Citizens Savings Bank

Headquarters: Spillville, Iowa
Charter: Bank
Assets: $151.1M
Fed district: Chicago

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

Source: its fee schedule, read Nov 2, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Citizens Savings Bank: $25
Citizens Savings Bank: $25
U.S. median: no median
NSF / Returned Item
Citizens Savings Bank: $25
Citizens Savings Bank: $25
U.S. median: no median
Non-Network ATM
Citizens Savings Bank: $0.50
Citizens Savings Bank: $0.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 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 Citizens Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account Fee$3
per month
Account Research or Balancing$25
Not compared: Charged per hour; comparison unavailable
per hour
Printed Statement Fee$2

Overdraft & NSF

Overdraft charge$25
per item
NSF / Returned Item$25
per item
Overdraft Daily Cap$125
per day · Maximum overdraft charges per day

ATM & Card

Debit Card Balance or Transaction History Inquiry at ATM$0.50
per item
Replace Debit Card$10

Wire Transfers

Wire Transfer (outgoing - domestic)$20
Wire Transfer (incoming)$10
Wire Transfer (outgoing - international)$50

Check Services

Bank Money Order$5
per item
Personal Money Order$2
per item
Stop Payment - all items$15
per item
Stop Payment - lost checkbook$30
Counter Checks$0.25
per item
Check Copies$1
per item

Digital & Electronic

Overnight Bill Pay Check$14.95
Same Day Bill Pay$9.95

Cash & Deposit

Deposited Checks (and other items) Returned Unpaid$5
per item

Account Services

Notary Services$2
Lost Safe Deposit Box Key$30
Not compared: Box drilling or key fee
Safe Deposit Box Late Fee$10
Not compared: Box drilling or key fee
Garnishments/Levies$50

Other Fees

Black & White Photocopies$0.25
per item
Faxing (incoming and outgoing)$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee	$3	per month	None
Account Research or Balancing	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Printed Statement Fee	$2	Not stated	None
Overdraft & NSF
Overdraft charge	$25	per item	None
NSF / Returned Item	$25	per item	None
Overdraft Daily Cap	$125	per day	Maximum overdraft charges per day
ATM & Card
Debit Card Balance or Transaction History Inquiry at ATM	$0.50	per item	None
Replace Debit Card	$10	Not stated	None
Wire Transfers
Wire Transfer (outgoing - domestic)	$20	Not stated	None
Wire Transfer (incoming)	$10	Not stated	None
Wire Transfer (outgoing - international)	$50	Not stated	None
Check Services
Bank Money Order	$5	per item	None
Personal Money Order	$2	per item	None
Stop Payment - all items	$15	per item	None
Stop Payment - lost checkbook	$30	Not stated	None
Counter Checks	$0.25	per item	None
Check Copies	$1	per item	None
Digital & Electronic
Overnight Bill Pay Check	$14.95	Not stated	None
Same Day Bill Pay	$9.95	Not stated	None
Cash & Deposit
Deposited Checks (and other items) Returned Unpaid	$5	per item	None
Account Services
Notary Services	$2	Not stated	None
Lost Safe Deposit Box Key	$30Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Late Fee	$10Not compared: Box drilling or key fee	Not stated	None
Garnishments/Levies	$50	Not stated	None
Other Fees
Black & White Photocopies	$0.25	per item	None
Faxing (incoming and outgoing)	$1	per item	None

Correct a fee source

Nov 2, 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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