Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, under $300M

Bank Plus

Estherville, IowaBankChicago Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Savings account minimum balance fee$5Within the typical range ($5–$10 nationally)

Account closing fee$25

$7.50 above the national median$10 above the Iowa median

Knox extract.rules v19 categorized a line held for review from Rosetta artifact #3030. canonical_hint=early_closure; text_hash=26801004063bb3db452941479a103abe2515f8be9f7c65778fde6dd280e11531; excerpt="Account closing fee | $25.00" · Source

Dormant account fee$5

At the national medianAt the Iowa median

per month · Source

Account research$30

$12.50 above the national median$10 above the Iowa median

Source

Overdraft & NSFVerified

Overdraft (each debit or check paid)$30Within the typical range ($25–$33 nationally)
At the national medianAt the Iowa median
per item · Source
Nonsufficient funds (NSF) item (each)$30Within the typical range ($25–$32 nationally)
At the national median$1.50 above the Iowa median
per item · Source
Overdraft protection transfer charge$3Within the typical range ($2.50–$5 nationally)
$2 below the national median$2 below the Iowa median
per item · Source

ATM & CardVerified

Debit card PIN number replacement$5Within the typical range ($5–$10 nationally)
$5 below the national median$5 below the Iowa median
per item · Source
Debit card replacement$10Within the typical range ($5–$10 nationally)
At the national medianAt the Iowa median
per item · Source

Wire TransfersVerified

Wire Transfers: Outgoing (domestic)$20Within the typical range ($20–$25 nationally)
$5 below the national median$1 below the Iowa median
Source
Wire Transfers: Incoming$10Within the typical range ($5–$15 nationally)
At the national medianAt the Iowa median
Source
Wire Transfers: Outgoing (international)$25Below the typical range ($40–$50 nationally)
$25 below the national median$21.25 below the Iowa median
Source

Check ServicesVerified

Cashier’s checks (any amount)$5Within the typical range ($3–$6 nationally)
At the national medianAt the Iowa median
per item · Source
Personal money orders$3Within the typical range ($1.50–$3 nationally)
$1 above the national medianAt the Iowa median
per item · Source
Stop payments (all items)$20Within the typical range ($20–$30 nationally)
$7.50 below the national median$5 below the Iowa median
Source
Non-customer check cashing - for checks$0Below the typical range ($5–$10 nationally)
$5 below the national median$5 below the Iowa median
Source

Cash & DepositVerified

Deposited checks (and other items) returned unpaid$4Below the typical range ($8–$25 nationally)
$11 below the national median$5 below the Iowa median
per item · Source

Retirement & IRAVerified

IRA transfer fee$50Above the typical range ($25–$35 nationally)
$25 above the national median$25 above the Iowa median
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Other FeesVerified

Photocopies$0.50Below the typical range ($2–$5 nationally)
$2.50 below the national median$1.81 below the Iowa median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Savings account minimum balance fee	$5Within the typical range ($5–$10 nationally)	$2 below the national medianAt the Iowa median	per month	—	Source
Account closing fee	$25Within the typical range ($10–$25 nationally)	$7.50 above the national median$10 above the Iowa median	—	Knox extract.rules v19 categorized a line held for review from Rosetta artifact #3030. canonical_hint=early_closure; text_hash=26801004063bb3db452941479a103abe2515f8be9f7c65778fde6dd280e11531; excerpt="Account closing fee \| $25.00"	Source
Dormant account fee	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Iowa median	per month	—	Source
Account research	$30Above the typical range ($12–$25 nationally)	$12.50 above the national median$10 above the Iowa median	—	—	Source
Overdraft & NSFVerified
Overdraft (each debit or check paid)	$30Within the typical range ($25–$33 nationally)	At the national medianAt the Iowa median	per item	—	Source
Nonsufficient funds (NSF) item (each)	$30
ATM & CardVerified
Debit card PIN number replacement	$5Within the typical range ($5–$10 nationally)	$5 below the national median$5 below the Iowa median	per item	—	Source
Debit card replacement	$10
Wire TransfersVerified
Wire Transfers: Outgoing (domestic)	$20Within the typical range ($20–$25 nationally)	$5 below the national median$1 below the Iowa median	—	—	Source
Wire Transfers: Incoming	$10
Check ServicesVerified
Cashier’s checks (any amount)	$5Within the typical range ($3–$6 nationally)	At the national medianAt the Iowa median	per item	—	Source
Personal money orders	$3
Cash & DepositVerified
Deposited checks (and other items) returned unpaid	$4Below the typical range ($8–$25 nationally)	$11 below the national median$5 below the Iowa median	per item	—	Source
Retirement & IRAVerified
IRA transfer fee	$50Above the typical range ($25–$35 nationally)	$25 above the national median$25 above the Iowa median	—	Knox extract.rules v19 categorized a line held for review from Rosetta artifact #3030. canonical_hint=ira_termination; text_hash=26801004063bb3db452941479a103abe2515f8be9f7c65778fde6dd280e11531; excerpt="IRA transfer fee \| $50.00"	Source
Other FeesVerified
Photocopies	$0.50Below the typical range ($2–$5 nationally)	$2.50 below the national median$1.81 below the Iowa median	per item	—	Source

Against Chicago Fed district banks

Its state has too few comparable institutions, so these are its Fed district peers.

Overdraft
$30.00
Of 116 others that publish it, 41 lower, 29 the same and 46 higher.

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

19 verified fees collected

Headline fees published

11 of 15

Published fees

Under review

Assets

$144.6M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$144.6M

Total deposits

$103.4M

Service charge income

$32K

Fee income ratio

1.9%

Return on assets

1.34%

Branches

Service charge income by quarter

Q2 2026$32K

Q1 2026$34K

Q4 2025$33K

Q3 2025$37K

Financial profile · Pro

Performance from regulator filings

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