Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, under $300M

Independence State Bank

Independence, WisconsinBankMinneapolis Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Early Closure of Account (Less than 3 months)$25Above the typical range ($5–$10 nationally)

$18 above the national median$17.50 above the Wisconsin median

Dormant Account - Checking (After 12 months of becoming an inactive account)$10

$5 above the national median$5 above the Wisconsin median

per month · Source

Inactive Account - Checking (After 6 months of inactivity)$5

At the national medianAt the Wisconsin median

per month · Source

Account Research$40

$22.50 above the national median$22.50 above the Wisconsin median

Source

Returned Mail (One-time fee)$10

$7.50 below the national median$7.50 below the Wisconsin median

Knox extract.rules v31 categorized a line held for review from Rosetta artifact #2564. canonical_hint=account_research; text_hash=529794137d4a58fdd9124ef9086f1d6bf9648d38a985478763ff39c4d207c6ab; excerpt="Returned Mail (One-time fee) | $10.00" · Source

Overdraft & NSFVerified

NSF Paid Overdraft Fee (See Below)$30Within the typical range ($25–$33 nationally)
At the national median$2 above the Wisconsin median
Source
NSF Returned per Item Fee$30Within the typical range ($25–$32 nationally)
At the national median$2 above the Wisconsin median
per item · Per presentment; charged per presentment and may be charged more than once for each time the same check or withdrawal request is returned unpaid; applies to NSF created by checks, in-person withdrawals, or electronic withdrawals · Institution’s schedule
NSF Returned per Item Fee per presentment (See Below)$30Within the typical range ($25–$32 nationally)
At the national median$2 above the Wisconsin median
per item · Source
Extended Overdraft Fee (See Below)$5Within the typical range ($5–$15 nationally)
At the national median$1 below the Wisconsin median
Source
NSF Paid/Returned Daily Cap$150Within the typical range ($99–$175 nationally)
$25 above the national median$25 below the Wisconsin median
per day · Maximum daily fee for NSF Paid/Returned · Institution’s schedule

Wire TransfersVerified

Wire Transfer - Outgoing$25Within the typical range ($20–$25 nationally)
At the national medianAt the Wisconsin median
Source
Wire Transfer - Incoming$15Within the typical range ($5–$15 nationally)
$5 above the national median$5 above the Wisconsin median
Source

Check ServicesVerified

Cashier's Checks$5Within the typical range ($3–$6 nationally)
At the national medianAt the Wisconsin median
Source
Stop Payments$25Within the typical range ($20–$30 nationally)
$2.50 below the national median$2.50 below the Wisconsin median
Source
Check Cashing (Non-Customers)$5Within the typical range ($5–$10 nationally)
At the national medianAt the Wisconsin median
Source

Cash & DepositVerified

Returned Deposited Item Fee$7Below the typical range ($8–$25 nationally)
$8 below the national median$3 below the Wisconsin median
per item · Source

Account ServicesVerified

Notary Fee$5Within the typical range ($0–$5 nationally)
$2.50 above the national median$5 above the Wisconsin median
Source
Tax Levy/Garnishments$40Within the typical range ($30–$90 nationally)
$10 below the national median$10 below the Wisconsin median
Source

Retirement & IRAVerified

IRA Transfer/Termination Fee$35Within the typical range ($25–$35 nationally)
$10 above the national median$10 above the Wisconsin median
Source

Other FeesVerified

Interim Statements$2Within the typical range ($2–$5 nationally)
$1 below the national median$0.61 below the Wisconsin median
Source
Photocopies (per copy)$0.50Below the typical range ($2–$5 nationally)
$2.50 below the national median$2.11 below the Wisconsin median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Early Closure of Account (Less than 3 months)	$25Above the typical range ($5–$10 nationally)	$18 above the national median$17.50 above the Wisconsin median	—	—	Source
Dormant Account - Checking (After 12 months of becoming an inactive account)	$10Within the typical range ($5–$10 nationally)	$5 above the national median$5 above the Wisconsin median	per month	—	Source
Inactive Account - Checking (After 6 months of inactivity)	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Wisconsin median	per month	—	Source
Account Research	$40Above the typical range ($12–$25 nationally)	$22.50 above the national median$22.50 above the Wisconsin median	—	—	Source
Returned Mail (One-time fee)	$10Below the typical range ($12–$25 nationally)	$7.50 below the national median$7.50 below the Wisconsin median	—	Knox extract.rules v31 categorized a line held for review from Rosetta artifact #2564. canonical_hint=account_research; text_hash=529794137d4a58fdd9124ef9086f1d6bf9648d38a985478763ff39c4d207c6ab; excerpt="Returned Mail (One-time fee) \| $10.00"	Source
Overdraft & NSFVerified
NSF Paid Overdraft Fee (See Below)	$30Within the typical range ($25–$33 nationally)	At the national median$2 above the Wisconsin median	—	—	Source
NSF Returned per Item Fee	$30
Wire TransfersVerified
Wire Transfer - Outgoing	$25Within the typical range ($20–$25 nationally)	At the national medianAt the Wisconsin median	—	—	Source
Wire Transfer - Incoming	$15
Check ServicesVerified
Cashier's Checks	$5Within the typical range ($3–$6 nationally)	At the national medianAt the Wisconsin median	—	—	Source
Stop Payments	$25
Cash & DepositVerified
Returned Deposited Item Fee	$7Below the typical range ($8–$25 nationally)	$8 below the national median$3 below the Wisconsin median	per item	—	Source
Account ServicesVerified
Notary Fee	$5Within the typical range ($0–$5 nationally)	$2.50 above the national median$5 above the Wisconsin median	—	—	Source
Tax Levy/Garnishments	$40
Retirement & IRAVerified
IRA Transfer/Termination Fee	$35Within the typical range ($25–$35 nationally)	$10 above the national median$10 above the Wisconsin median	—	—	Source
Other FeesVerified
Interim Statements	$2Within the typical range ($2–$5 nationally)	$1 below the national median$0.61 below the Wisconsin median	—	—	Source
Photocopies (per copy)	$0.50

Fee change alerts

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

21 verified fees collected

Headline fees published

8 of 15

Published fees

Under review

Assets

$84.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$84.2M

Total deposits

$72.2M

Service charge income

$17K

Fee income ratio

1.7%

Return on assets

1.28%

Branches

Service charge income by quarter

Q2 2026$17K

Q1 2026$17K

Q4 2025$19K

Q3 2025$19K

Financial profile · Pro

Performance from regulator filings

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