Prairie Community Bank

Headquarters: Marengo, Illinois
Charter: Bank
Assets: $187.5M
Fed district: Chicago

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

Source: its fee schedule, read Oct 20, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $7.48, the middle of its prices
Prairie Community Bank: $4.95 to $10
Prairie Community Bank: $4.95 to $10
U.S. median: no median
Overdraft (OD)
Prairie Community Bank: $35
Prairie Community Bank: $35
U.S. median: no median
Non-Network ATM
Prairie Community Bank: $1.50
Prairie Community Bank: $1.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 20, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Illinois, 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).
Illinois: Banks and credit unions headquartered in Illinois 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 Prairie Community Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$10
per month
Secure Choice Checking Monthly service fee$4.95
per month
Account closed within 90 days$25
Dormant account (per month)$5
per month
Account reconcilement (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Account research (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statements$3

Overdraft & NSF

Overdraft Charge Item per transaction paid$35
per item
Overdraft transfer (per occurrence)$10
per item

ATM & Card

ATM non-Prairie transaction$1.50
Debit card replacement$5

Wire Transfers

Wire transfer – outgoing$30
Wire transfer – incoming$10
Not compared: Monthly charge, not per item
per month
Wire transfer – international (USD)$50

Check Services

Cashier’s check$5
per item
Money order$3
Stop payment order$30
Temporary checks$5
Check cashing – non-customer$5
Collection item$30
Check images (each)$1
per item

Digital & Electronic

Zelle®$3
per month

Cash & Deposit

Coin counting – non-customer$5
Deposited Item Return (audience not stated, treated as personal)$10

Account Services

Garnishments/levies/subpoenas$125

Other Fees

Fax charge (per page)$1
per item
Interim statement$5
Photocopies (per page)$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$10	per month	None
Secure Choice Checking Monthly service fee	$4.95	per month	None
Account closed within 90 days	$25	Not stated	None
Dormant account (per month)	$5	per month	None
Account reconcilement (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account research (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statements	$3	Not stated	None
Overdraft & NSF
Overdraft Charge Item per transaction paid	$35	per item	None
Overdraft transfer (per occurrence)	$10	per item	None
ATM & Card
ATM non-Prairie transaction	$1.50	Not stated	None
Debit card replacement	$5	Not stated	None
Wire Transfers
Wire transfer – outgoing	$30	Not stated	None
Wire transfer – incoming	$10Not compared: Monthly charge, not per item	per month	None
Wire transfer – international (USD)	$50	Not stated	None
Check Services
Cashier’s check	$5	per item	None
Money order	$3	Not stated	None
Stop payment order	$30	Not stated	None
Temporary checks	$5	Not stated	None
Check cashing – non-customer	$5	Not stated	None
Collection item	$30	Not stated	None
Check images (each)	$1	per item	None
Digital & Electronic
Zelle®	$3	per month	None
Cash & Deposit
Coin counting – non-customer	$5	Not stated	None
Deposited Item Return (audience not stated, treated as personal)	$10	Not stated	None
Account Services
Garnishments/levies/subpoenas	$125	Not stated	None
Other Fees
Fax charge (per page)	$1	per item	None
Interim statement	$5	Not stated	None
Photocopies (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

Correct a fee source

Oct 20, 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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