Independence State Bank

Headquarters: Independence, Wisconsin
Charter: Bank
Assets: $84.2M
Fed district: Minneapolis
Regulator: FDIC
Holding company: Northern Financial Corp.

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

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

Explore Hamilton View published fees

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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Among its peers

Independence State Bank · $84M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Banks only
$78M to $91M in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Independence State Bank(this institution)	Independence, WI	$84M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
American State Bank of Grygla	Grygla, MN	$82M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bandera Bank	Bandera, TX	$89M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	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
Bank of Ontario	Ontario, WI	$79M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Yates City	Yates City, IL	$89M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Concorde Bank	Blomkest, MN	$88M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Eureka Homestead	Metairie, LA	$89M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Farmers and Merchants Bank	Arnett, OK	$80M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Bank of Pike	Molena, GA	$87M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First National Bank of South Padre Island	South Padre Island, TX	$78M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First State Bank	Watonga, OK	$90M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Five Rivers Bank	Paramus, NJ	$78M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Highland Federal Savings and Loan Association	Crossville, TN	$79M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
McClave State Bank	McClave, CO	$79M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
New Century Bank	Belleville, KS	$89M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
North Cambridge Co-operative Bank	Cambridge, MA	$87M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Sherwood Community Bank	Creighton, MO	$78M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Bank of Cold Spring	Cold Spring, MN	$82M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
The Atlanta National Bank	Atlanta, IL	$81M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The First National Bank of Manning	Manning, IA	$88M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The First State Bank of Red Wing	Red Wing, MN	$86M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Howard State Bank, Howard, Kansas	Howard, KS	$80M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The State Exchange Bank	Lamont, OK	$90M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
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
Tri-Valley Bank	Randolph, IA	$83M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(monthly maintenance)

17 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Independence State Bank does not publish a monthly maintenance fee in the index.

The peer median is $5 among 8 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 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Independence State Bank does not publish a monthly maintenance fee, so it is not on this chart.

Independence State BankPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.

Fee change alerts

Get an email when Independence State Bank's early account closure changes in our data

We check once a day and send one email covering every change.

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

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.

Among its peers

Independence State Bank · $84M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Banks only
$78M to $91M in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Independence State Bank(this institution)	Independence, WI	$84M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
American State Bank of Grygla	Grygla, MN	$82M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bandera Bank	Bandera, TX	$89M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	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
Bank of Ontario	Ontario, WI	$79M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Yates City	Yates City, IL	$89M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Concorde Bank	Blomkest, MN	$88M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Eureka Homestead	Metairie, LA	$89M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Farmers and Merchants Bank	Arnett, OK	$80M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Bank of Pike	Molena, GA	$87M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First National Bank of South Padre Island	South Padre Island, TX	$78M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First State Bank	Watonga, OK	$90M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Five Rivers Bank	Paramus, NJ	$78M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Highland Federal Savings and Loan Association	Crossville, TN	$79M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
McClave State Bank	McClave, CO	$79M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
New Century Bank	Belleville, KS	$89M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
North Cambridge Co-operative Bank	Cambridge, MA	$87M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Sherwood Community Bank	Creighton, MO	$78M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Bank of Cold Spring	Cold Spring, MN	$82M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
The Atlanta National Bank	Atlanta, IL	$81M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The First National Bank of Manning	Manning, IA	$88M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The First State Bank of Red Wing	Red Wing, MN	$86M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Howard State Bank, Howard, Kansas	Howard, KS	$80M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The State Exchange Bank	Lamont, OK	$90M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
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
Tri-Valley Bank	Randolph, IA	$83M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(monthly maintenance)

17 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Independence State Bank does not publish a monthly maintenance fee in the index.

The peer median is $5 among 8 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 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Independence State Bank does not publish a monthly maintenance fee, so it is not on this chart.

Independence State BankPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.