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

First Bank and Trust Company of Illinois

Palatine, IllinoisBankChicago Fed districtFees collected Feb 17, 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

Dormant Account Charges – Checking and DDA Accounts (per month)$10Within the typical range ($5–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #6897. canonical_hint=dormant_account; text_hash=c6351521309a6f7f137b72555ebea30e7010122080dae59fca6ad4f9a8addd23; excerpt="Dormant Account Charges – Checking and DDA Accounts (per month) | $10.00" · Source

Overdraft & NSFVerified

An overdraft fee of$20Below the typical range ($25–$31 nationally)
$10 below the national median
per item · Knox deterministic extraction from Rosetta artifact #6897. canonical_hint=overdraft; text_hash=c6351521309a6f7f137b72555ebea30e7010122080dae59fca6ad4f9a8addd23; excerpt="An overdraft fee of $20.00 will be charged per item for covering overdrafts created by checks, in-person withdrawals, ACH items, or service fees whether item(s) returned or paid." · Source
First Continuous Overdraft Charge (Charged the first business day following an overdraft in which the account remains ne$10Within the typical range ($5–$25 nationally)
$4 above the national median
Knox deterministic extraction from Rosetta artifact #6897. canonical_hint=continuous_od; text_hash=c6351521309a6f7f137b72555ebea30e7010122080dae59fca6ad4f9a8addd23; excerpt="First Continuous Overdraft Charge (Charged the first business day following an overdraft in which the account remains negative) | $10.00" · Source

Wire TransfersVerified

Wire Transfer – Domestic Incoming$0Below the typical range ($5–$15 nationally)
$10 below the national median
Knox read a free fee from Rosetta artifact #6897. canonical_hint=wire_domestic_incoming; text_hash=c6351521309a6f7f137b72555ebea30e7010122080dae59fca6ad4f9a8addd23; excerpt="Wire Transfer – Domestic Incoming | $0.00" · Source
Wire Transfer – Domestic Outgoing$0Below the typical range ($20–$25 nationally)
$22 below the national median
Knox read a free fee from Rosetta artifact #6897. canonical_hint=wire_domestic_outgoing; text_hash=c6351521309a6f7f137b72555ebea30e7010122080dae59fca6ad4f9a8addd23; excerpt="Wire Transfer – Domestic Outgoing | $0.00" · Source
Wire Transfer – International Incoming$0Below the typical range ($10–$25 nationally)
$15 below the national median
Knox read a free fee from Rosetta artifact #6897. canonical_hint=wire_intl_incoming; text_hash=c6351521309a6f7f137b72555ebea30e7010122080dae59fca6ad4f9a8addd23; excerpt="Wire Transfer – International Incoming | $0.00" · Source
Wire Transfer – International Outgoing$0Below the typical range ($40–$50 nationally)
$50 below the national median
Knox read a free fee from Rosetta artifact #6897. canonical_hint=wire_intl_outgoing; text_hash=c6351521309a6f7f137b72555ebea30e7010122080dae59fca6ad4f9a8addd23; excerpt="Wire Transfer – International Outgoing | $0.00" · Source

Check ServicesVerified

Cashier’s Check (per day) | First one free$5Within the typical range ($3–$6 nationally)
At the national median
per day · Knox deterministic extraction from Rosetta artifact #6897. canonical_hint=cashiers_check; text_hash=c6351521309a6f7f137b72555ebea30e7010122080dae59fca6ad4f9a8addd23; excerpt="Cashier’s Check (per day) | First one free, $5.00 each thereafter" · Source
Check Image(s) (per item)$5Within the typical range ($2–$5 nationally)
$2 above the national median
per item · Knox deterministic extraction from Rosetta artifact #6897. canonical_hint=check_image; text_hash=c6351521309a6f7f137b72555ebea30e7010122080dae59fca6ad4f9a8addd23; excerpt="Check Image(s) (per item) | $5.00" · Source
Counter Check (one check for immediate use at First Bank)$0Below the typical range ($1–$4 nationally)
$2 below the national median
Knox read a free fee from Rosetta artifact #6897. canonical_hint=counter_check; text_hash=c6351521309a6f7f137b72555ebea30e7010122080dae59fca6ad4f9a8addd23; excerpt="Counter Check (one check for immediate use at First Bank) | $0.00" · Source
Money Order (per day) | First one free$3Within the typical range ($1.75–$3 nationally)
$1 above the national median
per day · Knox deterministic extraction from Rosetta artifact #6897. canonical_hint=money_order; text_hash=c6351521309a6f7f137b72555ebea30e7010122080dae59fca6ad4f9a8addd23; excerpt="Money Order (per day) | First one free, $3.00 each thereafter" · Source
Temporary Checks – 5 or less (limit 10 per month)$1Within the typical range ($1–$4 nationally)
$1 below the national median
per month · Knox deterministic extraction from Rosetta artifact #6897. canonical_hint=counter_check; text_hash=c6351521309a6f7f137b72555ebea30e7010122080dae59fca6ad4f9a8addd23; excerpt="Temporary Checks – 5 or less (limit 10 per month) | $1.00" · Source

Cash & DepositVerified

Return Deposited Checks/Charge Backs (per item)$10Within the typical range ($10–$25 nationally)
$5 below the national median
per item · Knox deterministic extraction from Rosetta artifact #6897. canonical_hint=deposited_item_return; text_hash=c6351521309a6f7f137b72555ebea30e7010122080dae59fca6ad4f9a8addd23; excerpt="Return Deposited Checks/Charge Backs (per item) | $10.00" · Source

Account ServicesVerified

Levy (plus costs )$100Above the typical range ($30–$75 nationally)
$50 above the national median
Knox deterministic extraction from Rosetta artifact #6897. canonical_hint=garnishment_levy; text_hash=c6351521309a6f7f137b72555ebea30e7010122080dae59fca6ad4f9a8addd23; excerpt="Levy (plus costs*) | $100.00" · Source
Notary Services (customer only)$0Within the typical range ($0–$5 nationally)
$2.50 below the national median
Knox read a free fee from Rosetta artifact #6897. canonical_hint=notary_fee; text_hash=c6351521309a6f7f137b72555ebea30e7010122080dae59fca6ad4f9a8addd23; excerpt="Notary Services (customer only) | $0.00" · Source

Other FeesVerified

Statement Copy or Other Items (plus research fee )$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #6897. canonical_hint=document_reproduction; text_hash=c6351521309a6f7f137b72555ebea30e7010122080dae59fca6ad4f9a8addd23; excerpt="Statement Copy or Other Items (plus research fee*) | $5.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Account Charges – Checking and DDA Accounts (per month)	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	Knox deterministic extraction from Rosetta artifact #6897. canonical_hint=dormant_account; text_hash=c6351521309a6f7f137b72555ebea30e7010122080dae59fca6ad4f9a8addd23; excerpt="Dormant Account Charges – Checking and DDA Accounts (per month) \| $10.00"	Source
Overdraft & NSFVerified
An overdraft fee of	$20Below the typical range ($25–$31 nationally)	$10 below the national median	per item	Knox deterministic extraction from Rosetta artifact #6897. canonical_hint=overdraft; text_hash=c6351521309a6f7f137b72555ebea30e7010122080dae59fca6ad4f9a8addd23; excerpt="An overdraft fee of $20.00 will be charged per item for covering overdrafts created by checks, in-person withdrawals, ACH items, or service fees whether item(s) returned or paid."	Source
Wire TransfersVerified
Wire Transfer – Domestic Incoming	$0Below the typical range ($5–$15 nationally)	$10 below the national median	—	Knox read a free fee from Rosetta artifact #6897. canonical_hint=wire_domestic_incoming; text_hash=c6351521309a6f7f137b72555ebea30e7010122080dae59fca6ad4f9a8addd23; excerpt="Wire Transfer – Domestic Incoming \| $0.00"	Source
Wire Transfer – Domestic Outgoing
Check ServicesVerified
Cashier’s Check (per day) \| First one free	$5Within the typical range ($3–$6 nationally)	At the national median	per day	Knox deterministic extraction from Rosetta artifact #6897. canonical_hint=cashiers_check; text_hash=c6351521309a6f7f137b72555ebea30e7010122080dae59fca6ad4f9a8addd23; excerpt="Cashier’s Check (per day) \| First one free, $5.00 each thereafter"	Source
Check Image(s) (per item)
Cash & DepositVerified
Return Deposited Checks/Charge Backs (per item)	$10Within the typical range ($10–$25 nationally)	$5 below the national median	per item	Knox deterministic extraction from Rosetta artifact #6897. canonical_hint=deposited_item_return; text_hash=c6351521309a6f7f137b72555ebea30e7010122080dae59fca6ad4f9a8addd23; excerpt="Return Deposited Checks/Charge Backs (per item) \| $10.00"	Source
Account ServicesVerified
Levy (plus costs )	$100Above the typical range ($30–$75 nationally)	$50 above the national median	—	Knox deterministic extraction from Rosetta artifact #6897. canonical_hint=garnishment_levy; text_hash=c6351521309a6f7f137b72555ebea30e7010122080dae59fca6ad4f9a8addd23; excerpt="Levy (plus costs*) \| $100.00"	Source
Notary Services (customer only)
Other FeesVerified
Statement Copy or Other Items (plus research fee )	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #6897. canonical_hint=document_reproduction; text_hash=c6351521309a6f7f137b72555ebea30e7010122080dae59fca6ad4f9a8addd23; excerpt="Statement Copy or Other Items (plus research fee*) \| $5.00"	Source

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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.

Overdraft

$20

Overdraft fee: $20

33% below the national median overdraft fee

Total fees: 16 — leaner than most institutions

Headline fees published

6 of 15

Published fees

Under review

Assets

$228.6M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$228.6M

Total deposits

$189.5M

Service charge income

$3K

Fee income ratio

0.11%

Return on assets

0.97%

Branches

Service charge income by quarter

Q2 2026$3K

Q1 2026$3K

Q4 2025$0

Q3 2025$10K

Financial profile · Pro

Performance from regulator filings

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