The First National Bank of Raymond

Headquarters: Raymond, Illinois
Charter: Bank
Assets: $187.1M
Fed district: St. Louis

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

Source: its fee schedule, read Oct 14, 2026.

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Fees against the market

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

Overdraft (OD)
The First National Bank of Raymond: $30
The First National Bank of Raymond: $30
U.S. median: no median
Non-Network ATM
The First National Bank of Raymond: $1
The First National Bank of Raymond: $1
U.S. median: no median
Wire Transfer (Domestic Out)
The First National Bank of Raymond: $30
The First National Bank of Raymond: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Illinois, the St. Louis 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.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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 The First National Bank of Raymond’s own schedules, with a source for each figure.

Account Maintenance

Deposit Account closed within 90 days of opening$25
Inactive Account (applies to Checking and Savings accounts inactive for 24 months)$5
per month
Account Research/Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft and Non-Sufficient Funds (NSF) Fees$30
per item

ATM & Card

ATM Withdrawal (from Checking or Savings at an ATM owned by another institution)$1
Replacement Debit/ATM Card$10

Wire Transfers

Wire Transfer – Outgoing$30
Wire Transfer - Incoming$10

Check Services

Cashier's Check$4
Stop Payment$30
Counter / Temporary Checks$0.25
per item
Check Cashing for Non-Customers$10

Cash & Deposit

Loose Coin Counting for Non-Customers (audience not stated, treated as personal)5%

Account Services

Safe Deposit Box Closed with only 1 key$50
Not compared: Box drilling or key fee
Safe Deposit Box Drilling$25
Not compared: Box drilling or key fee
Safe Deposit Box Key replacement (requires the reissue of 2 new keys)$50
Not compared: Box drilling or key fee
Garnishments/Levies$60

Other Fees

Photocopies$0.20
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Deposit Account closed within 90 days of opening	$25	Not stated	None
Inactive Account (applies to Checking and Savings accounts inactive for 24 months)	$5	per month	None
Account Research/Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft and Non-Sufficient Funds (NSF) Fees	$30	per item	None
ATM & Card
ATM Withdrawal (from Checking or Savings at an ATM owned by another institution)	$1	Not stated	None
Replacement Debit/ATM Card	$10	Not stated	None
Wire Transfers
Wire Transfer – Outgoing	$30	Not stated	None
Wire Transfer - Incoming	$10	Not stated	None
Check Services
Cashier's Check	$4	Not stated	None
Stop Payment	$30	Not stated	None
Counter / Temporary Checks	$0.25	per item	None
Check Cashing for Non-Customers	$10	Not stated	None
Cash & Deposit
Loose Coin Counting for Non-Customers (audience not stated, treated as personal)	5%	Not stated	None
Account Services
Safe Deposit Box Closed with only 1 key	$50Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Drilling	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Key replacement (requires the reissue of 2 new keys)	$50Not compared: Box drilling or key fee	Not stated	None
Garnishments/Levies	$60	Not stated	None
Other Fees
Photocopies	$0.20Not compared: Charged per page; comparison unavailable	per page	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 14, 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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