Cendera Bank

Headquarters: Bells, Texas
Charter: Bank
Assets: $257.6M
Fed district: Dallas

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

Source: its fee schedule, read Oct 13, 2026.

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Fees against the market

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

Overdraft (OD)
Cendera Bank: $35
Cendera Bank: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Cendera Bank: $25
Cendera Bank: $25
U.S. median: no median
Stop Payment
Cendera Bank: $30
Cendera Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 13, 2026View sources

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

Account Maintenance

Account Closure (within 90 days of opening)$35
Account Research (1 hr min. plus any printing charges)$30
Excessive Withdrawals (Per Item on Savings & Money Market Accounts)$10
per item

Overdraft & NSF

Overdraft (OD) & Non-Sufficient Funds (NSF) Charges/represented NSF & OD items$35

Wire Transfers

Outgoing Wire (Domestic)$25
Incoming Wire (Domestic)$15
Outgoing Wire (FX International)$50
Outgoing Wire (USD International)$40
Incoming Wire (International USD or FX)$25

Check Services

Stop Payment (Initial Order & Renewals)$30
COLLECTION ITEMS: Returned Unpaid$15

Cash & Deposit

Deposited Item Returned or Check Redeposit$10

Account Services

Safe Deposit Box 10 X 10$100
per year
Safe Deposit Box 3 X 10$40
per year
Safe Deposit Box 3 X 5$25
per year
Safe Deposit Box 5 X 10$60
per year
Safe Deposit Box 7 X 10$80
per year
SDB Rental Late Payment$10
Not compared: Box drilling or key fee
Legal Processing (Garnishments, Levy, etc.)$100

Fee	Amount	Basis	Note
Account Maintenance
Account Closure (within 90 days of opening)	$35	Not stated	None
Account Research (1 hr min. plus any printing charges)	$30	Not stated	None
Excessive Withdrawals (Per Item on Savings & Money Market Accounts)	$10	per item	None
Overdraft & NSF
Overdraft (OD) & Non-Sufficient Funds (NSF) Charges/represented NSF & OD items	$35	Not stated	None
Wire Transfers
Outgoing Wire (Domestic)	$25	Not stated	None
Incoming Wire (Domestic)	$15	Not stated	None
Outgoing Wire (FX International)	$50	Not stated	None
Outgoing Wire (USD International)	$40	Not stated	None
Incoming Wire (International USD or FX)	$25	Not stated	None
Check Services
Stop Payment (Initial Order & Renewals)	$30	Not stated	None
COLLECTION ITEMS: Returned Unpaid	$15	Not stated	None
Cash & Deposit
Deposited Item Returned or Check Redeposit	$10	Not stated	None
Account Services
Safe Deposit Box 10 X 10	$100	per year	None
Safe Deposit Box 3 X 10	$40	per year	None
Safe Deposit Box 3 X 5	$25	per year	None
Safe Deposit Box 5 X 10	$60	per year	None
Safe Deposit Box 7 X 10	$80	per year	None
SDB Rental Late Payment	$10Not compared: Box drilling or key fee	Not stated	None
Legal Processing (Garnishments, Levy, etc.)	$100	Not stated	None

Correct a fee source

Oct 13, 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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