23 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 24, 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 Iowa, the Chicago 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.
Amounts from State Bank & Trust Co.’s own schedules, with a source for each figure.
per month
per hour
per hour
per item
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Automatic Minimum Balance Transfer Charge | $5 | Not stated | None |
| Account closed within 180 days of opening | $25 | Not stated | None |
| Dormant Account Fee (after 14 months inactivity)per mo | $15 | per month | None |
| Account Reconciliation (minimum 1 hr) per hour (audience not stated, treated as personal) | $45Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research (minimum 1 hr) per hour (audience not stated, treated as personal) | $45Not compared: Charged per hour; comparison unavailable | per hour | None |
| 1 Fee for Mailed Paper Statement if Online Statement is not selected | $4 | Not stated | None |
| Return Mail (per Item) (audience not stated, treated as personal) | $8Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Paid NSF Presented Item# (audience not stated, treated as personal) | $32 | Not stated | None |
| Returned NSF Presented Item# (audience not stated, treated as personal) | $10 | Not stated | None |
| Automatic Overdraft Transfer Fee | $5 | Not stated | None |
ATM & Card | |||
| ATM/Debit Card Replacement Fee | $15 | Not stated | None |
Wire Transfers | |||
| WIRE TRANSFERS: Domestic – Outgoing (audience not stated, treated as personal) | $25 | Not stated | None |
| WIRE TRANSFERS: International – Outgoing (audience not stated, treated as personal) | $50 | Not stated | None |
Check Services | |||
| Cashier Check (audience not stated, treated as personal) | $8 | Not stated | None |
| Stop Payment (check/ACH item) (audience not stated, treated as personal) | $35 | Not stated | None |
| STOP PAYMENT/WATCH: Watch Request (6 months) (audience not stated, treated as personal) | $50 | Not stated | None |
| Counter Checks (audience not stated, treated as personal) | $1 | Not stated | None |
| Check Cashing – Non Client | $20 | Not stated | None |
| Collection Item | $50 | Not stated | None |
Cash & Deposit | |||
| Charge Back of Returned Deposited Items (audience not stated, treated as personal) | $5 | Not stated | None |
| Night Depository Key (audience not stated, treated as personal) | $5 | Not stated | None |
Account Services | |||
| Notary | $15 | Not stated | None |
| 10x10 Safe Deposit Box Annual Rent (audience not stated, treated as personal) | $115 | per year | None |
| 3x10 Safe Deposit Box Annual Rent (audience not stated, treated as personal) | $50 | per year | None |
| 3x5 Safe Deposit Box Annual Rent (audience not stated, treated as personal) | $30 | per year | None |
| 5 x 5 Safe Deposit Box Annual Rent (audience not stated, treated as personal) | $40 | per year | None |
| 5x10 Safe Deposit Box Annual Rent (audience not stated, treated as personal) | $70 | per year | None |
| Safe Deposit Box – Replacement Key (audience not stated, treated as personal) | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Rent Late Fee (audience not stated, treated as personal) | $10Not compared: Box drilling or key fee | Not stated | None |
| Garnishment Fee Plus Legal Fees Incurred | $75 | Not stated | None |
| IRS Levy Fee Plus Legal Fees Incurred | $75 | Not stated | None |
Retirement & IRA | |||
| IRA Annual Fee | $15 | per year | None |
| IRA Transfer to another Custodian | $40 | Not stated | None |
Other Fees | |||
| Copies (per page) | $1 | per item | None |
| Duplicate Statement (per statement) (audience not stated, treated as personal) | $4 | Not stated | None |
| Fax Service (Per Page) | $1 | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $10 | per month | None |
| Automatic Minimum Balance Transfer Charge | $5 | Not stated | None |
| Account closed within 180 days of opening | $25 | Not stated | None |
| Dormant Account Fee (after 14 months inactivity)per mo | $15 | per month | None |
Overdraft & NSF | |||
| Automatic Overdraft Transfer Fee | $5 | Not stated | None |
ATM & Card | |||
| ATM/Debit Card Replacement Fee | $15 | Not stated | None |
Check Services | |||
| Check Cashing – Non Client | $20 | Not stated | None |
| Collection Item | $50 | Not stated | None |
Cash & Deposit | |||
| Commercial Coin Counting | 10%($5 minimum, $25 maximum) | Not stated | None |
Account Services | |||
| Notary | $15 | Not stated | None |
| Garnishment Fee Plus Legal Fees Incurred | $75 | Not stated | None |
| IRS Levy Fee Plus Legal Fees Incurred | $75 | Not stated | None |
Retirement & IRA | |||
| IRA Annual Fee | $15 | per year | None |
| IRA Transfer to another Custodian | $40 | Not stated | None |
Other Fees | |||
| Copies (per page) | $1 | per item | None |
| Fax Service (Per Page) | $1 | per item | None |
Oct 24, 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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