Bank of Hydro

Headquarters: Hydro, Oklahoma
Charter: Bank
Assets: $180.8M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 4, 2026.

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Fees against the market

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

Monthly Maintenance
Free Personal Checking $5 to $10
Compared at $7.50, the middle of its prices
Bank of Hydro: $5 to $10
Bank of Hydro: $5 to $10
U.S. median: no median
NSF / Returned Item
Bank of Hydro: $20
Bank of Hydro: $20
U.S. median: no median
Stop Payment
Bank of Hydro: $20
Bank of Hydro: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Oklahoma, the Kansas City 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).
Oklahoma: Banks and credit unions headquartered in Oklahoma that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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 Bank of Hydro’s own schedules, with a source for each figure.

Account Maintenance

Interest Checking Monthly maintenance fee (audience not stated, treated as personal)$7.50
per month
Monthly maintenance fee (audience not stated, treated as personal)$10
per month
Monthly maintenance fee (audience not stated, treated as personal)$5
per month
Dormant Account$2
per month

Overdraft & NSF

Insufficient Funds: Returned$20
per item

ATM & Card

Debit Card Replacement (audience not stated, treated as personal)$10
per item

Check Services

Stop Payment$20
per item
Collection Items: Outgoing (audience not stated, treated as personal)$10

Cash & Deposit

Chargebacks (audience not stated, treated as personal)$2
per item

Account Services

Garnishment$25

Fee	Amount	Basis	Note
Account Maintenance
Interest Checking Monthly maintenance fee (audience not stated, treated as personal)	$7.50	per month	None
Monthly maintenance fee (audience not stated, treated as personal)	$10	per month	None
Monthly maintenance fee (audience not stated, treated as personal)	$5	per month	None
Dormant Account	$2	per month	None
Overdraft & NSF
Insufficient Funds: Returned	$20	per item	None
ATM & Card
Debit Card Replacement (audience not stated, treated as personal)	$10	per item	None
Check Services
Stop Payment	$20	per item	None
Collection Items: Outgoing (audience not stated, treated as personal)	$10	Not stated	None
Cash & Deposit
Chargebacks (audience not stated, treated as personal)	$2	per item	None
Account Services
Garnishment	$25	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 4, 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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