21 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 21, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Non-Network ATM
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
The First National Bank of Germantown · $96M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| The First National Bank of Germantown(this institution) | Germantown, OH | $96M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Calhoun County | Hardin, IL | $100M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Lake Village | Lake Village, AR | $91M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Citizens Bank & Trust Co. | Marks, MS | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Community Bank of Missouri | Richmond, MO | $94M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community Bank of Oelwein | Oelwein, IA | $95M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Community First Bank | Rosholt, WI | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| First Bank and Trust Company | Minden, NE | $91M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Savings Bank of Washington | Washington, IN | $94M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Home National Bank | Racine, OH | $95M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Integrity Bank Plus | Wabasso, MN | $93M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Investors Community Bank | Chillicothe, MO | $98M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Johnson State Bank | Johnson, KS | $97M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Junction National Bank | Junction, TX | $93M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mayville State Bank | Mayville, MI | $95M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Miners Exchange Bank | Coeburn, VA | $93M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mutual Federal Bank | Chicago, IL | $97M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peoples Exchange Bank | Monroeville, AL | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Peoples First Savings Bank | Mason, OH | $100M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rockland Savings Bank, FSB | Rockland, ME | $91M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| The Citizens National Bank of McConnelsville | McConnelsville, OH | $102M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The First National Bank of Johnson | Johnson, NE | $96M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Miners National Bank of Eveleth | Eveleth, MN | $97M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Ottoville Bank Company | Ottoville, OH | $94M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Stock Exchange Bank, Caldwell, Kansas | Caldwell, KS | $90M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Security Bank | Fulton, MO | $97M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8 among 13 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026.
Monthly maintenance fee in dollars, one mark per institution
The First National Bank of Germantown does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026. Total assets from FDIC and NCUA records.
Amounts from The First National Bank of Germantown’s own schedules, with a source for each figure.
per hour
per hour · Account Balancing (per hour) $30.00
per hour · Records Research (per hour) $30.00
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closed within 13 Months | $25 | Not stated | None |
| Account Closed within 13 Months | $25 | Not stated | None |
| Dormant Account | $6 | Not stated | None |
| Dormant Account | $6 | Not stated | None |
| Account Balancing (per hour) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Balancing (per hour) | $30Not compared: Charged per hour; comparison unavailable | per hour | Account Balancing (per hour) $30.00 |
| Records Research (per hour) | $30Not compared: Charged per hour; comparison unavailable | per hour | Records Research (per hour) $30.00 |
| Return Mail Processing | $3 | Not stated | None |
| Return Mail Processing | $3 | Not stated | None |
Overdraft & NSF | |||
| Non-Sufficient Funds/Overdraft | $31 | Not stated | None |
| Overdraft | $31 | Not stated | None |
| Return Item Fees | $31 | Not stated | None |
| Return Item Fees | $31 | Not stated | None |
| Sweeps (OD Transfer from Savings to Checking per occurance) | $5 | per item | None |
| Sweeps (OD Transfer from Savings to Checking per occurance) | $5 | per item | None |
ATM & Card | |||
| Foreign ATM Transactions | $2 | Not stated | None |
| Foreign ATM Transactions | $2 | Not stated | None |
| ATM/Debit Card Replacement | $10 | Not stated | None |
| ATM/Debit Card Replacement | $10 | Not stated | None |
Wire Transfers | |||
| Wire (Outgoing - Domestic) | $25 | Not stated | None |
| Wire (Outgoing - Domestic) | $25 | Not stated | None |
| Wire (Incoming) | $15 | Not stated | None |
| Wire (Incoming) | $15 | Not stated | None |
| Wire (Outgoing - Int'l) | $50 | Not stated | None |
| Wire (Outgoing - Int'l) | $50 | Not stated | None |
Check Services | |||
| Cashier's Check (non-customer) | $10 | Not stated | None |
| Cashier's Check (non-customer) | $10 | Not stated | None |
| Money Order (customer) | $3 | Not stated | None |
| Money Order (customer) | $3 | Not stated | None |
| Money Order (non-customer) | $5 | Not stated | None |
| Money Order (non-customer) | $5 | Not stated | None |
| Stop Payment | $31 | Not stated | None |
| Stop Payment | $31 | Not stated | None |
| Photocopy of Check | $4 | Not stated | None |
| Photocopy of Check | $4 | Not stated | None |
Digital & Electronic | |||
| Main Street Originator - ACH Origination (per Month) | No chargeNot compared: Monthly charge, not per item | per month | None |
Cash & Deposit | |||
| Return Deposit Item | $10 | Not stated | None |
| Return Deposit Item | $10 | Not stated | None |
| Key Replacement (Night Drop) | $10 | Not stated | None |
| Key Replacement (Night Drop) | $10 | Not stated | None |
Account Services | |||
| Notary Services | No charge | Not stated | None |
| Notary Services | No charge | Not stated | None |
| Safe Deposit Box 10x10 | $62.50 | Not stated | None |
| Safe Deposit Box 10x10 | $62.50 | Not stated | None |
| Safe Deposit Box 3x10 | $31.25 | Not stated | None |
| Safe Deposit Box 3x10 | $31.25 | Not stated | None |
| Safe Deposit Box 3x5 | $18.75 | Not stated | None |
| Safe Deposit Box 3x5 | $18.75 | Not stated | None |
| Safe Deposit Box 4x5 | $25 | Not stated | None |
| Safe Deposit Box 4x5 | $25 | Not stated | None |
| Safe Deposit Box 5x10 | $50 | Not stated | None |
| Safe Deposit Box 5x10 | $50 | Not stated | None |
| Safe Deposit Box Drill | $125Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Key Replacement (Damaged Key) | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Key Replacement (Damaged Key) | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Key Replacement (Requires New Locks) | $75Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Key Replacement (Requires New Locks) | $75Not compared: Box drilling or key fee | Not stated | None |
| Garnishment/Tax Levies | $75 | Not stated | None |
| Garnishment/Tax Levies | $75 | Not stated | None |
Other Fees | |||
| Photocopy of Statement | $5 | Not stated | None |
| Photocopy of Statement | $5 | Not stated | None |
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Fee | $10 | per month | None |
| Account Closed within 13 Months | $25 | Not stated | None |
| Dormant Account | $6 | Not stated | None |
| Account Balancing (per hour) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | $3 | Not stated | None |
| Return Mail Processing | $3 | Not stated | None |
Overdraft & NSF | |||
| Non-Sufficient Funds/Overdraft | $31 | Not stated | None |
| Return Item Fees | $31 | Not stated | None |
| Sweeps (OD Transfer from Savings to Checking per occurance) | $5 | per item | None |
ATM & Card | |||
| Foreign ATM Transactions | $2 | Not stated | None |
| ATM/Debit Card Replacement | $10 | Not stated | None |
Wire Transfers | |||
| Wire (Outgoing - Domestic) | $25 | Not stated | None |
| Wire (Incoming) | $15 | Not stated | None |
| Wire (Outgoing - Int'l) | $50 | Not stated | None |
Check Services | |||
| Cashier's Check (non-customer) | $10 | Not stated | None |
| Money Order (customer) | $3 | Not stated | None |
| Money Order (non-customer) | $5 | Not stated | None |
| Stop Payment | $31 | Not stated | None |
| Photocopy of Check | $4 | Not stated | None |
Digital & Electronic | |||
| Main Street Originator - ACH Origination (per Month) | No chargeNot compared: Monthly charge, not per item | per month | None |
Cash & Deposit | |||
| Return Deposit Item | $10 | Not stated | None |
| Key Replacement (Night Drop) | $10 | Not stated | None |
Account Services | |||
| Notary Services | No charge | Not stated | None |
| Safe Deposit Box 10x10 | $62.50 | Not stated | None |
| Safe Deposit Box 3x10 | $31.25 | Not stated | None |
| Safe Deposit Box 3x5 | $18.75 | Not stated | None |
| Safe Deposit Box 4x5 | $25 | Not stated | None |
| Safe Deposit Box 5x10 | $50 | Not stated | None |
| Safe Deposit Box Key Replacement (Damaged Key) | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Key Replacement (Requires New Locks) | $75Not compared: Box drilling or key fee | Not stated | None |
| Garnishment/Tax Levies | $75 | Not stated | None |
Other Fees | |||
| Photocopy of Statement | $5 | Not stated | None |
Oct 21, 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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