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, $1B to $10B

Think Mutual Bank

Rochester, MinnesotaBankMinneapolis 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

Dormant Account Monthly Service Charge$5Within the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Nonsufficient Funds Fee$22Below the typical range ($25–$31 nationally)
$8 below the national median
per item · Source
Overdraft Fee$22Below the typical range ($25–$31 nationally)
$8 below the national median
per item · Source
Sustained Overdraft Charge$5Within the typical range ($5–$20 nationally)
At the national median
Source

ATM & CardVerified

Debit Card Replacement Fee$5Within the typical range ($5–$10 nationally)
$5 below the national median
Source

Check ServicesVerified

Cashier's Check$0Below the typical range ($3–$5 nationally)
$5 below the national median
Source
Money Order$1.75Within the typical range ($1.50–$3 nationally)
$0.25 below the national median
Source
Stop Payment Charge$27Within the typical range ($20–$30 nationally)
$2 above the national median
Source
Temporary Checks – Set of 10$2Within the typical range ($1–$4 nationally)
At the national median
Source

Digital & ElectronicVerified

Same Day ACH Origination Fee$5Within the typical range ($5–$20 nationally)
$5 below the national median
Source

Cash & DepositVerified

Chargeback Fee$5Below the typical range ($10–$25 nationally)
$10 below the national median
Source

Other FeesVerified

Overnight Mail Handling Fee$20Within the typical range ($20–$43.75 nationally)
$7.75 below the national median
Source
Statement Copy$2Within the typical range ($2–$5 nationally)
$1 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Account Monthly Service Charge	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Overdraft & NSFVerified
Nonsufficient Funds Fee	$22Below the typical range ($25–$31 nationally)	$8 below the national median	per item	—	Source
Overdraft Fee	$22
ATM & CardVerified
Debit Card Replacement Fee	$5Within the typical range ($5–$10 nationally)	$5 below the national median	—	—	Source
Check ServicesVerified
Cashier's Check	$0Below the typical range ($3–$5 nationally)	$5 below the national median	—	—	Source
Money Order	$1.75Within the typical range ($1.50–$3 nationally)
Digital & ElectronicVerified
Same Day ACH Origination Fee	$5Within the typical range ($5–$20 nationally)	$5 below the national median	—	—	Source
Cash & DepositVerified
Chargeback Fee	$5Below the typical range ($10–$25 nationally)	$10 below the national median	—	—	Source
Other FeesVerified
Overnight Mail Handling Fee	$20Within the typical range ($20–$43.75 nationally)	$7.75 below the national median	—	—	Source
Statement Copy	$2

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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

$22

Overdraft fee: $22

27% below the national median overdraft fee

Total fees: 13 — leaner than most institutions

Headline fees published

6 of 15

Published fees

Under review

Assets

$2.2B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$2.2B

Total deposits

$1.9B

Service charge income

$269K

Fee income ratio

1.2%

Return on assets

0.71%

Branches

Service charge income by quarter

Q2 2026$269K

Q1 2026$285K

Q4 2025$283K

Q3 2025$281K

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 32,718 verified fees from 2,439 institutions

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