18 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 10, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for North Dakota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Horizon Financial Bank · $201M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Horizon Financial Bank(this institution) | Munich, ND | $201M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Badger Bank | Fort Atkinson, WI | $206M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank 21 | Carrollton, MO | $202M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of Commerce | Chelsea, OK | $203M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Delight | Delight, AR | $201M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Chelsea Savings Bank | Belle Plaine, IA | $197M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Commonwealth Co-operative Bank | Hyde Park, MA | $205M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Elkton Bank & Trust Company | Elkton, KY | $199M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Fidelity Bank | Savanna, IL | $199M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Cahawba Bank | Selma, AL | $206M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Frederick Community Bank, The | Paxton, IL | $196M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Gouverneur Savings and Loan Association | Gouverneur, NY | $199M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Halstead Bank | Halstead, KS | $206M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Lineage Bank | Franklin, TN | $198M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lyons Federal Bank | Lyons, KS | $198M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Minnstar Bank National Association | Lake Crystal, MN | $204M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mount Vernon Bank and Trust Company | Mount Vernon, IA | $195M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| New Haven Bank | New Haven, CT | $200M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Oklahoma Capital Bank | Tulsa, OK | $196M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| PeoplesTrust Bank | Hamilton, AL | $201M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Simmesport State Bank | Simmesport, LA | $198M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| State Bank & Trust Co. | Nevada, IA | $198M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Absecon | Absecon, NJ | $195M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The First National Bank of Dryden | Dryden, NY | $204M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Groton | Groton, NY | $204M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| THE SEILING STATE BANK | Seiling, OK | $195M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 13 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 22, 2026.
Monthly maintenance fee in dollars, one mark per institution
Horizon Financial Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 22, 2026. Total assets from FDIC and NCUA records.
Amounts from Horizon Financial Bank’s own schedules, with a source for each figure.
per item
per hour
per hour
per year
per year
per year
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closing (if account is closed within 3 months of opening) | $30 | Not stated | None |
| Dormant Accounts: Laminating (per sheet) | $1 | per item | None |
| Account Research per hour ($12.50 minimum, Copies & Postage Extra) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Checkbook Reconciliation per hour ($12.50 minimum) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Fee | $30 | Not stated | None |
| Non-sufficient Funds Fee (per item, per occurrence) | $30 | per item | None |
| Continuous Overdraft Fee per business day (after 7 consecutive business days overdrawn) | $5 | per day | None |
ATM & Card | |||
| ATM Card Replacements | $10 | Not stated | None |
| Card Rush Orders | $50 | Not stated | None |
Wire Transfers | |||
| Money Wires In/Out: Domestic | $20 | Not stated | None |
| Money Wires In/Out: International | $75 | Not stated | None |
Check Services | |||
| Cashier’s Checks | $5 | Not stated | None |
| Money Orders | $3 | Not stated | None |
| Stop Payment | $30 | Not stated | None |
| Counter Checks (per sheet of 4) | $1 | per item | None |
| Check Cashing ($6.00 minimum, no maximum) | $2 | Not stated | None |
| Enlarged Check Images (larger than 18 items per page, per statement, per month) | $5Not compared: Monthly charge, not per item | per month | None |
Cash & Deposit | |||
| Coin Counting/Exchange | 5% | Not stated | None |
Account Services | |||
| Notary Services | $5 | Not stated | None |
| Notary Services | No charge | Not stated | None |
| 10” x 10” (annually) | $100 | per year | None |
| 3” x 10” (annually) | $30 | per year | None |
| 3” x 5” (annually) | $15 | per year | None |
| 5” x 10” (annually) | $50 | per year | None |
| Drill Outs ( 3rd party charges additional) | $25Not compared: Box drilling or key fee | Not stated | None |
| Extension Door Lost Key Fee (3rd party charges additional) | $50Not compared: Box drilling or key fee | Not stated | None |
| Key Replacement/Duplicates | $35Not compared: Box drilling or key fee | Not stated | None |
| Late Fee | $10Not compared: Box drilling or key fee | Not stated | None |
| Levy/Garnishment (each) | $25 | per item | None |
Other Fees | |||
| Duplicate Statements (per statement, per month) | $5Not compared: Monthly charge, not per item | per month | None |
| Photocopies: Color (per page) | $1 | per item | None |
Oct 10, 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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