16 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 16, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Wisconsin, the Minneapolis 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.
Amounts from Headwaters State Bank’s own schedules, with a source for each figure.
per item
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Close Fee (within 90 days) | $15 | Not stated | None |
| Account Research: minimum | $20 | Not stated | None |
Overdraft & NSF | |||
| Overdraft Transfer Fee | $5 | Not stated | None |
ATM & Card | |||
| Debit Card Replacement | $5 | Not stated | None |
Wire Transfers | |||
| Wire Transfers - Out: Domestic | $25 | Not stated | None |
| Wire Transfers - Out: Foreign | $50 | Not stated | None |
Check Services | |||
| Cashiers Check | $5 | Not stated | None |
| Money Order | $2 | Not stated | None |
| Stop Payment/Indemnification | $25 | Not stated | None |
| Temporary Checks (4 checks per page) | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Check cashing fee for savings accounts | $5 | per transaction | None |
Digital & Electronic | |||
| Bill Pay Charitable Contribution service charge | $1.99 | Not stated | None |
| Bill Pay Gift Card/Check service charge | $2.99Not compared: Per-item charge, not monthly | per item | None |
| Bill Pay Monthly inactivity service charge (if not used once in three months) | $5 | per month | None |
| Bill Pay Next Day Check Rush Payment | $34.95 | Not stated | None |
| Bill Pay Second Day Check Rush Payment | $29.95 | Not stated | None |
| Bill Pay Second Day Electronic Rush Payment | $6.95Not compared: Per-occurrence charge, not monthly | per item | None |
Account Services | |||
| Notary Service: Customer (audience not stated, treated as personal) | No charge | Not stated | None |
| Lock Drilling Fee | $400Not compared: Box drilling or key fee | Not stated | None |
| Lost Key (1) | $15Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 | $80 | Not stated | None |
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $80 | Not stated | None |
| Safe Deposit Box 2 x 5 | $20 | Not stated | None |
| Safe Deposit Box 2 x 5 (audience not stated, treated as personal) | $20 | Not stated | None |
| Safe Deposit Box 3 x 10 | $40 | Not stated | None |
| Safe Deposit Box 3 x 10 (audience not stated, treated as personal) | $40 | Not stated | None |
| Safe Deposit Box 5 x 10 | $50 | Not stated | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $50 | Not stated | None |
| Safe Deposit Box 5 x 5 | $25 | Not stated | None |
| Safe Deposit Box 5 x 5 (audience not stated, treated as personal) | $25 | Not stated | None |
| Safe Deposit Box 6" x 11" (audience not stated, treated as personal) | $5 | Not stated | None |
| Garnishments, Levies, Legal Attachment | $50 | Not stated | None |
Retirement & IRA | |||
| Full IRA Closing Fee | $50 | Not stated | None |
Other Fees | |||
| Copies of tax reporting documents 1098, 1099, 1099-SA, 1099R, 5498 & 5498-SA FMV (Fair Market Value) | $5 | Not stated | None |
| Duplicate Statement | $5 | Not stated | None |
| Fax Incoming or Outgoing Non-Customer -Per Page | $1 | per item | 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 item
per month
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Close Fee (within 90 days) | $15 | Not stated | None |
| Account Research: minimum | $20 | Not stated | None |
Overdraft & NSF | |||
| Overdraft Transfer Fee | $5 | Not stated | None |
ATM & Card | |||
| Debit Card Replacement | $5 | Not stated | None |
Wire Transfers | |||
| Wire Transfers - Out: Domestic | $25 | Not stated | None |
| Wire Transfers - Out: Foreign | $50 | Not stated | None |
Check Services | |||
| Cashiers Check | $5 | Not stated | None |
| Money Order | $2 | Not stated | None |
| Stop Payment/Indemnification | $25 | Not stated | None |
| Temporary Checks (4 checks per page) | $1Not compared: Charged per page; comparison unavailable | per page | None |
Digital & Electronic | |||
| Bill Pay Charitable Contribution service charge | $1.99 | Not stated | None |
| Bill Pay Gift Card/Check service charge | $2.99Not compared: Per-item charge, not monthly | per item | None |
| Bill Pay Monthly inactivity service charge (if not used once in three months) | $5 | per month | None |
| Bill Pay Next Day Check Rush Payment | $34.95 | Not stated | None |
| Bill Pay Second Day Check Rush Payment | $29.95 | Not stated | None |
| Bill Pay Second Day Electronic Rush Payment | $6.95Not compared: Per-occurrence charge, not monthly | per item | None |
| Total Business BillPay-e™ (Can initiate payments, pay employees and invoice customers) | $15 | per month | None |
Account Services | |||
| Lock Drilling Fee | $400Not compared: Box drilling or key fee | Not stated | None |
| Lost Key (1) | $15Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 | $80 | 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 5 x 10 | $50 | Not stated | None |
| Safe Deposit Box 5 x 5 | $25 | Not stated | None |
| Garnishments, Levies, Legal Attachment | $50 | Not stated | None |
Retirement & IRA | |||
| Full IRA Closing Fee | $50 | Not stated | None |
Other Fees | |||
| Copies of tax reporting documents 1098, 1099, 1099-SA, 1099R, 5498 & 5498-SA FMV (Fair Market Value) | $5 | Not stated | None |
| Duplicate Statement | $5 | Not stated | None |
| Fax Incoming or Outgoing Non-Customer -Per Page | $1 | per item | None |
Oct 16, 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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