium Interest Checking Monthly Service Charge$5.95
per month
New Account Closed within 90 Days$30
Dormant Account Fee (non-activity after 1 year)$6
per month
Research/ Account Reconciliation$40
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee (Rewards Accounts Only)$3
Excessive Activity Charge (More than 6 checks/transfers/automatic debits per month on Money Market)$5
per item

Overdraft & NSF

Non-sufficient Funds- Paid Item Fee$28
Non-sufficient Funds- Returned Item Fee$28
Overdraft Fee (after 4th Business Day of Continuous OD)$6
per day

ATM & Card

Debit Card Replacement$10

Wire Transfers

Wire Transfer – Outgoing$25
Wire Transfer – Incoming$15
Wire Transfer – Outgoing International (USD-United States Dollars)$65
Wire Transfer – Incoming International$50

Check Services

Official Bank Check - Cashier’s Check Purchased$3
Stop Payment Fee$28
Counter Checks/Deposit Tickets (12 per order)$5
per item
Foreign Check Processing$10

Cash & Deposit

Returned Deposited Item (Business Accounts Only)$10

Account Services

Notary Fee – Non-Account Holder$5
10 X 10, 12 X 15 Box Annual Rent$120
per year
10 X 3 Box Annual Rent$66
per year
10 X 5 Box Annual Rent$75
per year
2 X 4.5 Box Annual Rent$42
per year
3 X 5, 4 X 3.5, 4 X4, 5 X 3 Box Annual Rent$42
per year
4 X 6.5”, 4.5X5 Box Annual Rent$45
per year
8 X 9 Box Annual Rent$66
per year
Tax Levy/garnishment/attachment (Federal)$60
Tax Levy/garnishment/attachment (State)$20

Other Fees

Duplicate Statement$5
Photocopy Service$2
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Benefits Checking Monthly Service Charge	$6.95	per month	None
Cash Rewards Checking Monthly Service Charge	$5.95	per month	None
Premium Interest Checking Monthly Service Charge	$5.95	per month	None
New Account Closed within 90 Days	$30	Not stated	None
Dormant Account Fee (non-activity after 1 year)	$6	per month	None
Research/ Account Reconciliation	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee (Rewards Accounts Only)	$3	Not stated	None
Excessive Activity Charge (More than 6 checks/transfers/automatic debits per month on Money Market)	$5	per item	None
Overdraft & NSF
Non-sufficient Funds- Paid Item Fee	$28	Not stated	None
Non-sufficient Funds- Returned Item Fee	$28	Not stated	None
Overdraft Fee (after 4th Business Day of Continuous OD)	$6	per day	None
ATM & Card
Debit Card Replacement	$10	Not stated	None
Wire Transfers
Wire Transfer – Outgoing	$25	Not stated	None
Wire Transfer – Incoming	$15	Not stated	None
Wire Transfer – Outgoing International (USD-United States Dollars)	$65	Not stated	None
Wire Transfer – Incoming International	$50	Not stated	None
Check Services
Official Bank Check - Cashier’s Check Purchased	$3	Not stated	None
Stop Payment Fee	$28	Not stated	None
Counter Checks/Deposit Tickets (12 per order)	$5	per item	None
Foreign Check Processing	$10	Not stated	None
Cash & Deposit
Returned Deposited Item (Business Accounts Only)	$10	Not stated	None
Account Services
Notary Fee – Non-Account Holder	$5	Not stated	None
10 X 10, 12 X 15 Box Annual Rent	$120	per year	None
10 X 3 Box Annual Rent	$66	per year	None
10 X 5 Box Annual Rent	$75	per year	None
2 X 4.5 Box Annual Rent	$42	per year	None
3 X 5, 4 X 3.5, 4 X4, 5 X 3 Box Annual Rent	$42	per year	None
4 X 6.5”, 4.5X5 Box Annual Rent	$45	per year	None
8 X 9 Box Annual Rent	$66	per year	None
Tax Levy/garnishment/attachment (Federal)	$60	Not stated	None
Tax Levy/garnishment/attachment (State)	$20	Not stated	None
Other Fees
Duplicate Statement	$5	Not stated	None
Photocopy Service	$2Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 3, 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 Wayne Bank and Trust Co.'s nsf / returned item changes in our data

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Fees against the market

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

Monthly Maintenance
Compared at $5.95, the middle of its prices
Wayne Bank and Trust Co.: $5.95 to $6.95
Wayne Bank and Trust Co.: $5.95 to $6.95
U.S. median: no median
Overdraft (OD)
Wayne Bank and Trust Co.: $28
Wayne Bank and Trust Co.: $28
U.S. median: no median
NSF / Returned Item
Wayne Bank and Trust Co.: $28
Wayne Bank and Trust Co.: $28
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Indiana, the Chicago 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).
Indiana: Banks and credit unions headquartered in Indiana that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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.

Published fee schedule

Amounts from Wayne Bank and Trust Co.’s own schedules, with a source for each figure.

Account Maintenance

Benefits Checking Monthly Service Charge$6.95
per month
Cash Rewards Checking Monthly Service Charge$5.95
per month
Premium Interest Checking Monthly Service Charge$5.95
per month
New Account Closed within 90 Days$30
Dormant Account Fee (non-activity after 1 year)$6
per month
Research/ Account Reconciliation$40
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee (Rewards Accounts Only)$3
Excessive Activity Charge (More than 6 checks/transfers/automatic debits per month on Money Market)$5
per item

Overdraft & NSF

Non-sufficient Funds- Paid Item Fee$28
Non-sufficient Funds- Returned Item Fee$28
Overdraft Fee (after 4th Business Day of Continuous OD)$6
per day

ATM & Card

Debit Card Replacement$10

Wire Transfers

Wire Transfer – Outgoing$25
Wire Transfer – Incoming$15
Wire Transfer – Outgoing International (USD-United States Dollars)$65
Wire Transfer – Incoming International$50

Check Services

Official Bank Check - Cashier’s Check Purchased$3
Stop Payment Fee$28
Counter Checks/Deposit Tickets (12 per order)$5
per item
Foreign Check Processing$10

Cash & Deposit

Coin Processing – Non-Account Holder (audience not stated, treated as personal)10%($1 minimum)

Account Services

Notary Fee – Non-Account Holder$5
10 X 10, 12 X 15 Box Annual Rent$120
per year
10 X 3 Box Annual Rent$66
per year
10 X 5 Box Annual Rent$75
per year
2 X 4.5 Box Annual Rent$42
per year
3 X 5, 4 X 3.5, 4 X4, 5 X 3 Box Annual Rent$42
per year
4 X 6.5”, 4.5X5 Box Annual Rent$45
per year
8 X 9 Box Annual Rent$66
per year
Tax Levy/garnishment/attachment (Federal)$60
Tax Levy/garnishment/attachment (State)$20

Other Fees

Duplicate Statement$5
Photocopy Service$2
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Benefits Checking Monthly Service Charge	$6.95	per month	None
Cash Rewards Checking Monthly Service Charge	$5.95	per month	None
Premium Interest Checking Monthly Service Charge	$5.95	per month	None
New Account Closed within 90 Days	$30	Not stated	None
Dormant Account Fee (non-activity after 1 year)	$6	per month	None
Research/ Account Reconciliation	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee (Rewards Accounts Only)	$3	Not stated	None
Excessive Activity Charge (More than 6 checks/transfers/automatic debits per month on Money Market)	$5	per item	None
Overdraft & NSF
Non-sufficient Funds- Paid Item Fee	$28	Not stated	None
Non-sufficient Funds- Returned Item Fee	$28	Not stated	None
Overdraft Fee (after 4th Business Day of Continuous OD)	$6	per day	None
ATM & Card
Debit Card Replacement	$10	Not stated	None
Wire Transfers
Wire Transfer – Outgoing	$25	Not stated	None
Wire Transfer – Incoming	$15	Not stated	None
Wire Transfer – Outgoing International (USD-United States Dollars)	$65	Not stated	None
Wire Transfer – Incoming International	$50	Not stated	None
Check Services
Official Bank Check - Cashier’s Check Purchased	$3	Not stated	None
Stop Payment Fee	$28	Not stated	None
Counter Checks/Deposit Tickets (12 per order)	$5	per item	None
Foreign Check Processing	$10	Not stated	None
Cash & Deposit
Coin Processing – Non-Account Holder (audience not stated, treated as personal)	10%($1 minimum)	Not stated	None
Account Services
Notary Fee – Non-Account Holder	$5	Not stated	None
10 X 10, 12 X 15 Box Annual Rent	$120	per year	None
10 X 3 Box Annual Rent	$66	per year	None
10 X 5 Box Annual Rent	$75	per year	None
2 X 4.5 Box Annual Rent	$42	per year	None
3 X 5, 4 X 3.5, 4 X4, 5 X 3 Box Annual Rent	$42	per year	None
4 X 6.5”, 4.5X5 Box Annual Rent	$45	per year	None
8 X 9 Box Annual Rent	$66	per year	None
Tax Levy/garnishment/attachment (Federal)	$60	Not stated	None
Tax Levy/garnishment/attachment (State)	$20	Not stated	None
Other Fees
Duplicate Statement	$5	Not stated	None
Photocopy Service	$2Not compared: Charged per page; comparison unavailable	per page	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Benefits Checking Monthly Service Charge$6.95
per month
Cash Rewards Checking Monthly Service Charge$5.95
per month
Premium Interest Checking Monthly Service Charge$5.95
per month
New Account Closed within 90 Days$30
Dormant Account Fee (non-activity after 1 year)$6
per month
Research/ Account Reconciliation$40
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee (Rewards Accounts Only)$3
Excessive Activity Charge (More than 6 checks/transfers/automatic debits per month on Money Market)$5
per item

Overdraft & NSF

Non-sufficient Funds- Paid Item Fee$28
Non-sufficient Funds- Returned Item Fee$28
Overdraft Fee (after 4th Business Day of Continuous OD)$6
per day

ATM & Card

Debit Card Replacement$10

Wire Transfers

Wire Transfer – Outgoing$25
Wire Transfer – Incoming$15
Wire Transfer – Outgoing International (USD-United States Dollars)$65
Wire Transfer – Incoming International$50

Check Services

Official Bank Check - Cashier’s Check Purchased$3
Stop Payment Fee$28
Counter Checks/Deposit Tickets (12 per order)$5
per item
Foreign Check Processing$10

Cash & Deposit

Returned Deposited Item (Business Accounts Only)$10

Account Services

Notary Fee – Non-Account Holder$5
10 X 10, 12 X 15 Box Annual Rent$120
per year
10 X 3 Box Annual Rent$66
per year
10 X 5 Box Annual Rent$75
per year
2 X 4.5 Box Annual Rent$42
per year
3 X 5, 4 X 3.5, 4 X4, 5 X 3 Box Annual Rent$42
per year
4 X 6.5”, 4.5X5 Box Annual Rent$45
per year
8 X 9 Box Annual Rent$66
per year
Tax Levy/garnishment/attachment (Federal)$60
Tax Levy/garnishment/attachment (State)$20

Other Fees

Duplicate Statement$5
Photocopy Service$2
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Benefits Checking Monthly Service Charge	$6.95	per month	None
Cash Rewards Checking Monthly Service Charge	$5.95	per month	None
Premium Interest Checking Monthly Service Charge	$5.95	per month	None
New Account Closed within 90 Days	$30	Not stated	None
Dormant Account Fee (non-activity after 1 year)	$6	per month	None
Research/ Account Reconciliation	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee (Rewards Accounts Only)	$3	Not stated	None
Excessive Activity Charge (More than 6 checks/transfers/automatic debits per month on Money Market)	$5	per item	None
Overdraft & NSF
Non-sufficient Funds- Paid Item Fee	$28	Not stated	None
Non-sufficient Funds- Returned Item Fee	$28	Not stated	None
Overdraft Fee (after 4th Business Day of Continuous OD)	$6	per day	None
ATM & Card
Debit Card Replacement	$10	Not stated	None
Wire Transfers
Wire Transfer – Outgoing	$25	Not stated	None
Wire Transfer – Incoming	$15	Not stated	None
Wire Transfer – Outgoing International (USD-United States Dollars)	$65	Not stated	None
Wire Transfer – Incoming International	$50	Not stated	None
Check Services
Official Bank Check - Cashier’s Check Purchased	$3	Not stated	None
Stop Payment Fee	$28	Not stated	None
Counter Checks/Deposit Tickets (12 per order)	$5	per item	None
Foreign Check Processing	$10	Not stated	None
Cash & Deposit
Returned Deposited Item (Business Accounts Only)	$10	Not stated	None
Account Services
Notary Fee – Non-Account Holder	$5	Not stated	None
10 X 10, 12 X 15 Box Annual Rent	$120	per year	None
10 X 3 Box Annual Rent	$66	per year	None
10 X 5 Box Annual Rent	$75	per year	None
2 X 4.5 Box Annual Rent	$42	per year	None
3 X 5, 4 X 3.5, 4 X4, 5 X 3 Box Annual Rent	$42	per year	None
4 X 6.5”, 4.5X5 Box Annual Rent	$45	per year	None
8 X 9 Box Annual Rent	$66	per year	None
Tax Levy/garnishment/attachment (Federal)	$60	Not stated	None
Tax Levy/garnishment/attachment (State)	$20	Not stated	None
Other Fees
Duplicate Statement	$5	Not stated	None
Photocopy Service	$2Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 3, 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.