Farmers Trust & Savings Bank

Headquarters: Williamsburg, Iowa
Charter: Bank
Assets: $191.6M
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 $13.47, the middle of its prices
Farmers Trust & Savings Bank: $1.94 to $25
Farmers Trust & Savings Bank: $1.94 to $25
U.S. median: no median
Overdraft (OD)
Farmers Trust & Savings Bank: $29
Farmers Trust & Savings Bank: $29
U.S. median: no median
Wire Transfer (Domestic Out)
Farmers Trust & Savings Bank: $20
Farmers Trust & Savings Bank: $20
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 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 Farmers Trust & Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly maintenance fee$25
per month
Monthly maintenance fee if the daily balance drops below any day of the calendar month$2
per month
Traditional Checking Monthly maintenance fee$1.94
per month
Account Closed Within 90 Days$25
Escheat Fee$40
Inactivity Fee$2
per month
Account Research ($10 minimum) (audience not stated, treated as personal)$20
Not compared: Charged per hour; comparison unavailable
per hour
Returned Statement$4

Overdraft & NSF

Overdraft/Nonsufficient Funds: Per Presentment Paid$29
per item

ATM & Card

New or Replacement ATM Card$10
New or Replacement Debit Card (ShazamChek or PhotoDebit)$5
Debit Card Rush Order Fee$75

Wire Transfers

Outgoing wire (customer)$20
Incoming Wire (customer)$5
Foreign Wire$40

Check Services

Bank Money Order (customer)$4
Bank Money Order (non-customer)$6
Personal Money Order (customer)$2
Personal Money Order (non-customer)$4
Stop Payment Order (audience not stated, treated as personal)$29
Counter ChecksNo charge
Check Cashing (customer)No charge
Check Cashing (non-customer)$3
Image Copies (each)$1
per item

Cash & Deposit

Coin Counting (customer)No charge
Return Deposit Items: Charged Back (per presentment) (audience not stated, treated as personal)$5
per item
Return Deposit Items: Redeposited (per item) (audience not stated, treated as personal)$3
per item
Return Deposit Items: Special Handling (per presentment) (audience not stated, treated as personal)$2
per item

Account Services

Notary$1
Box Drilling (audience not stated, treated as personal)$100
Not compared: Box drilling or key fee
Box Key Replacement (audience not stated, treated as personal)$10
Not compared: Box drilling or key fee
Late Payment (after 30 days) (audience not stated, treated as personal)$5
Not compared: Monthly charge, not annual
per month
Garnishment/Levy (as permitted)$60

Retirement & IRA

IRA Transfer Fee$50

Gift & Prepaid Cards

Reload Fee (audience not stated, treated as personal)$3
VISA Gift Card (audience not stated, treated as personal)$2.50

Other Fees

Duplicate Image Statement$5
Microfilm Copy (plus Account Research)$5
Photocopy (per copy) (audience not stated, treated as personal)$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly maintenance fee	$25	per month	None
Monthly maintenance fee if the daily balance drops below any day of the calendar month	$2	per month	None
Traditional Checking Monthly maintenance fee	$1.94	per month	None
Account Closed Within 90 Days	$25	Not stated	None
Escheat Fee	$40	Not stated	None
Inactivity Fee	$2	per month	None
Account Research ($10 minimum) (audience not stated, treated as personal)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Statement	$4	Not stated	None
Overdraft & NSF
Overdraft/Nonsufficient Funds: Per Presentment Paid	$29	per item	None
ATM & Card
New or Replacement ATM Card	$10	Not stated	None
New or Replacement Debit Card (ShazamChek or PhotoDebit)	$5	Not stated	None
Debit Card Rush Order Fee	$75	Not stated	None
Wire Transfers
Outgoing wire (customer)	$20	Not stated	None
Incoming Wire (customer)	$5	Not stated	None
Foreign Wire	$40	Not stated	None
Check Services
Bank Money Order (customer)	$4	Not stated	None
Bank Money Order (non-customer)	$6	Not stated	None
Personal Money Order (customer)	$2	Not stated	None
Personal Money Order (non-customer)	$4	Not stated	None
Stop Payment Order (audience not stated, treated as personal)	$29	Not stated	None
Counter Checks	No charge	Not stated	None
Check Cashing (customer)	No charge	Not stated	None
Check Cashing (non-customer)	$3	Not stated	None
Image Copies (each)	$1	per item	None
Cash & Deposit
Coin Counting (customer)	No charge	Not stated	None
Return Deposit Items: Charged Back (per presentment) (audience not stated, treated as personal)	$5	per item	None
Return Deposit Items: Redeposited (per item) (audience not stated, treated as personal)	$3	per item	None
Return Deposit Items: Special Handling (per presentment) (audience not stated, treated as personal)	$2	per item	None
Account Services
Notary	$1	Not stated	None
Box Drilling (audience not stated, treated as personal)	$100Not compared: Box drilling or key fee	Not stated	None
Box Key Replacement (audience not stated, treated as personal)	$10Not compared: Box drilling or key fee	Not stated	None
Late Payment (after 30 days) (audience not stated, treated as personal)	$5Not compared: Monthly charge, not annual	per month	None
Garnishment/Levy (as permitted)	$60	Not stated	None
Retirement & IRA
IRA Transfer Fee	$50	Not stated	None
Gift & Prepaid Cards
Reload Fee (audience not stated, treated as personal)	$3	Not stated	None
VISA Gift Card (audience not stated, treated as personal)	$2.50	Not stated	None
Other Fees
Duplicate Image Statement	$5	Not stated	None
Microfilm Copy (plus Account Research)	$5	Not stated	None
Photocopy (per copy) (audience not stated, treated as personal)	$0.25	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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