United Bank and Trust Company

Headquarters: Hampton, Iowa
Charter: Bank
Assets: $228.4M
Fed district: Chicago

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

Source: its fee schedule, read Oct 8, 2026.

Explore Hamilton View published fees

Fees against the market

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

Non-Network ATM
United Bank and Trust Company: $2
United Bank and Trust Company: $2
U.S. median: no median
Wire Transfer (Domestic Out)
United Bank and Trust Company: $30
United Bank and Trust Company: $30
U.S. median: no median
Stop Payment
United Bank and Trust Company: $25
United Bank and Trust Company: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 8, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Iowa, 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).
Iowa: Banks and credit unions headquartered in Iowa 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 United Bank and Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Closed Account Fee (closed within 90 days of opening)$5
Dormant Checking Account Fee (>365 days) – monthly$6
per month
Account Research/Balancing$50
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Protection Transfer$5
per item

ATM & Card

ATM Foreign Transaction Fee (ATM not owned by UBTC)$2
ATM (annual) & Replacement Fee per Card$15
Not compared: Annual charge, not per item
per year
SHAZAMChek Debit (annual) & Replacement Fee per Card$15
Not compared: Annual charge, not per item
per year

Wire Transfers

Wire Transfer (Domestic Outgoing)$30
Wire Transfer (Incoming)$15
Wire Transfer (International Outgoing)$30

Check Services

Cashiers Check$5
Personal Money Order$5
Stop Payment Renewal$25
Stop Payment Request$25

Digital & Electronic

BillPay option$5
per month
Mobile Check Deposit – per item$0.50
per item

Account Services

Garnishment$50

Retirement & IRA

IRA Annual & IRA Transfer/Rollover Fee$30
per year

Gift & Prepaid Cards

Travel Card Reload$4.95

Other Fees

Photocopies (first copy free)$0.25

Fee	Amount	Basis	Note
Account Maintenance
Closed Account Fee (closed within 90 days of opening)	$5	Not stated	None
Dormant Checking Account Fee (>365 days) – monthly	$6	per month	None
Account Research/Balancing	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Protection Transfer	$5	per item	None
ATM & Card
ATM Foreign Transaction Fee (ATM not owned by UBTC)	$2	Not stated	None
ATM (annual) & Replacement Fee per Card	$15Not compared: Annual charge, not per item	per year	None
SHAZAMChek Debit (annual) & Replacement Fee per Card	$15Not compared: Annual charge, not per item	per year	None
Wire Transfers
Wire Transfer (Domestic Outgoing)	$30	Not stated	None
Wire Transfer (Incoming)	$15	Not stated	None
Wire Transfer (International Outgoing)	$30	Not stated	None
Check Services
Cashiers Check	$5	Not stated	None
Personal Money Order	$5	Not stated	None
Stop Payment Renewal	$25	Not stated	None
Stop Payment Request	$25	Not stated	None
Digital & Electronic
BillPay option	$5	per month	None
Mobile Check Deposit – per item	$0.50	per item	None
Account Services
Garnishment	$50	Not stated	None
Retirement & IRA
IRA Annual & IRA Transfer/Rollover Fee	$30	per year	None
Gift & Prepaid Cards
Travel Card Reload	$4.95	Not stated	None
Other Fees
Photocopies (first copy free)	$0.25	Not stated	None

Account Maintenance

Closed Account Fee (closed within 90 days of opening)$5
Dormant Checking Account Fee (>365 days) – monthly$6
per month
Account Research/Balancing$50
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Protection Transfer$5
per item

ATM & Card

ATM Foreign Transaction Fee (ATM not owned by UBTC)$2
ATM (annual) & Replacement Fee per Card$15
Not compared: Annual charge, not per item
per year
SHAZAMChek Debit (annual) & Replacement Fee per Card$15
Not compared: Annual charge, not per item
per year

Wire Transfers

Wire Transfer (Domestic Outgoing)$30
Wire Transfer (Incoming)$15
Wire Transfer (International Outgoing)$30

Check Services

Cashiers Check$5
Personal Money Order$5
Stop Payment Renewal$25
Stop Payment Request$25

Digital & Electronic

BillPay option$5
per month
Mobile Check Deposit – per item$0.50
per item

Cash & Deposit

Returned Deposit Item – per item (commercial only)$3
per item

Account Services

Garnishment$50

Retirement & IRA

IRA Annual & IRA Transfer/Rollover Fee$30
per year

Gift & Prepaid Cards

Travel Card Reload$4.95

Other Fees

Photocopies (first copy free)$0.25

Fee	Amount	Basis	Note
Account Maintenance
Closed Account Fee (closed within 90 days of opening)	$5	Not stated	None
Dormant Checking Account Fee (>365 days) – monthly	$6	per month	None
Account Research/Balancing	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Protection Transfer	$5	per item	None
ATM & Card
ATM Foreign Transaction Fee (ATM not owned by UBTC)	$2	Not stated	None
ATM (annual) & Replacement Fee per Card	$15Not compared: Annual charge, not per item	per year	None
SHAZAMChek Debit (annual) & Replacement Fee per Card	$15Not compared: Annual charge, not per item	per year	None
Wire Transfers
Wire Transfer (Domestic Outgoing)	$30	Not stated	None
Wire Transfer (Incoming)	$15	Not stated	None
Wire Transfer (International Outgoing)	$30	Not stated	None
Check Services
Cashiers Check	$5	Not stated	None
Personal Money Order	$5	Not stated	None
Stop Payment Renewal	$25	Not stated	None
Stop Payment Request	$25	Not stated	None
Digital & Electronic
BillPay option	$5	per month	None
Mobile Check Deposit – per item	$0.50	per item	None
Cash & Deposit
Returned Deposit Item – per item (commercial only)	$3	per item	None
Account Services
Garnishment	$50	Not stated	None
Retirement & IRA
IRA Annual & IRA Transfer/Rollover Fee	$30	per year	None
Gift & Prepaid Cards
Travel Card Reload	$4.95	Not stated	None
Other Fees
Photocopies (first copy free)	$0.25	Not stated	None

Correct a fee source

Oct 8, 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 United Bank and Trust Company's safe deposit box 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.

Non-Network ATM
United Bank and Trust Company: $2
United Bank and Trust Company: $2
U.S. median: no median
Wire Transfer (Domestic Out)
United Bank and Trust Company: $30
United Bank and Trust Company: $30
U.S. median: no median
Stop Payment
United Bank and Trust Company: $25
United Bank and Trust Company: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 8, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Iowa, 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).
Iowa: Banks and credit unions headquartered in Iowa 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 United Bank and Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Closed Account Fee (closed within 90 days of opening)$5
Dormant Checking Account Fee (>365 days) – monthly$6
per month
Account Research/Balancing$50
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Protection Transfer$5
per item

ATM & Card

ATM Foreign Transaction Fee (ATM not owned by UBTC)$2
ATM (annual) & Replacement Fee per Card$15
Not compared: Annual charge, not per item
per year
SHAZAMChek Debit (annual) & Replacement Fee per Card$15
Not compared: Annual charge, not per item
per year

Wire Transfers

Wire Transfer (Domestic Outgoing)$30
Wire Transfer (Incoming)$15
Wire Transfer (International Outgoing)$30

Check Services

Cashiers Check$5
Personal Money Order$5
Stop Payment Renewal$25
Stop Payment Request$25

Digital & Electronic

BillPay option$5
per month
Mobile Check Deposit – per item$0.50
per item

Account Services

Garnishment$50

Retirement & IRA

IRA Annual & IRA Transfer/Rollover Fee$30
per year

Gift & Prepaid Cards

Travel Card Reload$4.95

Other Fees

Photocopies (first copy free)$0.25

Fee	Amount	Basis	Note
Account Maintenance
Closed Account Fee (closed within 90 days of opening)	$5	Not stated	None
Dormant Checking Account Fee (>365 days) – monthly	$6	per month	None
Account Research/Balancing	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Protection Transfer	$5	per item	None
ATM & Card
ATM Foreign Transaction Fee (ATM not owned by UBTC)	$2	Not stated	None
ATM (annual) & Replacement Fee per Card	$15Not compared: Annual charge, not per item	per year	None
SHAZAMChek Debit (annual) & Replacement Fee per Card	$15Not compared: Annual charge, not per item	per year	None
Wire Transfers
Wire Transfer (Domestic Outgoing)	$30	Not stated	None
Wire Transfer (Incoming)	$15	Not stated	None
Wire Transfer (International Outgoing)	$30	Not stated	None
Check Services
Cashiers Check	$5	Not stated	None
Personal Money Order	$5	Not stated	None
Stop Payment Renewal	$25	Not stated	None
Stop Payment Request	$25	Not stated	None
Digital & Electronic
BillPay option	$5	per month	None
Mobile Check Deposit – per item	$0.50	per item	None
Account Services
Garnishment	$50	Not stated	None
Retirement & IRA
IRA Annual & IRA Transfer/Rollover Fee	$30	per year	None
Gift & Prepaid Cards
Travel Card Reload	$4.95	Not stated	None
Other Fees
Photocopies (first copy free)	$0.25	Not stated	None

Account Maintenance

Closed Account Fee (closed within 90 days of opening)$5
Dormant Checking Account Fee (>365 days) – monthly$6
per month
Account Research/Balancing$50
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Protection Transfer$5
per item

ATM & Card

ATM Foreign Transaction Fee (ATM not owned by UBTC)$2
ATM (annual) & Replacement Fee per Card$15
Not compared: Annual charge, not per item
per year
SHAZAMChek Debit (annual) & Replacement Fee per Card$15
Not compared: Annual charge, not per item
per year

Wire Transfers

Wire Transfer (Domestic Outgoing)$30
Wire Transfer (Incoming)$15
Wire Transfer (International Outgoing)$30

Check Services

Cashiers Check$5
Personal Money Order$5
Stop Payment Renewal$25
Stop Payment Request$25

Digital & Electronic

BillPay option$5
per month
Mobile Check Deposit – per item$0.50
per item

Cash & Deposit

Returned Deposit Item – per item (commercial only)$3
per item

Account Services

Garnishment$50

Retirement & IRA

IRA Annual & IRA Transfer/Rollover Fee$30
per year

Gift & Prepaid Cards

Travel Card Reload$4.95

Other Fees

Photocopies (first copy free)$0.25

Fee	Amount	Basis	Note
Account Maintenance
Closed Account Fee (closed within 90 days of opening)	$5	Not stated	None
Dormant Checking Account Fee (>365 days) – monthly	$6	per month	None
Account Research/Balancing	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Protection Transfer	$5	per item	None
ATM & Card
ATM Foreign Transaction Fee (ATM not owned by UBTC)	$2	Not stated	None
ATM (annual) & Replacement Fee per Card	$15Not compared: Annual charge, not per item	per year	None
SHAZAMChek Debit (annual) & Replacement Fee per Card	$15Not compared: Annual charge, not per item	per year	None
Wire Transfers
Wire Transfer (Domestic Outgoing)	$30	Not stated	None
Wire Transfer (Incoming)	$15	Not stated	None
Wire Transfer (International Outgoing)	$30	Not stated	None
Check Services
Cashiers Check	$5	Not stated	None
Personal Money Order	$5	Not stated	None
Stop Payment Renewal	$25	Not stated	None
Stop Payment Request	$25	Not stated	None
Digital & Electronic
BillPay option	$5	per month	None
Mobile Check Deposit – per item	$0.50	per item	None
Cash & Deposit
Returned Deposit Item – per item (commercial only)	$3	per item	None
Account Services
Garnishment	$50	Not stated	None
Retirement & IRA
IRA Annual & IRA Transfer/Rollover Fee	$30	per year	None
Gift & Prepaid Cards
Travel Card Reload	$4.95	Not stated	None
Other Fees
Photocopies (first copy free)	$0.25	Not stated	None

Correct a fee source

Oct 8, 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.