Citizens State Bank

Headquarters: Sheldon, Iowa
Charter: Bank
Assets: $194.7M
Fed district: Chicago

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

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

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

Monthly Maintenance
Can be waived with an average daily balance of $1,000 or more.
Citizens State Bank: $6
Citizens State Bank: $6
U.S. median: no median
Overdraft (OD)
Citizens State Bank: $30
Citizens State Bank: $30
U.S. median: no median
NSF / Returned Item
Citizens State Bank: $5
Citizens State Bank: $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 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 Citizens State Bank’s own schedules, with a source for each figure.

Account Maintenance

Service Charge$6
per month
Account Balancing Assistance$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Domestic Faxes$1
Not compared: Charged per page; comparison unavailable
per page

Overdraft & NSF

Overdraft (each debit or check paid)$30
per item
Nonsufficient Funds (NSF) / Return item (each)$5
per item
Nonsufficient Funds (NSF) / Return Daily Maximum$150
per day

ATM & Card

SHAZAMChek Replacement Card$15

Check Services

Bank Money Orders$2
Personal Money Orders$2.50
per item
Stop Payments (all items)$15
Collection Items$15
Check copy fee$1
per item

Cash & Deposit

Deposited Checks (and other items) returned unpaid$1

Gift & Prepaid Cards

Visa Gift Cards$5

Fee	Amount	Basis	Note
Account Maintenance
Service Charge	$6	per month	None
Account Balancing Assistance	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Domestic Faxes	$1Not compared: Charged per page; comparison unavailable	per page	None
Overdraft & NSF
Overdraft (each debit or check paid)	$30	per item	None
Nonsufficient Funds (NSF) / Return item (each)	$5	per item	None
Nonsufficient Funds (NSF) / Return Daily Maximum	$150	per day	None
ATM & Card
SHAZAMChek Replacement Card	$15	Not stated	None
Check Services
Bank Money Orders	$2	Not stated	None
Personal Money Orders	$2.50	per item	None
Stop Payments (all items)	$15	Not stated	None
Collection Items	$15	Not stated	None
Check copy fee	$1	per item	None
Cash & Deposit
Deposited Checks (and other items) returned unpaid	$1	Not stated	None
Gift & Prepaid Cards
Visa Gift Cards	$5	Not stated	None

Correct a fee source

Nov 2, 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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