16 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 20, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
Stop Payment
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland 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.
Warsaw Federal Savings and Loan Association · $109M 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 |
|---|---|---|---|---|---|---|---|
| Warsaw Federal Savings and Loan Association(this institution) | Cincinnati, OH | $109M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Auburn Savings Bank, FSB | Auburn, ME | $103M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bank of Bozeman | Bozeman, MT | $108M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Erath | Erath, LA | $105M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community Bank Owatonna | Owatonna, MN | $103M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Covington County Bank | Collins, MS | $109M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Farmers and Mechanics Federal Savings Bank | Bloomfield, IN | $114M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Mutual Bank, FSB | Belpre, OH | $110M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank | Heavener, OK | $113M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank of Kansas | Burlington, KS | $106M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First State Bank Minnesota | Le Roy, MN | $106M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First State Bank of Le Center | Le Center, MN | $110M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Gunnison Savings and Loan Association | Gunnison, CO | $102M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Monroe Savings Bank | Williamstown, NJ | $114M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Platte Valley Bank | North Bend, NE | $107M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Richland County Bank | Richland Center, WI | $114M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rushford State Bank (Incorporated) | Rushford, MN | $115M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bank of Magnolia Company | Magnolia, OH | $108M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| The Exchange State Bank of St. Paul, Kansas | Saint Paul, KS | $105M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The First State Bank of Healy | Healy, KS | $109M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Lytle State Bank of Lytle, Texas | Lytle, TX | $115M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Peoples Bank | Sardis, TN | $113M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Peoples Bank | Willacoochee, GA | $109M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Peoples Savings and Loan Company | West Liberty, OH | $110M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Sherwood State Bank | Sherwood, OH | $108M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| White State Bank | South English, IA | $109M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | 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 $7, the middle of its two prices, against a peer median of $6.75 among 16 publishing peers.
Its two checking prices are $7 and $7.
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 Warsaw Federal Savings and Loan Association’s own schedules, with a source for each figure.
per month · waived if daily balance is at least $1,500
per month · waived if daily balance is at least $1,500
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $7 | per month | waived if daily balance is at least $1,500 |
| Preferred Interest Checking Monthly fee | $7 | per month | waived if daily balance is at least $1,500 |
| Dormancy Fee | $5 | per month | None |
| Account Reconciliation | $15 | Not stated | None |
| Undeliverable Mail (after two items returned) | $5 | Not stated | None |
| Excessive Transaction Fee (per item) | $3 | per item | None |
Overdraft & NSF | |||
| Non-sufficient funds (NSF) or Overdraft (OD) per item | $30 | per item | None |
| Sustained Overdraft (after 7 business days) | $5 | Not stated | None |
ATM & Card | |||
| Debit Card Replacement | $5 | Not stated | None |
| Cross-Border Fee | 0.9% | Not stated | None |
| Currency Conversion Fee | 0.2%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer Incoming (domestic or foreign) | $10 | Not stated | None |
Check Services | |||
| Official Check | $3 | Not stated | None |
| Check Stop Payment | $30 | Not stated | None |
| Stop Payment | $30 | Not stated | None |
| Counter Checks | $0.50 | Not stated | None |
| Check Cashing (non-customer) | $5 | Not stated | None |
| Check Copy | $3 | Not stated | None |
Account Services | |||
| Notary Fee | $1.50 | Not stated | None |
| Legal Process (e.g. IRS, levy, garnishment) | $30 | Not stated | None |
Other Fees | |||
| Duplicate Statement Fee (1098, 1099, or 5498) | $5 | Not stated | None |
| Photocopy | $0.25Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copy | $5 | Not stated | None |
| Fee | Amount | Basis | Note |
|---|---|---|---|
Wire Transfers | |||
| Wire outgoing | $20 | Not stated | None |
| Wire incoming | $10Not compared: Monthly charge, not per item | per month | None |
| Wire outgoing foreign | $40 | Not stated | None |
Digital & Electronic | |||
| ACH origination item | $0.10 | per item | None |
| ACH return items | $10 | Not stated | None |
Cash & Deposit | |||
| Returned deposit item | $10 | Not stated | None |
| Returned deposit item (redeposit) | $5 | Not stated | None |
Oct 20, 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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