Citizens Savings Bank and Trust Company

Headquarters: Nashville, Tennessee
Charter: Bank
Assets: $188.1M
Fed district: Atlanta

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

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

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Citizens Savings Bank and Trust Company: $5
Citizens Savings Bank and Trust Company: $5
U.S. median: no median
Overdraft (OD)
Citizens Savings Bank and Trust Company: $35
Citizens Savings Bank and Trust Company: $35
U.S. median: no median
NSF / Returned Item
Citizens Savings Bank and Trust Company: $35
Citizens Savings Bank and Trust Company: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Apr 20, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Tennessee, the Atlanta 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).
Tennessee: Banks and credit unions headquartered in Tennessee that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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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Among its peers

Citizens Savings Bank and Trust Company · $188M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$184M to $193M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Citizens Savings Bank and Trust Company(this institution)	Nashville, TN	$188M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
BankPacific, Ltd	Hagatna, GU	$192M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bristol Morgan Bank	Oakfield, WI	$191M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Federal Savings Bank	Leavenworth, KS	$190M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Community Bank	Topeka, KS	$189M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Farmers State Bank	West Salem, OH	$188M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Farmers Trust & Savings Bank	Williamsburg, IA	$192M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Federal Savings and Loan Association of Bath	Bath, ME	$189M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Federal Savings Bank of Champaign Urbana	Champaign, IL	$193M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Federal Savings of Middletown	Middletown, NY	$188M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
First State Bank	Socorro, NM	$188M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Independence Bank	Independence, OH	$191M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Peoples Bank	Paris, TX	$185M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Peoples Savings Bank	Wellsburg, IA	$189M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pine River State Bank	Pine River, MN	$185M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Prairie Community Bank	Marengo, IL	$188M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Bank of Bement	Bement, IL	$186M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Bank of Southwest Missouri	Springfield, MO	$184M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The First National Bank of Raymond	Raymond, IL	$187M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First State Bank of Malta	Malta, MT	$190M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Home National Bank of Thorntown	Thorntown, IN	$186M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Peoples Savings Bank	Urbana, OH	$189M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
United Republic Bank	Elkhorn, NE	$186M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Valley Central Bank	Liberty Township, OH	$187M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Walden Mutual Bank	Concord, NH	$193M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Wrentham Co-operative Bank	Wrentham, MA	$193M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.49 (33%) below the median of similar-sized banks.

Its published price is $5, against a peer median of $7.49 among 16 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 Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Citizens Savings Bank and…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Citizens Savings Bank and Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge$5
per month
Dormant Fee$5
per month
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail$5

Overdraft & NSF

Overdraft Fee$35
per item
Returned Item Fee (NSF)$35
per item

ATM & Card

ATM/Debit Card Replacement$15

Check Services

Official Check Exchange (Non-Customer)$15
Official Check: Returned Mail$5
Stop Payments$37
per item
Copy of Check Image$2

Digital & Electronic

Bill Pay & Zelle$9.95

Cash & Deposit

Returned Deposit Item$12
Night Deposit Replacement/Additional Key$125

Account Services

Drilling Fee$150
Not compared: Box drilling or key fee
Replacement Key$125
Not compared: Box drilling or key fee
Garnishments, Levies or Attachments$100

Other Fees

Copy of Statement$5
Photocopy$2
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$5	per month	None
Dormant Fee	$5	per month	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail	$5	Not stated	None
Overdraft & NSF
Overdraft Fee	$35	per item	None
Returned Item Fee (NSF)	$35	per item	None
ATM & Card
ATM/Debit Card Replacement	$15	Not stated	None
Check Services
Official Check Exchange (Non-Customer)	$15	Not stated	None
Official Check: Returned Mail	$5	Not stated	None
Stop Payments	$37	per item	None
Copy of Check Image	$2	Not stated	None
Digital & Electronic
Bill Pay & Zelle	$9.95	Not stated	None
Cash & Deposit
Returned Deposit Item	$12	Not stated	None
Night Deposit Replacement/Additional Key	$125	Not stated	None
Account Services
Drilling Fee	$150Not compared: Box drilling or key fee	Not stated	None
Replacement Key	$125Not compared: Box drilling or key fee	Not stated	None
Garnishments, Levies or Attachments	$100	Not stated	None
Other Fees
Copy of Statement	$5	Not stated	None
Photocopy	$2Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Apr 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.

Fee change alerts

Get an email when Citizens Savings Bank and Trust Company's wire transfer changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Monthly Maintenance
Citizens Savings Bank and Trust Company: $5
Citizens Savings Bank and Trust Company: $5
U.S. median: no median
Overdraft (OD)
Citizens Savings Bank and Trust Company: $35
Citizens Savings Bank and Trust Company: $35
U.S. median: no median
NSF / Returned Item
Citizens Savings Bank and Trust Company: $35
Citizens Savings Bank and Trust Company: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Apr 20, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Tennessee, the Atlanta 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).
Tennessee: Banks and credit unions headquartered in Tennessee that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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.

Among its peers

Citizens Savings Bank and Trust Company · $188M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$184M to $193M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Citizens Savings Bank and Trust Company(this institution)	Nashville, TN	$188M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
BankPacific, Ltd	Hagatna, GU	$192M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bristol Morgan Bank	Oakfield, WI	$191M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Federal Savings Bank	Leavenworth, KS	$190M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Community Bank	Topeka, KS	$189M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Farmers State Bank	West Salem, OH	$188M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Farmers Trust & Savings Bank	Williamsburg, IA	$192M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Federal Savings and Loan Association of Bath	Bath, ME	$189M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Federal Savings Bank of Champaign Urbana	Champaign, IL	$193M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Federal Savings of Middletown	Middletown, NY	$188M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
First State Bank	Socorro, NM	$188M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Independence Bank	Independence, OH	$191M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Peoples Bank	Paris, TX	$185M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Peoples Savings Bank	Wellsburg, IA	$189M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pine River State Bank	Pine River, MN	$185M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Prairie Community Bank	Marengo, IL	$188M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Bank of Bement	Bement, IL	$186M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Bank of Southwest Missouri	Springfield, MO	$184M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The First National Bank of Raymond	Raymond, IL	$187M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First State Bank of Malta	Malta, MT	$190M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Home National Bank of Thorntown	Thorntown, IN	$186M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Peoples Savings Bank	Urbana, OH	$189M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
United Republic Bank	Elkhorn, NE	$186M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Valley Central Bank	Liberty Township, OH	$187M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Walden Mutual Bank	Concord, NH	$193M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Wrentham Co-operative Bank	Wrentham, MA	$193M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.49 (33%) below the median of similar-sized banks.

Its published price is $5, against a peer median of $7.49 among 16 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 Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Citizens Savings Bank and…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Citizens Savings Bank and Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge$5
per month
Dormant Fee$5
per month
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail$5

Overdraft & NSF

Overdraft Fee$35
per item
Returned Item Fee (NSF)$35
per item

ATM & Card

ATM/Debit Card Replacement$15

Check Services

Official Check Exchange (Non-Customer)$15
Official Check: Returned Mail$5
Stop Payments$37
per item
Copy of Check Image$2

Digital & Electronic

Bill Pay & Zelle$9.95

Cash & Deposit

Returned Deposit Item$12
Night Deposit Replacement/Additional Key$125

Account Services

Drilling Fee$150
Not compared: Box drilling or key fee
Replacement Key$125
Not compared: Box drilling or key fee
Garnishments, Levies or Attachments$100

Other Fees

Copy of Statement$5
Photocopy$2
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$5	per month	None
Dormant Fee	$5	per month	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail	$5	Not stated	None
Overdraft & NSF
Overdraft Fee	$35	per item	None
Returned Item Fee (NSF)	$35	per item	None
ATM & Card
ATM/Debit Card Replacement	$15	Not stated	None
Check Services
Official Check Exchange (Non-Customer)	$15	Not stated	None
Official Check: Returned Mail	$5	Not stated	None
Stop Payments	$37	per item	None
Copy of Check Image	$2	Not stated	None
Digital & Electronic
Bill Pay & Zelle	$9.95	Not stated	None
Cash & Deposit
Returned Deposit Item	$12	Not stated	None
Night Deposit Replacement/Additional Key	$125	Not stated	None
Account Services
Drilling Fee	$150Not compared: Box drilling or key fee	Not stated	None
Replacement Key	$125Not compared: Box drilling or key fee	Not stated	None
Garnishments, Levies or Attachments	$100	Not stated	None
Other Fees
Copy of Statement	$5	Not stated	None
Photocopy	$2Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Apr 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.