Independence State Bank

Headquarters: Independence, Wisconsin
Charter: Bank
Assets: $84.2M
Fed district: Minneapolis

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

Source: its fee schedule, read Nov 4, 2026.

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Fees against the market

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

Overdraft (OD)
Independence State Bank: $30
Independence State Bank: $30
U.S. median: no median
NSF / Returned Item
Independence State Bank: $30
Independence State Bank: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Independence State Bank: $25
Independence State Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

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

Account Maintenance

Early Closure of Account (Less than 3 months)$25
Dormant Account - Checking (After 12 months of becoming an inactive account)$10
per month
Dormant Account - Savings (After 18 months of becoming an inactive account)$10
per month
Inactive Account - Checking (After 6 months of inactivity)$5
per month
Inactive Account - Savings (After 12 months of inactivity)$5
per month
Account Research$40
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail (One-time fee)$10
Not compared: One-time charge, not monthly
one time

Overdraft & NSF

NSF Paid Overdraft Fee (See Below)$30
NSF Returned per Item Fee per presentment (See Below)$30
per item
Extended Overdraft Fee (See Below)$5
NSF Paid/Returned Daily Cap$150
per day · Maximum daily fee for NSF Paid/Returned

Wire Transfers

Wire Transfer - Outgoing$25
Wire Transfer - Incoming$15

Check Services

Cashier's Checks$5
Stop Payments$25
Check Cashing (Non-Customers)$5
Check Images Returned in Statement Monthly$5
Not compared: Monthly charge, not per item
per month
Check Images Returned Monthly on CD$10
Not compared: Monthly charge, not per item
per month

Cash & Deposit

Returned Deposited Item Fee$7
per item

Account Services

Notary Fee$5
Tax Levy/Garnishments$40

Retirement & IRA

IRA Transfer/Termination Fee$35

Other Fees

Incoming Fax - Per Page$3
per item
Interim Statements$2
Outgoing Fax - 1st Page$3
Outgoing Fax - Each Additional Page$1
per item
Photocopies (per copy)$0.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Early Closure of Account (Less than 3 months)	$25	Not stated	None
Dormant Account - Checking (After 12 months of becoming an inactive account)	$10	per month	None
Dormant Account - Savings (After 18 months of becoming an inactive account)	$10	per month	None
Inactive Account - Checking (After 6 months of inactivity)	$5	per month	None
Inactive Account - Savings (After 12 months of inactivity)	$5	per month	None
Account Research	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail (One-time fee)	$10Not compared: One-time charge, not monthly	one time	None
Overdraft & NSF
NSF Paid Overdraft Fee (See Below)	$30	Not stated	None
NSF Returned per Item Fee per presentment (See Below)	$30	per item	None
Extended Overdraft Fee (See Below)	$5	Not stated	None
NSF Paid/Returned Daily Cap	$150	per day	Maximum daily fee for NSF Paid/Returned
Wire Transfers
Wire Transfer - Outgoing	$25	Not stated	None
Wire Transfer - Incoming	$15	Not stated	None
Check Services
Cashier's Checks	$5	Not stated	None
Stop Payments	$25	Not stated	None
Check Cashing (Non-Customers)	$5	Not stated	None
Check Images Returned in Statement Monthly	$5Not compared: Monthly charge, not per item	per month	None
Check Images Returned Monthly on CD	$10Not compared: Monthly charge, not per item	per month	None
Cash & Deposit
Returned Deposited Item Fee	$7	per item	None
Account Services
Notary Fee	$5	Not stated	None
Tax Levy/Garnishments	$40	Not stated	None
Retirement & IRA
IRA Transfer/Termination Fee	$35	Not stated	None
Other Fees
Incoming Fax - Per Page	$3	per item	None
Interim Statements	$2	Not stated	None
Outgoing Fax - 1st Page	$3	Not stated	None
Outgoing Fax - Each Additional Page	$1	per item	None
Photocopies (per copy)	$0.50	per item	None

Correct a fee source

Nov 4, 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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