First Bank

Headquarters: Sterling, Kansas
Charter: Bank
Assets: $162.4M
Fed district: Kansas City

1 published fee; none has a market median to compare yet.

Source: its fee schedule, read Oct 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
Compared at $6, the middle of its prices
First Bank: $5 to $10
First Bank: $5 to $10
U.S. median: no median
Non-Network ATM
First Bank: Not identified
First Bank: Not identified
U.S. median: no median
NSF / Returned Item
First Bank: Not identified
First Bank: Not identified
U.S. median: no median

Fee not identified in the reviewed schedule. 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 Kansas, 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).
Kansas: Banks and credit unions headquartered in Kansas 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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Among its peers

First Bank · $162M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$154M to $171M in assets
Headquartered in 18 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
First Bank(this institution)	Sterling, KS	$162M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
American Bank of Baxter Springs	Baxter Springs, KS	$170M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Auburn Banking Company	Auburn, KY	$164M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank of Belle Glade	Belle Glade, FL	$160M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Boone Bank & Trust Co.	Boone, IA	$157M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Brickyard Bank	Lincolnwood, IL	$159M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Carson Community Bank	Stilwell, OK	$167M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Citizens' Bank, Inc.	Robertsdale, AL	$159M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Commercial Trust Company of Fayette	Fayette, MO	$164M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers and Merchants Bank	Sylvania, GA	$171M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Federal Savings and Loan Association of Greensburg	Greensburg, IN	$159M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fowler State Bank	Fowler, CO	$155M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hiawatha Bank and Trust Company	Hiawatha, IA	$157M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Home Federal Savings and Loan Association of Niles	Niles, OH	$159M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Legends West Bank	Lewellen, NE	$158M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Millville Savings Bank	Millville, NJ	$170M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Normangee State Bank	Normangee, TX	$165M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
North Central Bank	Hennepin, IL	$166M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Oakwood Bank	Pigeon Falls, WI	$156M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Security Bank and Trust Company	Miami, OK	$167M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Security Bank of Pulaski County	Saint Robert, MO	$163M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
State Bank & Trust Company	Golden Meadow, LA	$165M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Bank of Reeseville	Reeseville, WI	$170M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Bank of Protection	Protection, KS	$154M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
The First National Bank of Winnsboro	Winnsboro, TX	$158M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Westmoreland Federal Savings and Loan Association	Latrobe, PA	$167M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $1.63 (21%) below the median of similar-sized banks.

Compared at $6, the middle of its four prices, against a peer median of $7.63 among 10 publishing peers.

Its four checking prices are $5, $6, $6 and $10.

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

First Bank: an account price on its scheduleIts comparison price, the middle of its pricesPeer (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 First Bank’s own schedules, with a source for each figure.

Account Maintenance

First Choice Checking Account (Powered by BaZing) monthly service charge (audience not stated, treated as personal)$5
per month
Monthly service charge (audience not stated, treated as personal)$10
per month
Monthly service charge posted at statement cycle time (audience not stated, treated as personal)$6
per month
Monthly service charge posted at statement cycle time$6
per month

Fee	Amount	Basis	Note
Account Maintenance
First Choice Checking Account (Powered by BaZing) monthly service charge (audience not stated, treated as personal)	$5	per month	None
Monthly service charge (audience not stated, treated as personal)	$10	per month	None
Monthly service charge posted at statement cycle time (audience not stated, treated as personal)	$6	per month	None
Monthly service charge posted at statement cycle time	$6	per month	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Inactive 12 months and unable to contact by mail or phone$5
per month
Checkbook Balancing$10
Not compared: Charged per hour; comparison unavailable
per hour

Wire Transfers

Wire Transfer: Outgoing$15
Wire Transfer: Incoming$10
Wire Transfer: Non U.S. In/Out$40

Check Services

Cashiers Checks$5
Money Orders$3
Collection Items In/Out$10

Cash & Deposit

Coin Counting5%
Deposit Item Returned$4

Account Services

Notary Service$5
Garnishment/Levies$20

Other Fees

FAX IN$1
Not compared: Charged per page; comparison unavailable
per page · FAX IN: $1.00 per page
Fax Out$1

Fee	Amount	Basis	Note
Account Maintenance
Inactive 12 months and unable to contact by mail or phone	$5	per month	None
Checkbook Balancing	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Wire Transfers
Wire Transfer: Outgoing	$15	Not stated	None
Wire Transfer: Incoming	$10	Not stated	None
Wire Transfer: Non U.S. In/Out	$40	Not stated	None
Check Services
Cashiers Checks	$5	Not stated	None
Money Orders	$3	Not stated	None
Collection Items In/Out	$10	Not stated	None
Cash & Deposit
Coin Counting	5%	Not stated	None
Deposit Item Returned	$4	Not stated	None
Account Services
Notary Service	$5	Not stated	None
Garnishment/Levies	$20	Not stated	None
Other Fees
FAX IN	$1Not compared: Charged per page; comparison unavailable	per page	FAX IN: $1.00 per page
Fax Out	$1	Not stated	None

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.

Fee change alerts

Get an email when First Bank's nsf / returned item 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
Compared at $6, the middle of its prices
First Bank: $5 to $10
First Bank: $5 to $10
U.S. median: no median
Non-Network ATM
First Bank: Not identified
First Bank: Not identified
U.S. median: no median
NSF / Returned Item
First Bank: Not identified
First Bank: Not identified
U.S. median: no median

Fee not identified in the reviewed schedule. 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 Kansas, 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).
Kansas: Banks and credit unions headquartered in Kansas 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.

Among its peers

First Bank · $162M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$154M to $171M in assets
Headquartered in 18 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
First Bank(this institution)	Sterling, KS	$162M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
American Bank of Baxter Springs	Baxter Springs, KS	$170M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Auburn Banking Company	Auburn, KY	$164M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank of Belle Glade	Belle Glade, FL	$160M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Boone Bank & Trust Co.	Boone, IA	$157M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Brickyard Bank	Lincolnwood, IL	$159M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Carson Community Bank	Stilwell, OK	$167M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Citizens' Bank, Inc.	Robertsdale, AL	$159M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Commercial Trust Company of Fayette	Fayette, MO	$164M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers and Merchants Bank	Sylvania, GA	$171M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Federal Savings and Loan Association of Greensburg	Greensburg, IN	$159M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fowler State Bank	Fowler, CO	$155M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hiawatha Bank and Trust Company	Hiawatha, IA	$157M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Home Federal Savings and Loan Association of Niles	Niles, OH	$159M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Legends West Bank	Lewellen, NE	$158M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Millville Savings Bank	Millville, NJ	$170M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Normangee State Bank	Normangee, TX	$165M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
North Central Bank	Hennepin, IL	$166M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Oakwood Bank	Pigeon Falls, WI	$156M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Security Bank and Trust Company	Miami, OK	$167M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Security Bank of Pulaski County	Saint Robert, MO	$163M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
State Bank & Trust Company	Golden Meadow, LA	$165M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Bank of Reeseville	Reeseville, WI	$170M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Bank of Protection	Protection, KS	$154M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
The First National Bank of Winnsboro	Winnsboro, TX	$158M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Westmoreland Federal Savings and Loan Association	Latrobe, PA	$167M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $1.63 (21%) below the median of similar-sized banks.

Compared at $6, the middle of its four prices, against a peer median of $7.63 among 10 publishing peers.

Its four checking prices are $5, $6, $6 and $10.

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

First Bank: an account price on its scheduleIts comparison price, the middle of its pricesPeer (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 First Bank’s own schedules, with a source for each figure.

Account Maintenance

First Choice Checking Account (Powered by BaZing) monthly service charge (audience not stated, treated as personal)$5
per month
Monthly service charge (audience not stated, treated as personal)$10
per month
Monthly service charge posted at statement cycle time (audience not stated, treated as personal)$6
per month
Monthly service charge posted at statement cycle time$6
per month

Fee	Amount	Basis	Note
Account Maintenance
First Choice Checking Account (Powered by BaZing) monthly service charge (audience not stated, treated as personal)	$5	per month	None
Monthly service charge (audience not stated, treated as personal)	$10	per month	None
Monthly service charge posted at statement cycle time (audience not stated, treated as personal)	$6	per month	None
Monthly service charge posted at statement cycle time	$6	per month	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Inactive 12 months and unable to contact by mail or phone$5
per month
Checkbook Balancing$10
Not compared: Charged per hour; comparison unavailable
per hour

Wire Transfers

Wire Transfer: Outgoing$15
Wire Transfer: Incoming$10
Wire Transfer: Non U.S. In/Out$40

Check Services

Cashiers Checks$5
Money Orders$3
Collection Items In/Out$10

Cash & Deposit

Coin Counting5%
Deposit Item Returned$4

Account Services

Notary Service$5
Garnishment/Levies$20

Other Fees

FAX IN$1
Not compared: Charged per page; comparison unavailable
per page · FAX IN: $1.00 per page
Fax Out$1

Fee	Amount	Basis	Note
Account Maintenance
Inactive 12 months and unable to contact by mail or phone	$5	per month	None
Checkbook Balancing	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Wire Transfers
Wire Transfer: Outgoing	$15	Not stated	None
Wire Transfer: Incoming	$10	Not stated	None
Wire Transfer: Non U.S. In/Out	$40	Not stated	None
Check Services
Cashiers Checks	$5	Not stated	None
Money Orders	$3	Not stated	None
Collection Items In/Out	$10	Not stated	None
Cash & Deposit
Coin Counting	5%	Not stated	None
Deposit Item Returned	$4	Not stated	None
Account Services
Notary Service	$5	Not stated	None
Garnishment/Levies	$20	Not stated	None
Other Fees
FAX IN	$1Not compared: Charged per page; comparison unavailable	per page	FAX IN: $1.00 per page
Fax Out	$1	Not stated	None

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.