Union Savings Bank

Headquarters: Freeport, Illinois
Charter: Bank
Assets: $182.0M
Fed district: Chicago

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

Source: its fee schedule, read Oct 23, 2026.

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Fees against the market

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

Monthly Maintenance
Rewards Checking $3 · Advantage Checking $7
Compared at $5, the middle of its prices
Union Savings Bank: $3 to $7
Union Savings Bank: $3 to $7
U.S. median: no median
Overdraft (OD)
Union Savings Bank: $32
Union Savings Bank: $32
U.S. median: no median
NSF / Returned Item
Union Savings Bank: $32
Union Savings Bank: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 23, 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 Union Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Rewards Checking Service charge (audience not stated, treated as personal)$3
per month
Service charge (audience not stated, treated as personal)$7
per month
Account research - per hour ($30 minimum)$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper statement fee - per cycle$2
per month

Overdraft & NSF

NSF Paid Item Fee(s)$32
per item
Overdraft Privilege Fee(s)$32
per item
NSF Returned Item Fee(s)$32
per item
STOP transfer fee – each (savings transfer overdraft protection)$3
per item

ATM & Card

Debit card replacement$15
per item

Wire Transfers

Wire transfer outgoing domestic$30
Wire transfer incoming domestic$15
Wire transfer outgoing international$55

Check Services

Official checks$5
per item
Stop payment fee - each (all item types)$32
per item
Encoded counter checks - sold in sets of twelve only$10

Cash & Deposit

Return item$5
per item

Account Services

Safe Deposit Box 10" x 10" x 21" - per year (audience not stated, treated as personal)$90
per year
Safe Deposit Box 3" x 10" x 21" - per year (audience not stated, treated as personal)$50
per year
Safe Deposit Box 3" x 5" x 21" - per year (audience not stated, treated as personal)$35
per year
Safe Deposit Box 5" x 5" x 21" - per year (audience not stated, treated as personal)$45
per year
Safe deposit box late payment fee - past due more than 30 days$20
Not compared: Box drilling or key fee
Safe deposit box lost or replacement key$30
Not compared: Box drilling or key fee
per item
Garnishment and tax levies$150

Lending Fees

Appraisal (audience not stated, treated as personal)$450

Other Fees

Duplicate statement - per copy$5
per item
Installment loan documentation fee (audience not stated, treated as personal)$250

Fee	Amount	Basis	Note
Account Maintenance
Rewards Checking Service charge (audience not stated, treated as personal)	$3	per month	None
Service charge (audience not stated, treated as personal)	$7	per month	None
Account research - per hour ($30 minimum)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper statement fee - per cycle	$2	per month	None
Overdraft & NSF
NSF Paid Item Fee(s)	$32	per item	None
Overdraft Privilege Fee(s)	$32	per item	None
NSF Returned Item Fee(s)	$32	per item	None
STOP transfer fee – each (savings transfer overdraft protection)	$3	per item	None
ATM & Card
Debit card replacement	$15	per item	None
Wire Transfers
Wire transfer outgoing domestic	$30	Not stated	None
Wire transfer incoming domestic	$15	Not stated	None
Wire transfer outgoing international	$55	Not stated	None
Check Services
Official checks	$5	per item	None
Stop payment fee - each (all item types)	$32	per item	None
Encoded counter checks - sold in sets of twelve only	$10	Not stated	None
Cash & Deposit
Return item	$5	per item	None
Account Services
Safe Deposit Box 10" x 10" x 21" - per year (audience not stated, treated as personal)	$90	per year	None
Safe Deposit Box 3" x 10" x 21" - per year (audience not stated, treated as personal)	$50	per year	None
Safe Deposit Box 3" x 5" x 21" - per year (audience not stated, treated as personal)	$35	per year	None
Safe Deposit Box 5" x 5" x 21" - per year (audience not stated, treated as personal)	$45	per year	None
Safe deposit box late payment fee - past due more than 30 days	$20Not compared: Box drilling or key fee	Not stated	None
Safe deposit box lost or replacement key	$30Not compared: Box drilling or key fee	per item	None
Garnishment and tax levies	$150	Not stated	None
Lending Fees
Appraisal (audience not stated, treated as personal)	$450	Not stated	None
Other Fees
Duplicate statement - per copy	$5	per item	None
Installment loan documentation fee (audience not stated, treated as personal)	$250	Not stated	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 23, 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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