First Bank of the Lake

Headquarters: Osage Beach, Missouri
Charter: Bank
Assets: $2.3B
Fed district: St. Louis

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

Source: its fee schedule, read Oct 29, 2026.

Explore Hamilton View published fees

Fees against the market

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

NSF / Returned Item
First Bank of the Lake: $30
First Bank of the Lake: $30
U.S. median: no median
Non-Network ATM
First Bank of the Lake: $1
First Bank of the Lake: $1
U.S. median: no median
Wire Transfer (Domestic Out)
First Bank of the Lake: $20
First Bank of the Lake: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 29, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Missouri, the St. Louis 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).
Missouri: Banks and credit unions headquartered in Missouri that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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 Bank of the Lake’s own schedules, with a source for each figure.

Account Maintenance

“New” Account Closed 180 days after opening$30
Dormant Account Fee (Account is considered dormant after 12 months of customer inactivity)$5
per month
Account Reconciliation$40
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Nonsufficient Funds (NSF) (Each item, whether paper check/draft, in-person withdrawal or other electronic means)$30
per item

ATM & Card

Foreign Automated Teller Machine (ATM)$1
per item
Replacement Debit Card$5

Wire Transfers

Domestic Wire Transfer$20
per item
Foreign Wire Transfer$90
per item

Check Services

Cashier Checks$3
per item
Money Orders$2
per item
Stop Payment (each item, whether check or ACH)$30
per item
Temporary Checks (Qty 8)$2.50

Cash & Deposit

Deposit Charge Back Item$3
per item

Account Services

Notary (customers only)No charge
Safe Deposit Boxes 3x5x21 3x10x21 5x10x21 10x10x21$15
per year
Levy or Garnishment$30
per item

Other Fees

Photocopies$0.25
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
“New” Account Closed 180 days after opening	$30	Not stated	None
Dormant Account Fee (Account is considered dormant after 12 months of customer inactivity)	$5	per month	None
Account Reconciliation	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Nonsufficient Funds (NSF) (Each item, whether paper check/draft, in-person withdrawal or other electronic means)	$30	per item	None
ATM & Card
Foreign Automated Teller Machine (ATM)	$1	per item	None
Replacement Debit Card	$5	Not stated	None
Wire Transfers
Domestic Wire Transfer	$20	per item	None
Foreign Wire Transfer	$90	per item	None
Check Services
Cashier Checks	$3	per item	None
Money Orders	$2	per item	None
Stop Payment (each item, whether check or ACH)	$30	per item	None
Temporary Checks (Qty 8)	$2.50	Not stated	None
Cash & Deposit
Deposit Charge Back Item	$3	per item	None
Account Services
Notary (customers only)	No charge	Not stated	None
Safe Deposit Boxes 3x5x21 3x10x21 5x10x21 10x10x21	$15	per year	None
Levy or Garnishment	$30	per item	None
Other Fees
Photocopies	$0.25Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 29, 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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