11 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 15, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $4, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Union State Bank · $136M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Union State Bank(this institution) | Winterset, IA | $136M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| 1st Equity Bank | Skokie, IL | $130M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Halls | Halls, TN | $135M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank Plus | Estherville, IA | $145M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bridge Community Bank | Mount Vernon, IA | $141M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Clay County Bank, Inc. | Clay, WV | $136M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community Bank of Pleasant Hill | Pleasant Hill, MO | $133M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Conservation First Bank | Benton, WI | $127M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Federated Bank | Onarga, IL | $140M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First State Bank | Belmond, IA | $142M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| FNB Coweta | Coweta, OK | $128M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Marion State Bank | Marion, TX | $142M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| River Falls State Bank | River Falls, WI | $143M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Security First National Bank of Hugo | Hugo, OK | $138M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Security State Bank | Iron River, WI | $136M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Stoughton Co-operative Bank | Stoughton, MA | $135M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank in Cimarron | Cimarron, KS | $143M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Aspermont | Aspermont, TX | $134M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First National Bank of Ely | Ely, NV | $133M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First National Bank of Moose Lake | Moose Lake, MN | $134M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Miners State Bank | Iron River, MI | $135M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Peoples Bank | Taylorsville, KY | $145M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Stockgrowers State Bank | Maple Hill, KS | $128M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Twin Valley Bank | West Alexandria, OH | $138M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Vermilion Bank & Trust Company | Kaplan, LA | $145M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| West Plains Bank | Ainsworth, NE | $139M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $4, the middle of its two prices, against a peer median of $7.73 among 16 publishing peers.
Its two checking prices are $1 and $7.
$4 is a comparison price, not a fee anyone is charged.
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 4, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026. Total assets from FDIC and NCUA records.
Amounts from Union State Bank’s own schedules, with a source for each figure.
per year
per month
per year
per year
per year
per year
per year
per month
per year
per month
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Free Checking Monthly service charge | $1 | per month | None |
| Monthly Maintenance | $7 | per month | None |
| Account Balancing Assistance - per hour | $24.95Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $49.95Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft / Nonsufficient Funds | $29.95 | Not stated | None |
| Overdraft / Nonsufficient Funds | $29.95 | Not stated | None |
| Automatic Overdraft Transfer | $9.95 | Not stated | None |
ATM & Card | |||
| Replacement Card | $10 | Not stated | None |
| Shazam Debit Card RUSH | $100 | Not stated | None |
Check Services | |||
| Cashier's Check | $12 | Not stated | None |
| Money Order | $5Not compared: Annual charge, not per item | per year | None |
| Stop Payment | $29.95 | Not stated | None |
| Counter Checks - Five | $5Not compared: Daily charge, not per item | per day | None |
| Check Cashing - Non client | $25 | Not stated | None |
| Collection Items | $25.95 | Not stated | None |
| Foreign Check Processing | $37.95 | Not stated | None |
Digital & Electronic | |||
| Personal ACH Origination | $4.95Not compared: Annual charge, not per item | per year | None |
Account Services | |||
| Both Keys Lost Cost of drilling + | $75Not compared: Box drilling or key fee | Not stated | None |
| Late Payment Per Month - after 30 days | $5Not compared: Monthly charge, not annual | per month | None |
| Lost Key Replacement | $40Not compared: Box drilling or key fee | per year | None |
| Safe Deposit Box 3 x 10 - Annual Fee (audience not stated, treated as personal) | $34.95 | per year | None |
| Safe Deposit Box 3 x 5 - Annual Fee (audience not stated, treated as personal) | $29.95 | per year | None |
| Safe Deposit Box 5 x 10 - Annual Fee (audience not stated, treated as personal) | $44.95 | per year | None |
| Safe Deposit Box 5 x 5 - Annual Fee (audience not stated, treated as personal) | $39.95 | per year | None |
| Garnishment / Levy | $94.95Not compared: Monthly charge, not per item | per month | None |
Retirement & IRA | |||
| IRA External Transfer | $39.95Not compared: Annual charge, not per item | per year | None |
Gift & Prepaid Cards | |||
| VISA Gift Card | $9Not compared: Monthly charge, not per item | per month | None |
Other Fees | |||
| Duplicate Statement | $5.95Not compared: Annual charge, not per item | per year | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
per month
per year
per month
per year
per month
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance | $7 | per month | None |
| Account Balancing Assistance - per hour | $24.95Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $49.95Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft / Nonsufficient Funds | $29.95 | Not stated | None |
| Overdraft / Nonsufficient Funds | $29.95 | Not stated | None |
| Business Continuous Overdraft Daily Fee | $11.95 | per day | None |
| Automatic Overdraft Transfer | $9.95 | Not stated | None |
ATM & Card | |||
| Replacement Card | $10 | Not stated | None |
| Shazam Debit Card RUSH | $100 | Not stated | None |
Check Services | |||
| Cashier's Check | $12 | Not stated | None |
| Money Order | $5Not compared: Annual charge, not per item | per year | None |
| Stop Payment | $29.95 | Not stated | None |
| Counter Checks - Five | $5Not compared: Daily charge, not per item | per day | None |
| Check Cashing - Non client | $25 | Not stated | None |
| Collection Items | $25.95 | Not stated | None |
| Foreign Check Processing | $37.95 | Not stated | None |
Account Services | |||
| Both Keys Lost Cost of drilling + | $75Not compared: Box drilling or key fee | Not stated | None |
| Late Payment Per Month - after 30 days | $5Not compared: Monthly charge, not annual | per month | None |
| Lost Key Replacement | $40Not compared: Box drilling or key fee | per year | None |
| Garnishment / Levy | $94.95Not compared: Monthly charge, not per item | per month | None |
Retirement & IRA | |||
| IRA External Transfer | $39.95Not compared: Annual charge, not per item | per year | None |
Gift & Prepaid Cards | |||
| VISA Gift Card | $9Not compared: Monthly charge, not per item | per month | None |
Other Fees | |||
| Duplicate Statement | $5.95Not compared: Annual charge, not per item | per year | None |
Oct 15, 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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