Union State Bank

Headquarters: Winterset, Iowa
Charter: Bank
Assets: $136.5M
Fed district: Chicago

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

Source: its fee schedule, read Oct 15, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Compared at $4, the middle of its prices
Union State Bank: $1 to $7
Union State Bank: $1 to $7
U.S. median: no median
Overdraft (OD)
Union State Bank: $29.95
Union State Bank: $29.95
U.S. median: no median
NSF / Returned Item
Union State Bank: $29.95
Union State Bank: $29.95
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 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 Union State Bank’s own schedules, with a source for each figure.

Account Maintenance

Free Checking Monthly service charge$1
per month
Monthly Maintenance$7
per month
Account Balancing Assistance - per hour$24.95
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$49.95
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft / Nonsufficient Funds$29.95
Overdraft / Nonsufficient Funds$29.95
Automatic Overdraft Transfer$9.95

ATM & Card

Replacement Card$10
Shazam Debit Card RUSH$100

Check Services

Cashier's Check$12
Money Order$5
Not compared: Annual charge, not per item
per year
Stop Payment$29.95
Counter Checks - Five$5
Not compared: Daily charge, not per item
per day
Check Cashing - Non client$25
Collection Items$25.95
Foreign Check Processing$37.95

Digital & Electronic

Personal ACH Origination$4.95
Not compared: Annual charge, not per item
per year

Account Services

Both Keys Lost Cost of drilling +$75
Not compared: Box drilling or key fee
Late Payment Per Month - after 30 days$5
Not compared: Monthly charge, not annual
per month
Lost Key Replacement$40
Not compared: Box drilling or key fee
per year
Safe Deposit Box 3 x 10 - Annual Fee (audience not stated, treated as personal)$34.95
per year
Safe Deposit Box 3 x 5 - Annual Fee (audience not stated, treated as personal)$29.95
per year
Safe Deposit Box 5 x 10 - Annual Fee (audience not stated, treated as personal)$44.95
per year
Safe Deposit Box 5 x 5 - Annual Fee (audience not stated, treated as personal)$39.95
per year
Garnishment / Levy$94.95
Not compared: Monthly charge, not per item
per month

Retirement & IRA

IRA External Transfer$39.95
Not compared: Annual charge, not per item
per year

Gift & Prepaid Cards

VISA Gift Card$9
Not compared: Monthly charge, not per item
per month

Other Fees

Duplicate Statement$5.95
Not compared: Annual charge, not per item
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

Account Maintenance

Monthly Maintenance$7
per month
Account Balancing Assistance - per hour$24.95
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$49.95
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft / Nonsufficient Funds$29.95
Overdraft / Nonsufficient Funds$29.95
Business Continuous Overdraft Daily Fee$11.95
per day
Automatic Overdraft Transfer$9.95

ATM & Card

Replacement Card$10
Shazam Debit Card RUSH$100

Check Services

Cashier's Check$12
Money Order$5
Not compared: Annual charge, not per item
per year
Stop Payment$29.95
Counter Checks - Five$5
Not compared: Daily charge, not per item
per day
Check Cashing - Non client$25
Collection Items$25.95
Foreign Check Processing$37.95

Account Services

Both Keys Lost Cost of drilling +$75
Not compared: Box drilling or key fee
Late Payment Per Month - after 30 days$5
Not compared: Monthly charge, not annual
per month
Lost Key Replacement$40
Not compared: Box drilling or key fee
per year
Garnishment / Levy$94.95
Not compared: Monthly charge, not per item
per month

Retirement & IRA

IRA External Transfer$39.95
Not compared: Annual charge, not per item
per year

Gift & Prepaid Cards

VISA Gift Card$9
Not compared: Monthly charge, not per item
per month

Other Fees

Duplicate Statement$5.95
Not compared: Annual charge, not per item
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

Correct a fee source

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.

Fee change alerts

Get an email when Union State Bank's early account closure changes in our data

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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 $4, the middle of its prices
Union State Bank: $1 to $7
Union State Bank: $1 to $7
U.S. median: no median
Overdraft (OD)
Union State Bank: $29.95
Union State Bank: $29.95
U.S. median: no median
NSF / Returned Item
Union State Bank: $29.95
Union State Bank: $29.95
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 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.

Published fee schedule

Amounts from Union State Bank’s own schedules, with a source for each figure.

Account Maintenance

Free Checking Monthly service charge$1
per month
Monthly Maintenance$7
per month
Account Balancing Assistance - per hour$24.95
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$49.95
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft / Nonsufficient Funds$29.95
Overdraft / Nonsufficient Funds$29.95
Automatic Overdraft Transfer$9.95

ATM & Card

Replacement Card$10
Shazam Debit Card RUSH$100

Check Services

Cashier's Check$12
Money Order$5
Not compared: Annual charge, not per item
per year
Stop Payment$29.95
Counter Checks - Five$5
Not compared: Daily charge, not per item
per day
Check Cashing - Non client$25
Collection Items$25.95
Foreign Check Processing$37.95

Digital & Electronic

Personal ACH Origination$4.95
Not compared: Annual charge, not per item
per year

Account Services

Both Keys Lost Cost of drilling +$75
Not compared: Box drilling or key fee
Late Payment Per Month - after 30 days$5
Not compared: Monthly charge, not annual
per month
Lost Key Replacement$40
Not compared: Box drilling or key fee
per year
Safe Deposit Box 3 x 10 - Annual Fee (audience not stated, treated as personal)$34.95
per year
Safe Deposit Box 3 x 5 - Annual Fee (audience not stated, treated as personal)$29.95
per year
Safe Deposit Box 5 x 10 - Annual Fee (audience not stated, treated as personal)$44.95
per year
Safe Deposit Box 5 x 5 - Annual Fee (audience not stated, treated as personal)$39.95
per year
Garnishment / Levy$94.95
Not compared: Monthly charge, not per item
per month

Retirement & IRA

IRA External Transfer$39.95
Not compared: Annual charge, not per item
per year

Gift & Prepaid Cards

VISA Gift Card$9
Not compared: Monthly charge, not per item
per month

Other Fees

Duplicate Statement$5.95
Not compared: Annual charge, not per item
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

Account Maintenance

Monthly Maintenance$7
per month
Account Balancing Assistance - per hour$24.95
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$49.95
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft / Nonsufficient Funds$29.95
Overdraft / Nonsufficient Funds$29.95
Business Continuous Overdraft Daily Fee$11.95
per day
Automatic Overdraft Transfer$9.95

ATM & Card

Replacement Card$10
Shazam Debit Card RUSH$100

Check Services

Cashier's Check$12
Money Order$5
Not compared: Annual charge, not per item
per year
Stop Payment$29.95
Counter Checks - Five$5
Not compared: Daily charge, not per item
per day
Check Cashing - Non client$25
Collection Items$25.95
Foreign Check Processing$37.95

Account Services

Both Keys Lost Cost of drilling +$75
Not compared: Box drilling or key fee
Late Payment Per Month - after 30 days$5
Not compared: Monthly charge, not annual
per month
Lost Key Replacement$40
Not compared: Box drilling or key fee
per year
Garnishment / Levy$94.95
Not compared: Monthly charge, not per item
per month

Retirement & IRA

IRA External Transfer$39.95
Not compared: Annual charge, not per item
per year

Gift & Prepaid Cards

VISA Gift Card$9
Not compared: Monthly charge, not per item
per month

Other Fees

Duplicate Statement$5.95
Not compared: Annual charge, not per item
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

Correct a fee source

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.