Civista Bank

Headquarters: Sandusky, Ohio
Charter: Bank
Assets: $4.3B
Fed district: Cleveland

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

Source: its fee schedule, read Oct 6, 2026.

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Fees against the market

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

Monthly Maintenance
Compass Checking $8 · Civista@Work Checking $10 · Star Checking $10 · One Choice Checking $12
Compared at $10, the middle of its prices
Civista Bank: $8 to $12
Civista Bank: $8 to $12
U.S. median: no median
Overdraft (OD)
Civista Bank: $35
Civista Bank: $35
U.S. median: no median
NSF / Returned Item
Civista Bank: $25
Civista Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

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

Account Maintenance

Civista@Work Checking Monthly Fee$10
per month
Compass Checking Monthly Fee$8
per month
One Choice Checking Monthly Fee$12
per month
Star Checking Monthly Fee$10
per month
Account Balancing Assistance (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Invalid Address/Return Mail Fee$10

Overdraft & NSF

Non-sufficient Funds (NSF) Paid Item$35
Returned Check or ACH Item$25
Overdraft Transfer Service$10

ATM & Card

Non-Civista ATM Transaction$4.50
Replacement Card$10

Wire Transfers

Wire Transfers (Foreign): Outgoing$75
Wire Transfers (Foreign): Incoming$25

Check Services

Cashier’s Check$15
Stop Payment$38
Collection Items$45
Copies of Checks (per check)$6
per item

Account Services

Deposit Box Key Replacement$50
Not compared: Box drilling or key fee
Garnishments and Levies$150
Not compared: Monthly charge, not per item
per month

Retirement & IRA

IRA External Transfer Fee$35

Fee	Amount	Basis	Note
Account Maintenance
Civista@Work Checking Monthly Fee	$10	per month	None
Compass Checking Monthly Fee	$8	per month	None
One Choice Checking Monthly Fee	$12	per month	None
Star Checking Monthly Fee	$10	per month	None
Account Balancing Assistance (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Invalid Address/Return Mail Fee	$10	Not stated	None
Overdraft & NSF
Non-sufficient Funds (NSF) Paid Item	$35	Not stated	None
Returned Check or ACH Item	$25	Not stated	None
Overdraft Transfer Service	$10	Not stated	None
ATM & Card
Non-Civista ATM Transaction	$4.50	Not stated	None
Replacement Card	$10	Not stated	None
Wire Transfers
Wire Transfers (Foreign): Outgoing	$75	Not stated	None
Wire Transfers (Foreign): Incoming	$25	Not stated	None
Check Services
Cashier’s Check	$15	Not stated	None
Stop Payment	$38	Not stated	None
Collection Items	$45	Not stated	None
Copies of Checks (per check)	$6	per item	None
Account Services
Deposit Box Key Replacement	$50Not compared: Box drilling or key fee	Not stated	None
Garnishments and Levies	$150Not compared: Monthly charge, not per item	per month	None
Retirement & IRA
IRA External Transfer Fee	$35	Not stated	None

Correct a fee source

Oct 6, 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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