First State Bank

Headquarters: Watonga, Oklahoma
Charter: Bank
Assets: $89.8M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 12, 2026.

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Fees against the market

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

Overdraft (OD)
First State Bank: $25
First State Bank: $25
U.S. median: no median
NSF / Returned Item
First State Bank: $25
First State Bank: $25
U.S. median: no median
Non-Network ATM
First State Bank: $1.25
First State Bank: $1.25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 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 First State Bank’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account Fee$4
per month

Overdraft & NSF

Overdraft Item Charge (OD/Paid NSF)$25
Return NSF Item Charge$25

ATM & Card

ATM Transaction Fee at ATM Other than FSB$1.25

Check Services

Cashier's Check$2
Stop Payment- All Items$5.50

Other Fees

Check and Statement Copies$0.30
per item
Fax to Customer$3

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee	$4	per month	None
Overdraft & NSF
Overdraft Item Charge (OD/Paid NSF)	$25	Not stated	None
Return NSF Item Charge	$25	Not stated	None
ATM & Card
ATM Transaction Fee at ATM Other than FSB	$1.25	Not stated	None
Check Services
Cashier's Check	$2	Not stated	None
Stop Payment- All Items	$5.50	Not stated	None
Other Fees
Check and Statement Copies	$0.30	per item	None
Fax to Customer	$3	Not stated	None

Correct a fee source

Oct 12, 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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