20 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 28, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Non-Network ATM
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Kentucky, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Independence Bank of Kentucky · $3.8B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Independence Bank of Kentucky(this institution) | Owensboro, KY | $3.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of the Sierra | Porterville, CA | $3.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of Utah | Ogden, UT | $3.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capital Bank, National Association | Rockville, MD | $3.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Central Bank & Trust Co. | Lexington, KY | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Colony Bank | Fitzgerald, GA | $3.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Commercial Bank of California | Irvine, CA | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cornerstone Capital Bank, SSB | Houston, TX | $3.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Bank | Hamilton, NJ | $4.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Community Bank | Batesville, AR | $3.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Community Bank | Bluefield, VA | $3.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Guaranty Bank | Hammond, LA | $3.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First PREMIER Bank | Sioux Falls, SD | $3.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Frandsen Bank & Trust | Lonsdale, MN | $3.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Gate City Bank | Fargo, ND | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gulf Coast Bank and Trust Company | New Orleans, LA | $3.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Home Bank, National Association | Lafayette, LA | $3.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Manasquan Bank | Manasquan, NJ | $3.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pinnacle Bank | Elberton, GA | $4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| RCB Bank | Claremore, OK | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| River Bank & Trust | Prattville, AL | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Security Bank of Kansas City | Kansas City, KS | $3.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Spencer Savings Bank, SLA | Elmwood Park, NJ | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Union Savings Bank | Cincinnati, OH | $4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| West Bank | West Des Moines, IA | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Woori America Bank | New York, NY | $4.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8.48 among 17 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Independence Bank of Kentucky does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Amounts from Independence Bank of Kentucky’s own schedules, with a source for each figure.
per hour
per hour
per year
per year
per year
per page · | Concierge Fax Sent for Customer<br>(per page) | $5.00 |
per page · | Concierge Photo Copies Made for Customer<br>(per page) | $1.00 |
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closed within 90 Days of Opening | $50 | Not stated | None |
| Dormant Account Fee | $5 | Not stated | None |
| Escheatment | $100 | Not stated | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Reconcile Statement | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail per mail item returned to the Bank - after 1st item | $5 | Not stated | None |
| Mailed paper Statement | $2 | Not stated | None |
Overdraft & NSF | |||
| Overdraft This fee is imposed per item presented, that is PAID which overdrafts the checking account | $35 | per item | None |
| Nonsufficient Funds (NSF) This fee is imposed per item presented, that is RETURNED on the checking account, even if it i | $35 | per item | None |
ATM & Card | |||
| Off-Premise ATM Fee<br>(per withdrawal) | $1.50 | per item | None |
| Reissue Visa Debit Card | $10 | Not stated | None |
Wire Transfers | |||
| ### Wire Transfer Fees: Domestic | $25 | Not stated | None |
| ### Wire Transfer Fees: Domestic | $10 | Not stated | None |
| Incoming Wire Transfer: Domestic | $10 | Not stated | None |
| ### Wire Transfer Fees: Foreign | $50 | Not stated | None |
| ### Wire Transfer Fees: Foreign | $20 | Not stated | None |
| Incoming Wire Transfer: Foreign | $20 | Not stated | None |
Check Services | |||
| Cashier's Check | $5 | Not stated | None |
| Stop Payment | $35 | Not stated | None |
| Temporary Checks (4 per page) | $2 | per item | None |
| Collection Item outgoing and incoming | $25 | Not stated | None |
Cash & Deposit | |||
| Chargeback (Returned Deposited Item) | $10 | Not stated | None |
Account Services | |||
| 3 x 9, 4 x 6, and 5 x5 | $35 | per year | None |
| 4 x 10 and 5 x 10 | $50 | per year | None |
| 8 x 9 and 10 x 10 | $75 | per year | None |
| Lost safe deposit box key | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 2 x 5 | $20 | Not stated | None |
| Safe Deposit Box 3 x 10 | $40 | Not stated | None |
| Safe Deposit Box 3 x 5 | $30 | Not stated | None |
| Safe Deposit Box Drilling | $150Not compared: Box drilling or key fee | Not stated | None |
| Safe deposit late payment fee | $10Not compared: Box drilling or key fee | Not stated | None |
| Processing Levy or Garnishment | $75 | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $3 | Not stated | None |
Other Fees | |||
| Concierge Fax Sent for Customer<br>(per page) | $5Not compared: Charged per page; comparison unavailable | per page | | Concierge Fax Sent for Customer<br>(per page) | $5.00 | |
| Concierge Photo Copies Made for Customer<br>(per page) | $1Not compared: Charged per page; comparison unavailable | per page | | Concierge Photo Copies Made for Customer<br>(per page) | $1.00 | |
Oct 28, 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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