McClave State Bank

Headquarters: McClave, Colorado
Charter: Bank
Assets: $78.9M
Fed district: Kansas City

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

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

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

Monthly Maintenance
Regular Checking $3.50 to $15 · Silver Checking Account $10 · Gold Checking Account $15
Compared at $10, the middle of its prices
McClave State Bank: $3.50 to $15
McClave State Bank: $3.50 to $15
U.S. median: no median
Overdraft (OD)
McClave State Bank: $25
McClave State Bank: $25
U.S. median: no median
NSF / Returned Item
McClave State Bank: $25
McClave State Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

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

Account Maintenance

Gold Checking Account Monthly service charge$15
per month
Service Charge$3.50
per month
Service Charge$15
per month
Service Charge$10
per month
Silver Checking Account Monthly service charge$10
per month
Monthly Service Charge (account balance falls below $1,000.00)$10
per month
Monthly Service Charge (account balance falls below $1,000.00)$10
per month
Monthly Service Charge (account balance falls below $2,500.00)$15
per month
Monthly Service Charge (account balance falls below $2,500.00)$15
per month
Monthly Service Charge (account balance falls below $500.00)$3.50
per month
Monthly Service Charge (account balance falls below $500.00)$3.50
per month
Dormant service charge (per statement)$5
Research/Balance Checkbook (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Charge (per item)$25
per item
NSF Charge (per item)$25
per item
Continuous Overdraft Charge$5

ATM & Card

ATM/Debit Card Replacement$5

Wire Transfers

Outgoing wire transfer$15
Incoming wire transfer$10

Check Services

Cashier Checks$3
Stop Payments$20
Temporary Checks (per check)$0.25
per item

Cash & Deposit

Cash Advance Non-Customers (flat fee)$5

Account Services

Safe Deposit Box 3 X 10 X 21 (audience not stated, treated as personal)$15
per year
Safe Deposit Box 6 X 10 X 21 (audience not stated, treated as personal)$25
Safe Deposit Box 9 X 10 X 21 (audience not stated, treated as personal)$40
Garnishments/Levy’s$25

Other Fees

FAX received (per page)No charge
FAX sent (flat fee)$5
per item
Photocopies (per page)$0.10
per item
Statement Reprints (per statement)$5
Loan Extension Fee$50

Fee	Amount	Basis	Note
Account Maintenance
Gold Checking Account Monthly service charge	$15	per month	None
Service Charge	$3.50	per month	None
Service Charge	$15	per month	None
Service Charge	$10	per month	None
Silver Checking Account Monthly service charge	$10	per month	None
Monthly Service Charge (account balance falls below $1,000.00)	$10	per month	None
Monthly Service Charge (account balance falls below $1,000.00)	$10	per month	None
Monthly Service Charge (account balance falls below $2,500.00)	$15	per month	None
Monthly Service Charge (account balance falls below $2,500.00)	$15	per month	None
Monthly Service Charge (account balance falls below $500.00)	$3.50	per month	None
Monthly Service Charge (account balance falls below $500.00)	$3.50	per month	None
Dormant service charge (per statement)	$5	Not stated	None
Research/Balance Checkbook (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Charge (per item)	$25	per item	None
NSF Charge (per item)	$25	per item	None
Continuous Overdraft Charge	$5	Not stated	None
ATM & Card
ATM/Debit Card Replacement	$5	Not stated	None
Wire Transfers
Outgoing wire transfer	$15	Not stated	None
Incoming wire transfer	$10	Not stated	None
Check Services
Cashier Checks	$3	Not stated	None
Stop Payments	$20	Not stated	None
Temporary Checks (per check)	$0.25	per item	None
Cash & Deposit
Cash Advance Non-Customers (flat fee)	$5	Not stated	None
Account Services
Safe Deposit Box 3 X 10 X 21 (audience not stated, treated as personal)	$15	per year	None
Safe Deposit Box 6 X 10 X 21 (audience not stated, treated as personal)	$25	Not stated	None
Safe Deposit Box 9 X 10 X 21 (audience not stated, treated as personal)	$40	Not stated	None
Garnishments/Levy’s	$25	Not stated	None
Other Fees
FAX received (per page)	No charge	Not stated	None
FAX sent (flat fee)	$5	per item	None
Photocopies (per page)	$0.10	per item	None
Statement Reprints (per statement)	$5	Not stated	None
Loan Extension Fee	$50	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 2, 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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