Community Bank Owatonna

Headquarters: Owatonna, Minnesota
Charter: Bank
Assets: $103.3M
Fed district: Minneapolis

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

Source: its fee schedule, read Oct 5, 2026.

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Fees against the market

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

NSF / Returned Item
Community Bank Owatonna: $35
Community Bank Owatonna: $35
U.S. median: no median
Non-Network ATM
Community Bank Owatonna: $2
Community Bank Owatonna: $2
U.S. median: no median
Wire Transfer (Domestic Out)
Community Bank Owatonna: $25
Community Bank Owatonna: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Minnesota, the Minneapolis 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).
Minnesota: Banks and credit unions headquartered in Minnesota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 Community Bank Owatonna’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account$5
Account Research and/or Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$3.95
per month

Overdraft & NSF

NSF Fee$35
per item
NSF fees apply to overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means. The$35

ATM & Card

Debit Card Foreign ATM Transaction$2
per item
Debit Card Replacement$10

Wire Transfers

Wire Transfers: Outgoing (Customers Only)$25
Foreign Wire Transfers Outgoing (Customers Only)$50

Check Services

Cashier’s Check (Customer)$7
per item
Money Orders (Customers)$5
per item
Stop Payment$35
per item
Check Cashing (Non-Customer)$5
per item

Cash & Deposit

Charge-Back/Return Item$4
per item
Lost Key for Night Deposit Bag$5

Account Services

Garnishment/Levies$100

Gift & Prepaid Cards

Gift Cards$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$5	Not stated	None
Account Research and/or Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$3.95	per month	None
Overdraft & NSF
NSF Fee	$35	per item	None
NSF fees apply to overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means. The	$35	Not stated	None
ATM & Card
Debit Card Foreign ATM Transaction	$2	per item	None
Debit Card Replacement	$10	Not stated	None
Wire Transfers
Wire Transfers: Outgoing (Customers Only)	$25	Not stated	None
Foreign Wire Transfers Outgoing (Customers Only)	$50	Not stated	None
Check Services
Cashier’s Check (Customer)	$7	per item	None
Money Orders (Customers)	$5	per item	None
Stop Payment	$35	per item	None
Check Cashing (Non-Customer)	$5	per item	None
Cash & Deposit
Charge-Back/Return Item	$4	per item	None
Lost Key for Night Deposit Bag	$5	Not stated	None
Account Services
Garnishment/Levies	$100	Not stated	None
Gift & Prepaid Cards
Gift Cards	$5	per item	None

Correct a fee source

Oct 5, 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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