First Bank and Trust Company

Headquarters: Minden, Nebraska
Charter: Bank
Assets: $91.2M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 11, 2026.

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Fees against the market

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

Monthly Maintenance
Health Checking Account $3.95 · Elite Checking $5
Compared at $4.48, the middle of its prices
First Bank and Trust Company: $3.95 to $5
First Bank and Trust Company: $3.95 to $5
U.S. median: no median
Overdraft (OD)
First Bank and Trust Company: $30
First Bank and Trust Company: $30
U.S. median: no median
NSF / Returned Item
First Bank and Trust Company: $30
First Bank and Trust Company: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Nebraska, the Kansas City 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).
Nebraska: Banks and credit unions headquartered in Nebraska that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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 First Bank and Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Elite Checking Monthly Fee$5
per month
Monthly Maintenance$3.95
per month
Inactive Account Fee for Checking Accounts$5
per month
Reconciliation and Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$5

Overdraft & NSF

Overdraft Fee$30
per item
Return Item Fee$30
Return Item Fee daily maximum (audience not stated, treated as personal)$120
per day
Return Item Fee daily maximum$120
per day

ATM & Card

ATM Service Charge: Outgoing$4
Visa Debit Card Replacement Fee$10

Wire Transfers

Wire Transfers: Outgoing – Domestic$20
per item
Wire Transfers: Outgoing – International$50
per item
Wire Transfers:: Outgoing – International$50
per item

Check Services

Cashier’s Checks (sold to customers only)$2
per item
Money Orders (sold to customers only)$1
per item
Stop Payment Order$30
per item
Check Cashing Fee (Customers)No charge
Collection Items$25
per item

Cash & Deposit

Coin Counting (Non-customers) (audience not stated, treated as personal)10%
Coin Counting (Non-customers)10%
Returned Deposit Fee$5
per item

Account Services

Notary Service – (Non-customers)$10
Not compared: Charged per document; comparison unavailable
per document
Lost Key$20
Not compared: Box drilling or key fee
Garnishments & Tax Levies$50

Other Fees

Photocopies$0.25
Not compared: Charged per page; comparison unavailable
per page
Statement Copies$5

Fee	Amount	Basis	Note
Account Maintenance
Elite Checking Monthly Fee	$5	per month	None
Monthly Maintenance	$3.95	per month	None
Inactive Account Fee for Checking Accounts	$5	per month	None
Reconciliation and Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$5	Not stated	None
Overdraft & NSF
Overdraft Fee	$30	per item	None
Return Item Fee	$30	Not stated	None
Return Item Fee daily maximum (audience not stated, treated as personal)	$120	per day	None
Return Item Fee daily maximum	$120	per day	None
ATM & Card
ATM Service Charge: Outgoing	$4	Not stated	None
Visa Debit Card Replacement Fee	$10	Not stated	None
Wire Transfers
Wire Transfers: Outgoing – Domestic	$20	per item	None
Wire Transfers: Outgoing – International	$50	per item	None
Wire Transfers:: Outgoing – International	$50	per item	None
Check Services
Cashier’s Checks (sold to customers only)	$2	per item	None
Money Orders (sold to customers only)	$1	per item	None
Stop Payment Order	$30	per item	None
Check Cashing Fee (Customers)	No charge	Not stated	None
Collection Items	$25	per item	None
Cash & Deposit
Coin Counting (Non-customers) (audience not stated, treated as personal)	10%	Not stated	None
Coin Counting (Non-customers)	10%	Not stated	None
Returned Deposit Fee	$5	per item	None
Account Services
Notary Service – (Non-customers)	$10Not compared: Charged per document; comparison unavailable	per document	None
Lost Key	$20Not compared: Box drilling or key fee	Not stated	None
Garnishments & Tax Levies	$50	Not stated	None
Other Fees
Photocopies	$0.25Not compared: Charged per page; comparison unavailable	per page	None
Statement Copies	$5	Not stated	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 11, 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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