Hills Bank and Trust Company

Headquarters: Hills, Iowa
Charter: Bank
Assets: $4.8B
Fed district: Chicago

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

Source: its fee schedule, read Oct 17, 2026.

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Fees against the market

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

Overdraft (OD)
Hills Bank and Trust Company: $27
Hills Bank and Trust Company: $27
U.S. median: no median
NSF / Returned Item
Hills Bank and Trust Company: $27
Hills Bank and Trust Company: $27
U.S. median: no median
Wire Transfer (Domestic Out)
Hills Bank and Trust Company: $20
Hills Bank and Trust Company: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 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 Hills Bank and Trust Company’s own schedules, with a source for each figure.

Overdraft & NSF

Overdraft fee$27
per item
Nonsufficient fee (NSF)$27
per item
Automatic transfer for overdraft from deposit account (Sales tax included)$5

ATM & Card

International transaction (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire transfers: Outgoing domestic (customer) (audience not stated, treated as personal)$20
Wire transfers: Outgoing foreign (customer) (audience not stated, treated as personal)$75

Check Services

Official check$3
Money order$3
Stop payment (all items) sales tax included$27
Collection Item: Domestic (per item) (audience not stated, treated as personal)$15
per item

Cash & Deposit

Chargeback of deposited item (sales tax included) (audience not stated, treated as personal)$5

Account Services

Drilling (audience not stated, treated as personal)$200
Not compared: Box drilling or key fee
Key Replacement (audience not stated, treated as personal)$20
Not compared: Box drilling or key fee
Garnishment$50
Levies$50

Other Fees

Duplicate image statement (Sales tax included) (audience not stated, treated as personal)$25

Fee	Amount	Basis	Note
Overdraft & NSF
Overdraft fee	$27	per item	None
Nonsufficient fee (NSF)	$27	per item	None
Automatic transfer for overdraft from deposit account (Sales tax included)	$5	Not stated	None
ATM & Card
International transaction (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire transfers: Outgoing domestic (customer) (audience not stated, treated as personal)	$20	Not stated	None
Wire transfers: Outgoing foreign (customer) (audience not stated, treated as personal)	$75	Not stated	None
Check Services
Official check	$3	Not stated	None
Money order	$3	Not stated	None
Stop payment (all items) sales tax included	$27	Not stated	None
Collection Item: Domestic (per item) (audience not stated, treated as personal)	$15	per item	None
Cash & Deposit
Chargeback of deposited item (sales tax included) (audience not stated, treated as personal)	$5	Not stated	None
Account Services
Drilling (audience not stated, treated as personal)	$200Not compared: Box drilling or key fee	Not stated	None
Key Replacement (audience not stated, treated as personal)	$20Not compared: Box drilling or key fee	Not stated	None
Garnishment	$50	Not stated	None
Levies	$50	Not stated	None
Other Fees
Duplicate image statement (Sales tax included) (audience not stated, treated as personal)	$25	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 17, 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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