Under review

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Community bank, under $300M

WCF Financial Bank

Webster City, IowaBankChicago Fed districtFees collected Oct 8, 2026Financials Q2 2026

Website Published fee schedule

Under review

A fee schedule is on record for this institution and is being reviewed. Fees will appear here once review is complete.

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Published fees

Published fees power benchmarks; fees under review do not.

Overdraft & NSFUnder review

card, each owner, and agent if applicable, drawing/creating the item creating the overdraft, shall be jointly and severa$30
per item · Source

Other feesUnder review

card, each owner, and agent if applicable, drawing/creating the item creating the overdraft, shall be jointly and severa$30
per item · Knox deterministic extraction from Rosetta artifact #19765. canonical_hint=overdraft; text_hash=284ab403927d50869a42d40bc5bc3620e21a92bfef51fe2663205264519e3d04; calibrated_confidence=0.92; excerpt="card, each owner, and agent if applicable, drawing/creating the item creating the overdraft, shall be jointly and severally liable for such overdraft, plus our overdraft or non-suf" · Source
creating the overdraft, shall be jointly and severally liable for such overdraft, plus our overdraft or non-sufficient f$30
per item · Knox deterministic extraction from Rosetta artifact #19765. canonical_hint=overdraft; text_hash=284ab403927d50869a42d40bc5bc3620e21a92bfef51fe2663205264519e3d04; calibrated_confidence=0.92; excerpt="creating the overdraft, shall be jointly and severally liable for such overdraft, plus our overdraft or non-sufficient funds handling charge(s) of $30.00 per item. There is a limit" · Source
Defender, the Bank will deduct its normal overdraft charge of$30
per item · Knox deterministic extraction from Rosetta artifact #19765. canonical_hint=overdraft; text_hash=284ab403927d50869a42d40bc5bc3620e21a92bfef51fe2663205264519e3d04; calibrated_confidence=0.92; excerpt="Defender, the Bank will deduct its normal overdraft charge of $30.00 per item. We will" · Source
discretion, return the check or checks to the payee(s). In addition, the normal insufficient funds fee of$30
per item · Knox deterministic extraction from Rosetta artifact #19765. canonical_hint=nsf; text_hash=284ab403927d50869a42d40bc5bc3620e21a92bfef51fe2663205264519e3d04; calibrated_confidence=0.93; excerpt="discretion, return the check or checks to the payee(s). In addition, the normal insufficient funds fee of $30.00 per item will be charged to" · Source
non-sufficient funds charge(s)$30
per item · Knox deterministic extraction from Rosetta artifact #19765. canonical_hint=nsf; text_hash=284ab403927d50869a42d40bc5bc3620e21a92bfef51fe2663205264519e3d04; calibrated_confidence=0.93; excerpt="non-sufficient funds charge(s) of $30.00 per item that you owe us | 1998 McClellan Street | ***************" · Source
overdraft charge$30
per item · Knox deterministic extraction from Rosetta artifact #19765. canonical_hint=overdraft; text_hash=284ab403927d50869a42d40bc5bc3620e21a92bfef51fe2663205264519e3d04; calibrated_confidence=0.92; excerpt="overdraft charge of $30.00 per item. We will" · Source
overdraft, plus our overdraft or non-sufficient funds handling charge(s) of$30
per item · Knox deterministic extraction from Rosetta artifact #19765. canonical_hint=overdraft; text_hash=284ab403927d50869a42d40bc5bc3620e21a92bfef51fe2663205264519e3d04; calibrated_confidence=0.92; excerpt="overdraft, plus our overdraft or non-sufficient funds handling charge(s) of $30.00 per item. There is a limit of 5 overdraft charges" · Source
payee(s). In addition, the normal insufficient funds fee of$30
per item · Knox deterministic extraction from Rosetta artifact #19765. canonical_hint=nsf; text_hash=284ab403927d50869a42d40bc5bc3620e21a92bfef51fe2663205264519e3d04; calibrated_confidence=0.93; excerpt="payee(s). In addition, the normal insufficient funds fee of $30.00 per item will be charged to" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Overdraft & NSFUnder review
card, each owner, and agent if applicable, drawing/creating the item creating the overdraft, shall be jointly and severa	$30	—	per item	—	Source
creating the overdraft, shall be jointly and severally liable for such overdraft, plus our overdraft or non-sufficient f	$30	—	per item	—	Source
Defender, the Bank will deduct its normal overdraft charge of	$30	—	per item	—	Source
overdraft charge	$30	—	per item	—	Source
overdraft, plus our overdraft or non-sufficient funds handling charge(s) of	$30	—	per item	—	Source
discretion, return the check or checks to the payee(s). In addition, the normal insufficient funds fee of	$30	—	per item	—	Source
non-sufficient funds charge(s)	$30	—	per item	—	Source
payee(s). In addition, the normal insufficient funds fee of	$30	—	per item	—	Source
Other feesUnder review
card, each owner, and agent if applicable, drawing/creating the item creating the overdraft, shall be jointly and severa	$30	—	per item	Knox deterministic extraction from Rosetta artifact #19765. canonical_hint=overdraft; text_hash=284ab403927d50869a42d40bc5bc3620e21a92bfef51fe2663205264519e3d04; calibrated_confidence=0.92; excerpt="card, each owner, and agent if applicable, drawing/creating the item creating the overdraft, shall be jointly and severally liable for such overdraft, plus our overdraft or non-suf"	Source
creating the overdraft, shall be jointly and severally liable for such overdraft, plus our overdraft or non-sufficient f	$30	—	per item	Knox deterministic extraction from Rosetta artifact #19765. canonical_hint=overdraft; text_hash=284ab403927d50869a42d40bc5bc3620e21a92bfef51fe2663205264519e3d04; calibrated_confidence=0.92; excerpt="creating the overdraft, shall be jointly and severally liable for such overdraft, plus our overdraft or non-sufficient funds handling charge(s) of $30.00 per item. There is a limit"

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Headline fees published

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Published fees

Under review

Assets

$224.4M

Status: Under review

No verified fees yet, so there is nothing to benchmark on this page.

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$224.4M

Total deposits

$173.7M

Service charge income

$80K

Fee income ratio

4.6%

Return on assets

0.25%

Branches

Service charge income by quarter

Q2 2026$80K

Q1 2026$72K

Q4 2025$75K

Q3 2025$83K

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

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Based on 68,746 published fee entries from 3,637 institutions

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