vs. U.S. typical range:LowerTypicalHigher
$12.50 below the national median$10 below the Iowa median
$1 above the national median$1 above the Iowa median
per month · Source
$32.50 above the national median$30 above the Iowa median
At the national medianAt the Iowa median
per item · Source
$0.50 above the national median$0.50 above the Iowa median
$5 above the national median$5 above the Iowa median
per year · Source
$5 above the national median$10 above the Iowa median
$5 above the national median$5 above the Iowa median
$20 below the national median$16.25 below the Iowa median
At the national medianAt the Iowa median
$3 above the national median$2 above the Iowa median
$2.50 below the national medianAt the Iowa median
$2.50 above the national median$5 above the Iowa median
per month · Source
$12 below the national median$6 below the Iowa median
per item · Source
At the national medianAt the Iowa median
per year · Source
$1.45 above the national median$0.95 above the Iowa median
$2.75 below the national median$2.06 below the Iowa median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Closed Account Fee (closed within 90 days of opening) | $5Below the typical range ($10–$25 nationally) | $12.50 below the national median$10 below the Iowa median | — | — | Source |
| Dormant Checking Account Fee (>365 days) – monthly | $6Within the typical range ($5–$10 nationally) | $1 above the national median$1 above the Iowa median | per month | — | Source |
| Account Research/Balancing | $50Above the typical range ($11–$25 nationally) | $32.50 above the national median$30 above the Iowa median | — | — | Source |
Overdraft & NSFVerified | |||||
| Overdraft Protection Transfer | $5Within the typical range ($2.50–$5 nationally) | At the national medianAt the Iowa median | per item | — | Source |
ATM & CardVerified | |||||
| ATM Foreign Transaction Fee (ATM not owned by UBTC) | $2Within the typical range ($1–$2.25 nationally) | $0.50 above the national median$0.50 above the Iowa median | — | — | Source |
| SHAZAMChek Debit (annual) & Replacement Fee per Card | $15 | ||||
Wire TransfersVerified | |||||
| Wire Transfer (Domestic Outgoing) | $30Above the typical range ($20–$25 nationally) | $5 above the national median$10 above the Iowa median | — | — | Source |
| Wire Transfer (Incoming) | $15 | ||||
Check ServicesVerified | |||||
| Cashiers Check | $5Within the typical range ($3–$6 nationally) | At the national medianAt the Iowa median | — | — | Source |
| Personal Money Order | $5 | ||||
Digital & ElectronicVerified | |||||
| BillPay option | $5Within the typical range ($0–$9.95 nationally) | $2.50 above the national median$5 above the Iowa median | per month | — | Source |
Cash & DepositVerified | |||||
| Returned Deposit Item – per item (commercial only) | $3Below the typical range ($8–$25 nationally) | $12 below the national median$6 below the Iowa median | per item | — | Source |
Account ServicesVerified | |||||
| Garnishment | $50Within the typical range ($30–$90 nationally) | At the national medianAt the Iowa median | — | — | Source |
Retirement & IRAVerified | |||||
| IRA Annual & IRA Transfer/Rollover Fee | $30Above the typical range ($10–$25 nationally) | $15 above the national median | per year | — | Source |
Gift & Prepaid CardsVerified | |||||
| Travel Card Reload | $4.95Within the typical range ($3–$4.95 nationally) | $1.45 above the national median$0.95 above the Iowa median | — | — | Source |
Other FeesVerified | |||||
| Photocopies (first copy free) | $0.25Below the typical range ($2–$5 nationally) | $2.75 below the national median$2.06 below the Iowa median | — | — | Source |
Fee change alerts
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Headline fees published
9 of 15
Published fees
18
Under review
0
Assets
$228.4M
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Financial Context
Financials as of Q2 2026 · FDIC call report
Total assets
$228.4M
Total deposits
$199.7M
Service charge income
$54K
Fee income ratio
2.7%
Return on assets
2.08%
Branches
4
Service charge income by quarter
Financial profile · Pro
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| $5 above the national median$5 above the Iowa median |
| per year |
| — |
| Source |
| $5 above the national median$5 above the Iowa median |
| — |
| — |
| Source |
| Wire Transfer (International Outgoing) | $30Below the typical range ($40–$50 nationally) | $20 below the national median$16.25 below the Iowa median | — | — | Source |
| $3 above the national median$2 above the Iowa median |
| — |
| — |
| Source |
| Stop Payment Request | $25Within the typical range ($20–$30 nationally) | $2.50 below the national medianAt the Iowa median | — | — | Source |