The State Exchange Bank

Headquarters: Lamont, Oklahoma
Charter: Bank
Assets: $89.6M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 10, 2026.

Explore Hamilton View published fees

Fees against the market

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

NSF / Returned Item
The State Exchange Bank: $20
The State Exchange Bank: $20
U.S. median: no median
Non-Network ATM
The State Exchange Bank: $1
The State Exchange Bank: $1
U.S. median: no median
Wire Transfer (Domestic Out)
The State Exchange Bank: $20
The State Exchange Bank: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Oklahoma, 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).
Oklahoma: Banks and credit unions headquartered in Oklahoma 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 The State Exchange Bank’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account Fee (charged monthly if balance is less than $150.00)$1
per month
Account Research (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Undeliverable Mail Fee$5

Overdraft & NSF

Return Non Sufficient Funds (NSF) Item Charge$20

ATM & Card

ATM Service Fee - At All Other ATMs (per withdrawal or inquiry)$1
per item
Replace ATM/Check Card$5
per item
Currency conversion1%of the transaction

Wire Transfers

Domestic Wire Transfers - Outgoing$20
International Wire Transfers - Outgoing$30

Check Services

Cashier's Checks (each)$3
per item
Money Orders (each)$1
per item
Stop Payments (each)$20
per item
Collection Items (each)$10
per item

Cash & Deposit

Returned Deposit Item$5

Account Services

Key Replacement$5
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 11$60
Safe Deposit Box 3 x 11$30
Safe Deposit Box 3 x 5$15
Safe Deposit Box 5 x 11$40
Garnishment$25
Tax Levy$25

Other Fees

Fax-Incoming per page$0.50
per item
Fax-Outgoing each additional page$1
per item
Fax-Outgoing first page$5
Photocopies (per page)$0.10
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee (charged monthly if balance is less than $150.00)	$1	per month	None
Account Research (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Undeliverable Mail Fee	$5	Not stated	None
Overdraft & NSF
Return Non Sufficient Funds (NSF) Item Charge	$20	Not stated	None
ATM & Card
ATM Service Fee - At All Other ATMs (per withdrawal or inquiry)	$1	per item	None
Replace ATM/Check Card	$5	per item	None
Currency conversion	1%of the transaction	Not stated	None
Wire Transfers
Domestic Wire Transfers - Outgoing	$20	Not stated	None
International Wire Transfers - Outgoing	$30	Not stated	None
Check Services
Cashier's Checks (each)	$3	per item	None
Money Orders (each)	$1	per item	None
Stop Payments (each)	$20	per item	None
Collection Items (each)	$10	per item	None
Cash & Deposit
Returned Deposit Item	$5	Not stated	None
Account Services
Key Replacement	$5Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 11	$60	Not stated	None
Safe Deposit Box 3 x 11	$30	Not stated	None
Safe Deposit Box 3 x 5	$15	Not stated	None
Safe Deposit Box 5 x 11	$40	Not stated	None
Garnishment	$25	Not stated	None
Tax Levy	$25	Not stated	None
Other Fees
Fax-Incoming per page	$0.50	per item	None
Fax-Outgoing each additional page	$1	per item	None
Fax-Outgoing first page	$5	Not stated	None
Photocopies (per page)	$0.10Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 10, 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.

Fee change alerts

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