vs. U.S. typical range:LowerTypicalHigher
$1 below the national medianAt the Minnesota median
per month · Source
$7.50 above the national medianAt the Minnesota median
$2.50 above the national medianAt the Minnesota median
$30 below the national median$30 below the Minnesota median
$30 below the national median$29 below the Minnesota median
$5 below the national median$5 below the Minnesota median
$35 above the national median$35 above the Minnesota median
At the national medianAt the Minnesota median
At the national medianAt the Minnesota median
At the national median$0.75 below the Minnesota median
$4.50 below the national median$2 below the Minnesota median
per item · Source
$5 below the national median$5 below the Minnesota median
$16.50 below the national median$16.50 below the Minnesota median
At the national median$0.25 below the Minnesota median
$20.50 below the national median$23 below the Minnesota median
$2 above the national median$2 above the Minnesota median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| BankONStearns Monthly Service Fee | $5Within the typical range ($4–$10 nationally) | $1 below the national medianAt the Minnesota median | per month | — | Source |
| Early Account Closure, within 90 days | $25Within the typical range ($10–$25 nationally) | $7.50 above the national medianAt the Minnesota median | — | — | Source |
| Account Research, per hour | $20Within the typical range ($12–$25 nationally) | $2.50 above the national medianAt the Minnesota median | — | — | Source |
Overdraft & NSFVerified | |||||
| NSF Paid Item created by check, ACH or other electronic means or in-person withdrawals | $0Below the typical range ($25–$33 nationally) | $30 below the national median$30 below the Minnesota median | — | — | Source |
| NSF Returned Item created by check, ACH or other electronic means or in-person withdrawals | $0 | ||||
ATM & CardVerified | |||||
| Bank Card Replacement | $5Within the typical range ($5–$10 nationally) | $5 below the national median$5 below the Minnesota median | — | — | Source |
| Bank Card Rush Fee | $75 | ||||
Wire TransfersVerified | |||||
| Wire Transfer, Incoming | $10Within the typical range ($5–$15 nationally) | At the national medianAt the Minnesota median | — | — | Source |
Check ServicesVerified | |||||
| Cashiers Check, customer only | $5Within the typical range ($3–$6 nationally) | At the national medianAt the Minnesota median | — | — | Source |
| Money Order, customer only | $2 | ||||
Digital & ElectronicVerified | |||||
| ACH Returned Item as Unauthorized | $4.50Below the typical range ($15–$30 nationally) | $20.50 below the national median$23 below the Minnesota median | — | — | Source |
Other FeesVerified | |||||
| Duplicate Statement | $5Within the typical range ($2–$5 nationally) | $2 above the national median$2 above the Minnesota median | — | — | Source |
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Headline fees vs. national median
Headline fees published
7 of 15
Published fees
16
Under review
0
Assets
$3.3B
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Financial Context
Financials as of Q2 2026 · FDIC call report
Total assets
$3.3B
Total deposits
$2.4B
Service charge income
$50K
Fee income ratio
0.10%
Return on assets
2.09%
Branches
8
Service charge income by quarter
Financial profile · Pro
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| $30 below the national median$29 below the Minnesota median |
| — |
| — |
| Source |
| $35 above the national median$35 above the Minnesota median |
| — |
| — |
| Source |
| At the national median$0.75 below the Minnesota median |
| — |
| — |
| Source |
| Stop Payment, per check or Zelle transaction | $23Within the typical range ($20–$30 nationally) | $4.50 below the national median$2 below the Minnesota median | per item | — | Source |
| Collection Item | $15Within the typical range ($10–$25 nationally) | $5 below the national median$5 below the Minnesota median | — | — | Source |
| Foreign Item Deposited | $3.50Below the typical range ($10–$25 nationally) | $16.50 below the national median$16.50 below the Minnesota median | — | — | Source |
| Copy of Check | $3Within the typical range ($2–$5 nationally) | At the national median$0.25 below the Minnesota median | — | — | Source |