White State Bank

Headquarters: South English, Iowa
Charter: Bank
Assets: $109.0M
Fed district: Chicago

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

Source: its fee schedule, read Oct 22, 2026.

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Fees against the market

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

Monthly Maintenance
Regular Checking $4 · Basic Checking $5 · NOW Checking $5
Compared at $5, the middle of its prices
White State Bank: $4 to $5
White State Bank: $4 to $5
U.S. median: no median
Overdraft (OD)
White State Bank: $18
White State Bank: $18
U.S. median: no median
NSF / Returned Item
White State Bank: $18
White State Bank: $18
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 22, 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 White State Bank’s own schedules, with a source for each figure.

Account Maintenance

Basic Checking Maintenance Fees$5
per month
Maintenance Fees (Basic Checking) (audience not stated, treated as personal)$5
per month
Maintenance Fees (NOW Checking)$5
per month
Regular Checking Maintenance Fees$4
per month
Close Deposit Account ^ (Fee only applies to accounts closed within 60 days of opening)$25
Account Balancing Assistance (per hour, minimum of one hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research (per hour, minimum of one hour, plus copy charges)$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$2.50
Returned Mail$5

Overdraft & NSF

Overdraft Charge$18
Returned Check Charge$18

ATM & Card

Debit Card ATM Transaction Fee$0.25
Issue/Replace Card$20

Wire Transfers

Wire Transfer (outgoing)$15
Wire Transfer (incoming)$10

Check Services

Cashiers Check$6
Personal Money Order$3
Stop Payment (Check or EFT)$20
Counter Checks$0.50
Check Cashing Fee (non customer only, $2.00 minimum)$2
Foreign Check Deposit (each)$5
per item

Cash & Deposit

Deposited Checks Returned Unpaid$20

Account Services

Notary Service$10
Safe Deposit Box Key Replacement$30
Not compared: Box drilling or key fee
Garnishments or Levies$50

Retirement & IRA

IRA Transfer or Rollover$50

Other Fees

Fax (sending or receiving per page)$1
per item
Periodic Statement Reproduction (per statement)$5
Photocopies (per page)$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Basic Checking Maintenance Fees	$5	per month	None
Maintenance Fees (Basic Checking) (audience not stated, treated as personal)	$5	per month	None
Maintenance Fees (NOW Checking)	$5	per month	None
Regular Checking Maintenance Fees	$4	per month	None
Close Deposit Account ^ (Fee only applies to accounts closed within 60 days of opening)	$25	Not stated	None
Account Balancing Assistance (per hour, minimum of one hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research (per hour, minimum of one hour, plus copy charges)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$2.50	Not stated	None
Returned Mail	$5	Not stated	None
Overdraft & NSF
Overdraft Charge	$18	Not stated	None
Returned Check Charge	$18	Not stated	None
ATM & Card
Debit Card ATM Transaction Fee	$0.25	Not stated	None
Issue/Replace Card	$20	Not stated	None
Wire Transfers
Wire Transfer (outgoing)	$15	Not stated	None
Wire Transfer (incoming)	$10	Not stated	None
Check Services
Cashiers Check	$6	Not stated	None
Personal Money Order	$3	Not stated	None
Stop Payment (Check or EFT)	$20	Not stated	None
Counter Checks	$0.50	Not stated	None
Check Cashing Fee (non customer only, $2.00 minimum)	$2	Not stated	None
Foreign Check Deposit (each)	$5	per item	None
Cash & Deposit
Deposited Checks Returned Unpaid	$20	Not stated	None
Account Services
Notary Service	$10	Not stated	None
Safe Deposit Box Key Replacement	$30Not compared: Box drilling or key fee	Not stated	None
Garnishments or Levies	$50	Not stated	None
Retirement & IRA
IRA Transfer or Rollover	$50	Not stated	None
Other Fees
Fax (sending or receiving per page)	$1	per item	None
Periodic Statement Reproduction (per statement)	$5	Not stated	None
Photocopies (per page)	$0.25	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

Correct a fee source

Oct 22, 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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