First Citizens Community Bank

Headquarters: Mansfield, Pennsylvania
Charter: Bank
Assets: $3.2B
Fed district: Philadelphia

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

Source: its fee schedule, read Oct 14, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
First Citizens Community Bank: $4
First Citizens Community Bank: $4
U.S. median: no median
Overdraft (OD)
First Citizens Community Bank: $35
First Citizens Community Bank: $35
U.S. median: no median
NSF / Returned Item
Compared at $22.50, the middle of its prices
First Citizens Community Bank: $10 to $35
First Citizens Community Bank: $10 to $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia 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).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia 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

First Citizens Community Bank · $3.2B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$3B to $3.4B in assets
Headquartered in 18 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
First Citizens Community Bank(this institution)	Mansfield, PA	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Academy Bank, National Association	Kansas City, MO	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Austin Bank, Texas National Association	Jacksonville, TX	$3.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
BankFirst Financial Services	Columbus, MS	$3.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
BCB Community Bank	Bayonne, NJ	$3.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
CB&S Bank, Inc.	Russellville, AL	$3.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Centreville Bank	West Warwick, RI	$3.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Exchange Bank	Santa Rosa, CA	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Farmers Bank & Trust Company	Magnolia, AR	$3.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fidelity Bank, National Association	Wichita, KS	$3.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Western Trust Bank	Denver, CO	$3.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lake Ridge Bank	Middleton, WI	$3.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lawrence Bank	Nashville, TN	$3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lone Star National Bank	Pharr, TX	$3.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mascoma Bank	Lebanon, NH	$3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Midwest BankCentre	Lemay, MO	$3.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Monet Bank	Plano, TX	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North American Savings Bank, F.S.B.	Grandview, MO	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Oakstar Bank	Springfield, MO	$3.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Penn Community Bank	Doylestown, PA	$3.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
STAR Financial Bank	Fort Wayne, IN	$3.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Stearns Bank National Association	Saint Cloud, MN	$3.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
UniBank for Savings	Whitinsville, MA	$3.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Union Savings Bank	Danbury, CT	$3.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Unity Bank	Clinton, NJ	$3.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
WestStar Bank	El Paso, TX	$3.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $4 (50%) below the median of similar-sized banks.

Its published price is $4, against a peer median of $8 among 17 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 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

First Citizens Community…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 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 First Citizens Community Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly maintenance fee$4
per month · avoid the $4 monthly maintenance fee and unlock your rewards for that period, 12 or more qualifying debit transactions must post and settle during the calendar month
Close Account (within 6 months of opening)$15
Dormant Account Fee (charged after 24 months of inactivity)$10
per month
Account Reconcilement$20
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconcilement | $20/hr
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour
Returned statement for invalid address$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Paid Item Fee$35
Online Bill Pay Returned Item Fee$10
Returned Item Fee$35
Sweep & Overdraft Protection Transfers (Including overdraft protection transfers from HELOC)$10

ATM & Card

Replacement Debit card$10

Wire Transfers

Domestic Wire Transfer Outgoing (Domestic) (customers only)$30
Wire Transfer Incoming (customers only)$15
Wire Transfer Outgoing (International) (customers only)$75

Check Services

Cashier’s Check fee (Customers only)$5
Stop Payment$35
per item

Digital & Electronic

Consumer Bill Pay Fee$2.95
per month

Cash & Deposit

Deposited Item Returned$15

Account Services

2x5, 3x5, 5x5$30
per year
3x10, 3x11$40
per year
5x10, 5x11$50
per year
Drill and Replace Locks Fee$100
Not compared: Box drilling or key fee
Key Replacement Fee$10
Not compared: Box drilling or key fee
Safe Deposit Box 10x10$200
Safe Deposit Box 10x10$100
per year
Safe Deposit Box 13x15$300
Safe Deposit Box 15x10$300
Safe Deposit Box 2x5$60
per year
Safe Deposit Box 3x10$80
per year
Safe Deposit Box 3x5$60
per year
Safe Deposit Box 5x10$100
Safe Deposit Box 5x5$60
per year
Garnishment, IRS Levy, Interrogatory Fee$100
per item

Lending Fees

Late Payment Fee (after 30 days)$10

Retirement & IRA

IRA Administration Fee for Premature Distributions$25
IRA External Transfer Fee prior to maturity$25

Other Fees

Loan Payoff Letter$25

Fee	Amount	Basis	Note
Account Maintenance
Monthly maintenance fee	$4	per month	avoid the $4 monthly maintenance fee and unlock your rewards for that period, 12 or more qualifying debit transactions must post and settle during the calendar month
Close Account (within 6 months of opening)	$15	Not stated	None
Dormant Account Fee (charged after 24 months of inactivity)	$10	per month	None
Account Reconcilement	$20Not compared: Charged per hour; comparison unavailable	per hour	Account Reconcilement \| $20/hr
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Returned statement for invalid address	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Paid Item Fee	$35	Not stated	None
Online Bill Pay Returned Item Fee	$10	Not stated	None
Returned Item Fee	$35	Not stated	None
Sweep & Overdraft Protection Transfers (Including overdraft protection transfers from HELOC)	$10	Not stated	None
ATM & Card
Replacement Debit card	$10	Not stated	None
Wire Transfers
Domestic Wire Transfer Outgoing (Domestic) (customers only)	$30	Not stated	None
Wire Transfer Incoming (customers only)	$15	Not stated	None
Wire Transfer Outgoing (International) (customers only)	$75	Not stated	None
Check Services
Cashier’s Check fee (Customers only)	$5	Not stated	None
Stop Payment	$35	per item	None
Digital & Electronic
Consumer Bill Pay Fee	$2.95	per month	None
Cash & Deposit
Deposited Item Returned	$15	Not stated	None
Account Services
2x5, 3x5, 5x5	$30	per year	None
3x10, 3x11	$40	per year	None
5x10, 5x11	$50	per year	None
Drill and Replace Locks Fee	$100Not compared: Box drilling or key fee	Not stated	None
Key Replacement Fee	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10	$200	Not stated	None
Safe Deposit Box 10x10	$100	per year	None
Safe Deposit Box 13x15	$300	Not stated	None
Safe Deposit Box 15x10	$300	Not stated	None
Safe Deposit Box 2x5	$60	per year	None
Safe Deposit Box 3x10	$80	per year	None
Safe Deposit Box 3x5	$60	per year	None
Safe Deposit Box 5x10	$100	Not stated	None
Safe Deposit Box 5x5	$60	per year	None
Garnishment, IRS Levy, Interrogatory Fee	$100	per item	None
Lending Fees
Late Payment Fee (after 30 days)	$10	Not stated	None
Retirement & IRA
IRA Administration Fee for Premature Distributions	$25	Not stated	None
IRA External Transfer Fee prior to maturity	$25	Not stated	None
Other Fees
Loan Payoff Letter	$25	Not stated	None

Correct a fee source

Oct 14, 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 First Citizens Community Bank's foreign transaction 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.

Monthly Maintenance
First Citizens Community Bank: $4
First Citizens Community Bank: $4
U.S. median: no median
Overdraft (OD)
First Citizens Community Bank: $35
First Citizens Community Bank: $35
U.S. median: no median
NSF / Returned Item
Compared at $22.50, the middle of its prices
First Citizens Community Bank: $10 to $35
First Citizens Community Bank: $10 to $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 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).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia 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

First Citizens Community Bank · $3.2B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$3B to $3.4B in assets
Headquartered in 18 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
First Citizens Community Bank(this institution)	Mansfield, PA	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Academy Bank, National Association	Kansas City, MO	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Austin Bank, Texas National Association	Jacksonville, TX	$3.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
BankFirst Financial Services	Columbus, MS	$3.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
BCB Community Bank	Bayonne, NJ	$3.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
CB&S Bank, Inc.	Russellville, AL	$3.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Centreville Bank	West Warwick, RI	$3.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Exchange Bank	Santa Rosa, CA	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Farmers Bank & Trust Company	Magnolia, AR	$3.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fidelity Bank, National Association	Wichita, KS	$3.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Western Trust Bank	Denver, CO	$3.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lake Ridge Bank	Middleton, WI	$3.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lawrence Bank	Nashville, TN	$3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lone Star National Bank	Pharr, TX	$3.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mascoma Bank	Lebanon, NH	$3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Midwest BankCentre	Lemay, MO	$3.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Monet Bank	Plano, TX	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North American Savings Bank, F.S.B.	Grandview, MO	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Oakstar Bank	Springfield, MO	$3.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Penn Community Bank	Doylestown, PA	$3.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
STAR Financial Bank	Fort Wayne, IN	$3.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Stearns Bank National Association	Saint Cloud, MN	$3.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
UniBank for Savings	Whitinsville, MA	$3.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Union Savings Bank	Danbury, CT	$3.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Unity Bank	Clinton, NJ	$3.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
WestStar Bank	El Paso, TX	$3.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $4 (50%) below the median of similar-sized banks.

Its published price is $4, against a peer median of $8 among 17 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 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

First Citizens Community…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 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 First Citizens Community Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly maintenance fee$4
per month · avoid the $4 monthly maintenance fee and unlock your rewards for that period, 12 or more qualifying debit transactions must post and settle during the calendar month
Close Account (within 6 months of opening)$15
Dormant Account Fee (charged after 24 months of inactivity)$10
per month
Account Reconcilement$20
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconcilement | $20/hr
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour
Returned statement for invalid address$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Paid Item Fee$35
Online Bill Pay Returned Item Fee$10
Returned Item Fee$35
Sweep & Overdraft Protection Transfers (Including overdraft protection transfers from HELOC)$10

ATM & Card

Replacement Debit card$10

Wire Transfers

Domestic Wire Transfer Outgoing (Domestic) (customers only)$30
Wire Transfer Incoming (customers only)$15
Wire Transfer Outgoing (International) (customers only)$75

Check Services

Cashier’s Check fee (Customers only)$5
Stop Payment$35
per item

Digital & Electronic

Consumer Bill Pay Fee$2.95
per month

Cash & Deposit

Deposited Item Returned$15

Account Services

2x5, 3x5, 5x5$30
per year
3x10, 3x11$40
per year
5x10, 5x11$50
per year
Drill and Replace Locks Fee$100
Not compared: Box drilling or key fee
Key Replacement Fee$10
Not compared: Box drilling or key fee
Safe Deposit Box 10x10$200
Safe Deposit Box 10x10$100
per year
Safe Deposit Box 13x15$300
Safe Deposit Box 15x10$300
Safe Deposit Box 2x5$60
per year
Safe Deposit Box 3x10$80
per year
Safe Deposit Box 3x5$60
per year
Safe Deposit Box 5x10$100
Safe Deposit Box 5x5$60
per year
Garnishment, IRS Levy, Interrogatory Fee$100
per item

Lending Fees

Late Payment Fee (after 30 days)$10

Retirement & IRA

IRA Administration Fee for Premature Distributions$25
IRA External Transfer Fee prior to maturity$25

Other Fees

Loan Payoff Letter$25

Fee	Amount	Basis	Note
Account Maintenance
Monthly maintenance fee	$4	per month	avoid the $4 monthly maintenance fee and unlock your rewards for that period, 12 or more qualifying debit transactions must post and settle during the calendar month
Close Account (within 6 months of opening)	$15	Not stated	None
Dormant Account Fee (charged after 24 months of inactivity)	$10	per month	None
Account Reconcilement	$20Not compared: Charged per hour; comparison unavailable	per hour	Account Reconcilement \| $20/hr
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Returned statement for invalid address	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Paid Item Fee	$35	Not stated	None
Online Bill Pay Returned Item Fee	$10	Not stated	None
Returned Item Fee	$35	Not stated	None
Sweep & Overdraft Protection Transfers (Including overdraft protection transfers from HELOC)	$10	Not stated	None
ATM & Card
Replacement Debit card	$10	Not stated	None
Wire Transfers
Domestic Wire Transfer Outgoing (Domestic) (customers only)	$30	Not stated	None
Wire Transfer Incoming (customers only)	$15	Not stated	None
Wire Transfer Outgoing (International) (customers only)	$75	Not stated	None
Check Services
Cashier’s Check fee (Customers only)	$5	Not stated	None
Stop Payment	$35	per item	None
Digital & Electronic
Consumer Bill Pay Fee	$2.95	per month	None
Cash & Deposit
Deposited Item Returned	$15	Not stated	None
Account Services
2x5, 3x5, 5x5	$30	per year	None
3x10, 3x11	$40	per year	None
5x10, 5x11	$50	per year	None
Drill and Replace Locks Fee	$100Not compared: Box drilling or key fee	Not stated	None
Key Replacement Fee	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10	$200	Not stated	None
Safe Deposit Box 10x10	$100	per year	None
Safe Deposit Box 13x15	$300	Not stated	None
Safe Deposit Box 15x10	$300	Not stated	None
Safe Deposit Box 2x5	$60	per year	None
Safe Deposit Box 3x10	$80	per year	None
Safe Deposit Box 3x5	$60	per year	None
Safe Deposit Box 5x10	$100	Not stated	None
Safe Deposit Box 5x5	$60	per year	None
Garnishment, IRS Levy, Interrogatory Fee	$100	per item	None
Lending Fees
Late Payment Fee (after 30 days)	$10	Not stated	None
Retirement & IRA
IRA Administration Fee for Premature Distributions	$25	Not stated	None
IRA External Transfer Fee prior to maturity	$25	Not stated	None
Other Fees
Loan Payoff Letter	$25	Not stated	None

Correct a fee source

Oct 14, 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.