Federated Bank

Headquarters: Onarga, Illinois
Charter: Bank
Assets: $140.1M
Fed district: Chicago

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

Source: its fee schedule, read Oct 10, 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 $5, the middle of its prices
Federated Bank: $0 to $10
Federated Bank: $0 to $10
U.S. median: no median
Wire Transfer (Domestic Out)
Federated Bank: $30
Federated Bank: $30
U.S. median: no median
Wire Transfer (Int'l Out)
Federated Bank: $60
Federated Bank: $60
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

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

Account Maintenance

Monthly service charge (audience not stated, treated as personal)No charge
per month
Regular Checking Account Monthly service charge$5
per month
Service charge$10
per month
Savings Monthly Service Charge (if balance falls below $100.00)$5
per month
Any account closed within 90 days of opening$20
Checking Account Inactivity Account Fee (inactive account for more than 90 days)$10
per month
Savings Account Inactivity Account Fee (inactive account for more than 365 days)$10
per month
Account Balancing Assistance$30
Not compared: Charged per hour; comparison unavailable
per hour
Account Research & Reconciliation$30
Not compared: Charged per hour; comparison unavailable
per hour
Returned/Forwarded Mail with Address Correction$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Savings Account Overdraft Transfer$15
per item

ATM & Card

Debit Card Replacement$25
Debit Card Replacement Fee$15

Wire Transfers

Wire Transfer Fees: Outgoing (Domestic)$30
Wire Transfer Fees: Incoming (Domestic)$12
Wire Transfer Fees: Outgoing (International)$60
Incoming (International)$30

Check Services

Cashier’s Check Customers$5
Temporary Checks$5
Collection Items (including Foreign Items)$20
Check Copy$2

Cash & Deposit

Returned Deposit Item Fee$5
per item

Account Services

Notary Service (non-customers)$3
Drilling Fee$200
Not compared: Box drilling or key fee
Lost Key Fee$40
Not compared: Box drilling or key fee
Legal Process which affect your account (i.e., Garnishments, Levy, Citations, or other)$90
Account Verification$20
Verification of Deposit$10

Retirement & IRA

IRA/HSA Transfer and/or Closing Fee$50

Other Fees

Photocopies$0.35

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge (audience not stated, treated as personal)	No charge	per month	None
Regular Checking Account Monthly service charge	$5	per month	None
Service charge	$10	per month	None
Savings Monthly Service Charge (if balance falls below $100.00)	$5	per month	None
Any account closed within 90 days of opening	$20	Not stated	None
Checking Account Inactivity Account Fee (inactive account for more than 90 days)	$10	per month	None
Savings Account Inactivity Account Fee (inactive account for more than 365 days)	$10	per month	None
Account Balancing Assistance	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research & Reconciliation	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Returned/Forwarded Mail with Address Correction	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Savings Account Overdraft Transfer	$15	per item	None
ATM & Card
Debit Card Replacement	$25	Not stated	None
Debit Card Replacement Fee	$15	Not stated	None
Wire Transfers
Wire Transfer Fees: Outgoing (Domestic)	$30	Not stated	None
Wire Transfer Fees: Incoming (Domestic)	$12	Not stated	None
Wire Transfer Fees: Outgoing (International)	$60	Not stated	None
Incoming (International)	$30	Not stated	None
Check Services
Cashier’s Check Customers	$5	Not stated	None
Temporary Checks	$5	Not stated	None
Collection Items (including Foreign Items)	$20	Not stated	None
Check Copy	$2	Not stated	None
Cash & Deposit
Returned Deposit Item Fee	$5	per item	None
Account Services
Notary Service (non-customers)	$3	Not stated	None
Drilling Fee	$200Not compared: Box drilling or key fee	Not stated	None
Lost Key Fee	$40Not compared: Box drilling or key fee	Not stated	None
Legal Process which affect your account (i.e., Garnishments, Levy, Citations, or other)	$90	Not stated	None
Account Verification	$20	Not stated	None
Verification of Deposit	$10	Not stated	None
Retirement & IRA
IRA/HSA Transfer and/or Closing Fee	$50	Not stated	None
Other Fees
Photocopies	$0.35	Not stated	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 10, 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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