West Bank

Headquarters: West Des Moines, Iowa
Charter: Bank
Assets: $4.0B
Fed district: Chicago

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

Source: its fee schedule, read Oct 9, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $10, the middle of its prices
West Bank: $5 to $15
West Bank: $5 to $15
U.S. median: no median
Overdraft (OD)
West Bank: $35
West Bank: $35
U.S. median: no median
NSF / Returned Item
West Bank: $35
West Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

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

Account Maintenance

Loyalty Checking Monthly Service Charge$15
per month
Monthly Service Charge$5
per month
Reward Me Checking Monthly Service Charge$10
per month
Early Closed Account Fee$35
Dormant Account Fee$10
per month

Overdraft & NSF

Overdraft Fee (per item)$35
per item
Return Item Fee (per item)$35
per item
Overdraft Protection Transfer Fee$5
per item

ATM & Card

Debit Card Replacement Fee (each)$12
per item
Overnighted/Expedited Instant Issue Debit Card (each)$30
per item

Wire Transfers

Domestic Outgoing Wire Fee (each)$30
per item
Incoming Wire Fee (each)$15
per item

Check Services

Certified Check Fee (each)$20
per item
Official Check (customer, each)$10
per item
Official Check (non-customer, each)$15
per item
Bill Pay® Stop Payment (per Item)$20
per item
Stop Payment (audience not stated, treated as personal)$35
per item
Zelle® Stop Payment In Process Cancellation Fee ++$10
Cancelled Check Copy or Check Re-issue (each)$10
per item

Cash & Deposit

Night Depository Service Fee (one-time fee)$20

Account Services

Levy/Garnishment Fee (as permitted, each)$100
per item

Gift & Prepaid Cards

Gift Card Purchase Fee$5
per item
Gift Card Purchase Fee (per card)$5
per item

Other Fees

Additional Statement Fee (each)$10
per item
Research copies per page$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Loyalty Checking Monthly Service Charge	$15	per month	None
Monthly Service Charge	$5	per month	None
Reward Me Checking Monthly Service Charge	$10	per month	None
Early Closed Account Fee	$35	Not stated	None
Dormant Account Fee	$10	per month	None
Overdraft & NSF
Overdraft Fee (per item)	$35	per item	None
Return Item Fee (per item)	$35	per item	None
Overdraft Protection Transfer Fee	$5	per item	None
ATM & Card
Debit Card Replacement Fee (each)	$12	per item	None
Overnighted/Expedited Instant Issue Debit Card (each)	$30	per item	None
Wire Transfers
Domestic Outgoing Wire Fee (each)	$30	per item	None
Incoming Wire Fee (each)	$15	per item	None
Check Services
Certified Check Fee (each)	$20	per item	None
Official Check (customer, each)	$10	per item	None
Official Check (non-customer, each)	$15	per item	None
Bill Pay® Stop Payment (per Item)	$20	per item	None
Stop Payment (audience not stated, treated as personal)	$35	per item	None
Zelle® Stop Payment In Process Cancellation Fee ++	$10	Not stated	None
Cancelled Check Copy or Check Re-issue (each)	$10	per item	None
Cash & Deposit
Night Depository Service Fee (one-time fee)	$20	Not stated	None
Account Services
Levy/Garnishment Fee (as permitted, each)	$100	per item	None
Gift & Prepaid Cards
Gift Card Purchase Fee	$5	per item	None
Gift Card Purchase Fee (per card)	$5	per item	None
Other Fees
Additional Statement Fee (each)	$10	per item	None
Research copies per page	$5	per item	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 9, 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

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