Conservation First Bank

Headquarters: Benton, Wisconsin
Charter: Bank
Assets: $127.5M
Fed district: Chicago
Regulator: FDIC
Holding company: Bsb Community Bancorp Inc.

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.

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Among its peers

Conservation First Bank · $127M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Banks only
$119M to $135M in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Conservation First Bank(this institution)	Benton, WI	$127M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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
Bison State Bank	Bison, KS	$126M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Chester National Bank	Chester, IL	$126M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Citizens Bank of Rogersville	Rogersville, MO	$125M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Community Bank	Bristow, OK	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	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
Community Savings Bank	Bethel, OH	$120M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Connect Bank	Star City, AR	$124M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Dalhart Federal Savings & Loan Association, SSB	Dalhart, TX	$126M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Farmers & Merchants Bank of North Dakota	Tolna, ND	$120M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Flora Bank & Trust	Flora, IL	$126M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	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
Headwaters State Bank	Land O' Lakes, WI	$122M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Logan County Bank	Scranton, AR	$121M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Progressive National Bank	Mansfield, LA	$123M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
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 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 Hamilton Bank	Hamilton, MO	$120M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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 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
United Bank & Trust Co.	Marshalltown, IA	$120M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Woodsfield Savings Bank	Woodsfield, OH	$123M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $0.75 (11%) above the median of similar-sized banks.

Compared at $7.50, the middle of its four prices, against a peer median of $6.75 among 12 publishing peers.

Its four checking prices are $5, $5, $10 and $10.

$7.50 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

Conservation First Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer medianInclude $15 outlierShown past the axis break, not to scale, so the rest of the set has room.

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.

Among its peers

Conservation First Bank · $127M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Banks only
$119M to $135M in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Conservation First Bank(this institution)	Benton, WI	$127M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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
Bison State Bank	Bison, KS	$126M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Chester National Bank	Chester, IL	$126M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Citizens Bank of Rogersville	Rogersville, MO	$125M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Community Bank	Bristow, OK	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	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
Community Savings Bank	Bethel, OH	$120M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Connect Bank	Star City, AR	$124M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Dalhart Federal Savings & Loan Association, SSB	Dalhart, TX	$126M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Farmers & Merchants Bank of North Dakota	Tolna, ND	$120M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Flora Bank & Trust	Flora, IL	$126M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	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
Headwaters State Bank	Land O' Lakes, WI	$122M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Logan County Bank	Scranton, AR	$121M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Progressive National Bank	Mansfield, LA	$123M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
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 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 Hamilton Bank	Hamilton, MO	$120M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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 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
United Bank & Trust Co.	Marshalltown, IA	$120M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Woodsfield Savings Bank	Woodsfield, OH	$123M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $0.75 (11%) above the median of similar-sized banks.

Compared at $7.50, the middle of its four prices, against a peer median of $6.75 among 12 publishing peers.

Its four checking prices are $5, $5, $10 and $10.

$7.50 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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.