Conservation First Bank

Headquarters: Benton, Wisconsin
Charter: Bank
Assets: $127.5M
Fed district: Chicago

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

Source: its fee schedule, read Oct 9, 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
Guardian Checking $5 · Guardian Checking+ $5 · Steward Checking $10 · Steward Checking*+ $10
Compared at $7.50, the middle of its prices
Conservation First Bank: $5 to $10
Conservation First Bank: $5 to $10
U.S. median: no median
Stop Payment
Conservation First Bank: $30
Conservation First Bank: $30
U.S. median: no median
Paper Statement
Conservation First Bank: $5
Conservation First Bank: $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Wisconsin, 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).
Wisconsin: Banks and credit unions headquartered in Wisconsin 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from Conservation First Bank’s own schedules, with a source for each figure.

Account Maintenance

Guardian Checking+ Monthly service charge$5
per month
Monthly service charge (Guardian Checking)$5
per month · A $5 monthly service charge applies if the average balance falls below $1,000 during the statement cycle
Monthly service charge (Steward Checking)$10
per month · A $10 monthly service charge applies if the average balance falls below $10,000 during the statement cycle
Steward Checking+ Monthly service charge$10
per month
Dormant Account fee (audience not stated, treated as personal)$5
Dormant Account Fee (one time charge each time an account goes dormant)$5
per item
Account Balancing/Research/Reconcilement:Collection Fees:Indemnity Bonds (audience not stated, treated as personal)$30
Paper Statements Mailed$5
Return Mail due to insufficient address fee$5

Overdraft & NSF

Continuous Daily OD Charge - Consumer Accounts$10
per day
PaidContinuous Daily OD Charge - Consumer Accounts$20
per day

ATM & Card

Debit Card or PIN Replacement (customer error)$25

Check Services

Money Orders (Only up to .)$5
per item
Check Printing (audience not stated, treated as personal)$10
Hold on Checking account (lost checkbook)$30
Stop Payment Order$30
Counter Checks$5
Check Cashing (non-customer)$15

Cash & Deposit

Coin Counter Fee (non-customer)10%

Account Services

Cashier’s ChecksSafe Deposit Box Rent:Safe Deposit Box late payment fee (audience not stated, treated as personal)$10
Not compared: Box drilling or key fee
Lost Safe Deposit Box Key$50
Not compared: Box drilling or key fee
Safe Deposit Box 5” x 5.5”$22
Safe Deposit Box 5” x 5.5” (audience not stated, treated as personal)$22
Safe Deposit Box Drilling$200
Not compared: Box drilling or key fee
Safe Deposit Box late payment fee$10
Not compared: Monthly charge, not annual
per month
Safe Deposit Box Rental (Rents are payable each year on May 15th)$20
per item

Fee	Amount	Basis	Note
Account Maintenance
Guardian Checking+ Monthly service charge	$5	per month	None
Monthly service charge (Guardian Checking)	$5	per month	A $5 monthly service charge applies if the average balance falls below $1,000 during the statement cycle
Monthly service charge (Steward Checking)	$10	per month	A $10 monthly service charge applies if the average balance falls below $10,000 during the statement cycle
Steward Checking+ Monthly service charge	$10	per month	None
Dormant Account fee (audience not stated, treated as personal)	$5	Not stated	None
Dormant Account Fee (one time charge each time an account goes dormant)	$5	per item	None
Account Balancing/Research/Reconcilement:Collection Fees:Indemnity Bonds (audience not stated, treated as personal)	$30	Not stated	None
Paper Statements Mailed	$5	Not stated	None
Return Mail due to insufficient address fee	$5	Not stated	None
Overdraft & NSF
Continuous Daily OD Charge - Consumer Accounts	$10	per day	None
PaidContinuous Daily OD Charge - Consumer Accounts	$20	per day	None
ATM & Card
Debit Card or PIN Replacement (customer error)	$25	Not stated	None
Check Services
Money Orders (Only up to .)	$5	per item	None
Check Printing (audience not stated, treated as personal)	$10	Not stated	None
Hold on Checking account (lost checkbook)	$30	Not stated	None
Stop Payment Order	$30	Not stated	None
Counter Checks	$5	Not stated	None
Check Cashing (non-customer)	$15	Not stated	None
Cash & Deposit
Coin Counter Fee (non-customer)	10%	Not stated	None
Account Services
Cashier’s ChecksSafe Deposit Box Rent:Safe Deposit Box late payment fee (audience not stated, treated as personal)	$10Not compared: Box drilling or key fee	Not stated	None
Lost Safe Deposit Box Key	$50Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 5” x 5.5”	$22	Not stated	None
Safe Deposit Box 5” x 5.5” (audience not stated, treated as personal)	$22	Not stated	None
Safe Deposit Box Drilling	$200Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box late payment fee	$10Not compared: Monthly charge, not annual	per month	None
Safe Deposit Box Rental (Rents are payable each year on May 15th)	$20	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

Account Maintenance

Dormant Account Fee (one time charge each time an account goes dormant)$5
per item
Paper Statements Mailed$5
Return Mail due to insufficient address fee$5

Overdraft & NSF

Continuous Daily OD Charge - Business Accounts$20
per day
Continuous Daily OD Charge - Business AccountsMoney Orders (Only Up to $300)$5
per day

ATM & Card

Debit Card or PIN Replacement (customer error)$25

Check Services

Money Orders (Only up to .)$5
per item
Hold on Checking account (lost checkbook)$30
Stop Payment Order$30
Counter Checks$5
Check Cashing (non-customer)$15

Cash & Deposit

Coin Counter Fee (non-customer)10%

Account Services

Lost Safe Deposit Box Key$50
Not compared: Box drilling or key fee
Safe Deposit Box 5” x 5.5”$22
Safe Deposit Box Drilling$200
Not compared: Box drilling or key fee
Safe Deposit Box late payment fee$10
Not compared: Monthly charge, not annual
per month
Safe Deposit Box Rental (Rents are payable each year on May 15th)$20
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee (one time charge each time an account goes dormant)	$5	per item	None
Paper Statements Mailed	$5	Not stated	None
Return Mail due to insufficient address fee	$5	Not stated	None
Overdraft & NSF
Continuous Daily OD Charge - Business Accounts	$20	per day	None
Continuous Daily OD Charge - Business AccountsMoney Orders (Only Up to $300)	$5	per day	None
ATM & Card
Debit Card or PIN Replacement (customer error)	$25	Not stated	None
Check Services
Money Orders (Only up to .)	$5	per item	None
Hold on Checking account (lost checkbook)	$30	Not stated	None
Stop Payment Order	$30	Not stated	None
Counter Checks	$5	Not stated	None
Check Cashing (non-customer)	$15	Not stated	None
Cash & Deposit
Coin Counter Fee (non-customer)	10%	Not stated	None
Account Services
Lost Safe Deposit Box Key	$50Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 5” x 5.5”	$22	Not stated	None
Safe Deposit Box Drilling	$200Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box late payment fee	$10Not compared: Monthly charge, not annual	per month	None
Safe Deposit Box Rental (Rents are payable each year on May 15th)	$20	per item	None

Correct a fee source

Oct 9, 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 Conservation First Bank's foreign transaction changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Monthly Maintenance
Guardian Checking $5 · Guardian Checking+ $5 · Steward Checking $10 · Steward Checking*+ $10
Compared at $7.50, the middle of its prices
Conservation First Bank: $5 to $10
Conservation First Bank: $5 to $10
U.S. median: no median
Stop Payment
Conservation First Bank: $30
Conservation First Bank: $30
U.S. median: no median
Paper Statement
Conservation First Bank: $5
Conservation First Bank: $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

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

Account Maintenance

Guardian Checking+ Monthly service charge$5
per month
Monthly service charge (Guardian Checking)$5
per month · A $5 monthly service charge applies if the average balance falls below $1,000 during the statement cycle
Monthly service charge (Steward Checking)$10
per month · A $10 monthly service charge applies if the average balance falls below $10,000 during the statement cycle
Steward Checking+ Monthly service charge$10
per month
Dormant Account fee (audience not stated, treated as personal)$5
Dormant Account Fee (one time charge each time an account goes dormant)$5
per item
Account Balancing/Research/Reconcilement:Collection Fees:Indemnity Bonds (audience not stated, treated as personal)$30
Paper Statements Mailed$5
Return Mail due to insufficient address fee$5

Overdraft & NSF

Continuous Daily OD Charge - Consumer Accounts$10
per day
PaidContinuous Daily OD Charge - Consumer Accounts$20
per day

ATM & Card

Debit Card or PIN Replacement (customer error)$25

Check Services

Money Orders (Only up to .)$5
per item
Check Printing (audience not stated, treated as personal)$10
Hold on Checking account (lost checkbook)$30
Stop Payment Order$30
Counter Checks$5
Check Cashing (non-customer)$15

Cash & Deposit

Coin Counter Fee (non-customer)10%

Account Services

Cashier’s ChecksSafe Deposit Box Rent:Safe Deposit Box late payment fee (audience not stated, treated as personal)$10
Not compared: Box drilling or key fee
Lost Safe Deposit Box Key$50
Not compared: Box drilling or key fee
Safe Deposit Box 5” x 5.5”$22
Safe Deposit Box 5” x 5.5” (audience not stated, treated as personal)$22
Safe Deposit Box Drilling$200
Not compared: Box drilling or key fee
Safe Deposit Box late payment fee$10
Not compared: Monthly charge, not annual
per month
Safe Deposit Box Rental (Rents are payable each year on May 15th)$20
per item

Fee	Amount	Basis	Note
Account Maintenance
Guardian Checking+ Monthly service charge	$5	per month	None
Monthly service charge (Guardian Checking)	$5	per month	A $5 monthly service charge applies if the average balance falls below $1,000 during the statement cycle
Monthly service charge (Steward Checking)	$10	per month	A $10 monthly service charge applies if the average balance falls below $10,000 during the statement cycle
Steward Checking+ Monthly service charge	$10	per month	None
Dormant Account fee (audience not stated, treated as personal)	$5	Not stated	None
Dormant Account Fee (one time charge each time an account goes dormant)	$5	per item	None
Account Balancing/Research/Reconcilement:Collection Fees:Indemnity Bonds (audience not stated, treated as personal)	$30	Not stated	None
Paper Statements Mailed	$5	Not stated	None
Return Mail due to insufficient address fee	$5	Not stated	None
Overdraft & NSF
Continuous Daily OD Charge - Consumer Accounts	$10	per day	None
PaidContinuous Daily OD Charge - Consumer Accounts	$20	per day	None
ATM & Card
Debit Card or PIN Replacement (customer error)	$25	Not stated	None
Check Services
Money Orders (Only up to .)	$5	per item	None
Check Printing (audience not stated, treated as personal)	$10	Not stated	None
Hold on Checking account (lost checkbook)	$30	Not stated	None
Stop Payment Order	$30	Not stated	None
Counter Checks	$5	Not stated	None
Check Cashing (non-customer)	$15	Not stated	None
Cash & Deposit
Coin Counter Fee (non-customer)	10%	Not stated	None
Account Services
Cashier’s ChecksSafe Deposit Box Rent:Safe Deposit Box late payment fee (audience not stated, treated as personal)	$10Not compared: Box drilling or key fee	Not stated	None
Lost Safe Deposit Box Key	$50Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 5” x 5.5”	$22	Not stated	None
Safe Deposit Box 5” x 5.5” (audience not stated, treated as personal)	$22	Not stated	None
Safe Deposit Box Drilling	$200Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box late payment fee	$10Not compared: Monthly charge, not annual	per month	None
Safe Deposit Box Rental (Rents are payable each year on May 15th)	$20	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

Account Maintenance

Dormant Account Fee (one time charge each time an account goes dormant)$5
per item
Paper Statements Mailed$5
Return Mail due to insufficient address fee$5

Overdraft & NSF

Continuous Daily OD Charge - Business Accounts$20
per day
Continuous Daily OD Charge - Business AccountsMoney Orders (Only Up to $300)$5
per day

ATM & Card

Debit Card or PIN Replacement (customer error)$25

Check Services

Money Orders (Only up to .)$5
per item
Hold on Checking account (lost checkbook)$30
Stop Payment Order$30
Counter Checks$5
Check Cashing (non-customer)$15

Cash & Deposit

Coin Counter Fee (non-customer)10%

Account Services

Lost Safe Deposit Box Key$50
Not compared: Box drilling or key fee
Safe Deposit Box 5” x 5.5”$22
Safe Deposit Box Drilling$200
Not compared: Box drilling or key fee
Safe Deposit Box late payment fee$10
Not compared: Monthly charge, not annual
per month
Safe Deposit Box Rental (Rents are payable each year on May 15th)$20
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee (one time charge each time an account goes dormant)	$5	per item	None
Paper Statements Mailed	$5	Not stated	None
Return Mail due to insufficient address fee	$5	Not stated	None
Overdraft & NSF
Continuous Daily OD Charge - Business Accounts	$20	per day	None
Continuous Daily OD Charge - Business AccountsMoney Orders (Only Up to $300)	$5	per day	None
ATM & Card
Debit Card or PIN Replacement (customer error)	$25	Not stated	None
Check Services
Money Orders (Only up to .)	$5	per item	None
Hold on Checking account (lost checkbook)	$30	Not stated	None
Stop Payment Order	$30	Not stated	None
Counter Checks	$5	Not stated	None
Check Cashing (non-customer)	$15	Not stated	None
Cash & Deposit
Coin Counter Fee (non-customer)	10%	Not stated	None
Account Services
Lost Safe Deposit Box Key	$50Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 5” x 5.5”	$22	Not stated	None
Safe Deposit Box Drilling	$200Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box late payment fee	$10Not compared: Monthly charge, not annual	per month	None
Safe Deposit Box Rental (Rents are payable each year on May 15th)	$20	per item	None

Correct a fee source

Oct 9, 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.