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.

Explore Hamilton View published fees

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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Among its peers

Hills Bank and Trust Company · $4.8B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Banks only
$4.3B to $5.2B in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Hills Bank and Trust Company(this institution)	Hills, IA	$4.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Arrow Bank National Association	Glens Falls, NY	$4.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bar Harbor Bank & Trust	Bar Harbor, ME	$4.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Capital City Bank	Tallahassee, FL	$4.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Carter Bank & Trust	Martinsville, VA	$4.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community Bank of Mississippi	Flowood, MS	$5.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community West Bank	Fresno, CA	$5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Federal Bank	Lake City, FL	$4.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First National Bank Alaska	Anchorage, AK	$5.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First State Community Bank	Farmington, MO	$4.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Hingham Institution for Savings	Hingham, MA	$4.6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
HomeTrust Bank	Asheville, NC	$4.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
International Bank of Commerce	Brownsville, TX	$4.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
NATIONAL COOPERATIVE BANK, N.A.	Hillsboro, OH	$4.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Northeast Bank	Portland, ME	$5.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
PeoplesBank	Holyoke, MA	$4.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Primis Bank	Tappahannock, VA	$4.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Southern Bank	Poplar Bluff, MO	$5.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Southern First Bank	Greenville, SC	$4.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Bank of India	Chicago, IL	$4.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Sunwest Bank	Sandy, UT	$4.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Texas Bank and Trust Company	Longview, TX	$4.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Texas Exchange Bank	Crowley, TX	$4.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Fidelity Bank	Fuquay Varina, NC	$4.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
VeraBank, National Association	Henderson, TX	$4.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Wheaton Bank & Trust, National Association	Wheaton, IL	$4.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Hills Bank and Trust Company does not publish a monthly maintenance fee in the index.

The peer median is $7.75 among 15 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.

Monthly maintenance fee in dollars, one mark per institution

Hills Bank and Trust Company does not publish a monthly maintenance fee, so it is not on this chart.

Hills Bank and Trust Comp…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.

Fee change alerts

Get an email when Hills Bank and Trust Company's monthly maintenance changes in our data

We check once a day and send one email covering every change.

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.

Among its peers

Hills Bank and Trust Company · $4.8B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Banks only
$4.3B to $5.2B in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Hills Bank and Trust Company(this institution)	Hills, IA	$4.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Arrow Bank National Association	Glens Falls, NY	$4.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bar Harbor Bank & Trust	Bar Harbor, ME	$4.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Capital City Bank	Tallahassee, FL	$4.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Carter Bank & Trust	Martinsville, VA	$4.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community Bank of Mississippi	Flowood, MS	$5.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community West Bank	Fresno, CA	$5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Federal Bank	Lake City, FL	$4.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First National Bank Alaska	Anchorage, AK	$5.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First State Community Bank	Farmington, MO	$4.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Hingham Institution for Savings	Hingham, MA	$4.6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
HomeTrust Bank	Asheville, NC	$4.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
International Bank of Commerce	Brownsville, TX	$4.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
NATIONAL COOPERATIVE BANK, N.A.	Hillsboro, OH	$4.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Northeast Bank	Portland, ME	$5.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
PeoplesBank	Holyoke, MA	$4.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Primis Bank	Tappahannock, VA	$4.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Southern Bank	Poplar Bluff, MO	$5.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Southern First Bank	Greenville, SC	$4.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Bank of India	Chicago, IL	$4.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Sunwest Bank	Sandy, UT	$4.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Texas Bank and Trust Company	Longview, TX	$4.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Texas Exchange Bank	Crowley, TX	$4.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Fidelity Bank	Fuquay Varina, NC	$4.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
VeraBank, National Association	Henderson, TX	$4.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Wheaton Bank & Trust, National Association	Wheaton, IL	$4.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Hills Bank and Trust Company does not publish a monthly maintenance fee in the index.

The peer median is $7.75 among 15 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.

Monthly maintenance fee in dollars, one mark per institution

Hills Bank and Trust Company does not publish a monthly maintenance fee, so it is not on this chart.

Hills Bank and Trust Comp…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.