Blackhawk Bank & Trust

Headquarters: Milan, Illinois
Charter: Bank
Assets: $2.0B
Fed district: Chicago

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

Source: its fee schedule, read Oct 13, 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 ACCOUNT $3 · ESSENTIAL CHECKING $5 to $15 · ECONOMY CHECKING ACCOUNT $7
Compared at $7, the middle of its prices
Blackhawk Bank & Trust: $3 to $15
Blackhawk Bank & Trust: $3 to $15
U.S. median: no median
Overdraft (OD)
Blackhawk Bank & Trust: $32
Blackhawk Bank & Trust: $32
U.S. median: no median
NSF / Returned Item
Blackhawk Bank & Trust: $32
Blackhawk Bank & Trust: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 13, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Illinois, the Chicago 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).
Illinois: Banks and credit unions headquartered in Illinois that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 Blackhawk Bank & Trust’s own schedules, with a source for each figure.

Account Maintenance

Economy Checking Account Monthly maintenance fee$7
per month · waived if a Direct Deposit is made to this account every month
Regular Checking Account Service charge$3
per month
This account contains a monthly service charge$15
per month
This account contains a monthly service charge$10
per month
This account contains a monthly service charge$5
per month
Monthly minimum balance fee$3
per month
Monthly minimum balance fee$5
per month
Service fee for any account closed within sixty (60) days$15
Monthly dormant account fee$10
per month
Monthly dormant account fee$2
per month
Monthly dormant account fee$3
per month
Monthly inactivity fee$5
per month
Monthly paper statement fee$5
per month

Overdraft & NSF

NSF paid item fee (Checking)$32
per item
NSF returned item fee (Checking)$32
per item

ATM & Card

Foreign ATM transactions fee$1.50
per transaction
Replacement personalized card$10
Foreign Transaction Fee1%of the transaction
MasterCard Foreign Transaction Fee1%of the transaction
per transaction

Wire Transfers

Outgoing wire transfer fee$23
Incoming wire transfer feeNo charge
Incoming wire, BMO$21.50
Incoming wire, Western Union$20
International/Foreign wire transfer fee$58

Check Services

Money orders: customers only$4
per item
Stop payment request: with information$32
per item
Temporary checks (per set of four (4))$2
Canadian item fee$5
per item
Collection items$15
per item
Check images returned with paper statements$2

Digital & Electronic

Basic Bill PayNo charge

Cash & Deposit

Coin counting fee1%($3 minimum)
Coin counting fee: customersNo charge
Returned deposit items$5
per item

Account Services

Safe Deposit Box 10 x 10 x 22$78
Safe Deposit Box 3 x 10 x 22$32
Safe Deposit Box 3 x 5 x 22$18
Safe Deposit Box 4 x 5 x 22$21
Safe Deposit Box 5 x 10 x 22$48
Safe Deposit Box 5 x 5 x 22$26
Safe deposit box keys lost$30
Not compared: Box drilling or key fee
per item
Safe deposit box late fee (once annually)$12
Not compared: Box drilling or key fee
per year
Processing of levies or garnishments$70
per item

Retirement & IRA

IRA external transfer fee$25

Fee	Amount	Basis	Note
Account Maintenance
Economy Checking Account Monthly maintenance fee	$7	per month	waived if a Direct Deposit is made to this account every month
Regular Checking Account Service charge	$3	per month	None
This account contains a monthly service charge	$15	per month	None
This account contains a monthly service charge	$10	per month	None
This account contains a monthly service charge	$5	per month	None
Monthly minimum balance fee	$3	per month	None
Monthly minimum balance fee	$5	per month	None
Service fee for any account closed within sixty (60) days	$15	Not stated	None
Monthly dormant account fee	$10	per month	None
Monthly dormant account fee	$2	per month	None
Monthly dormant account fee	$3	per month	None
Monthly inactivity fee	$5	per month	None
Monthly paper statement fee	$5	per month	None
Overdraft & NSF
NSF paid item fee (Checking)	$32	per item	None
NSF returned item fee (Checking)	$32	per item	None
ATM & Card
Foreign ATM transactions fee	$1.50	per transaction	None
Replacement personalized card	$10	Not stated	None
Foreign Transaction Fee	1%of the transaction	Not stated	None
MasterCard Foreign Transaction Fee	1%of the transaction	per transaction	None
Wire Transfers
Outgoing wire transfer fee	$23	Not stated	None
Incoming wire transfer fee	No charge	Not stated	None
Incoming wire, BMO	$21.50	Not stated	None
Incoming wire, Western Union	$20	Not stated	None
International/Foreign wire transfer fee	$58	Not stated	None
Check Services
Money orders: customers only	$4	per item	None
Stop payment request: with information	$32	per item	None
Temporary checks (per set of four (4))	$2	Not stated	None
Canadian item fee	$5	per item	None
Collection items	$15	per item	None
Check images returned with paper statements	$2	Not stated	None
Digital & Electronic
Basic Bill Pay	No charge	Not stated	None
Cash & Deposit
Coin counting fee	1%($3 minimum)	Not stated	None
Coin counting fee: customers	No charge	Not stated	None
Returned deposit items	$5	per item	None
Account Services
Safe Deposit Box 10 x 10 x 22	$78	Not stated	None
Safe Deposit Box 3 x 10 x 22	$32	Not stated	None
Safe Deposit Box 3 x 5 x 22	$18	Not stated	None
Safe Deposit Box 4 x 5 x 22	$21	Not stated	None
Safe Deposit Box 5 x 10 x 22	$48	Not stated	None
Safe Deposit Box 5 x 5 x 22	$26	Not stated	None
Safe deposit box keys lost	$30Not compared: Box drilling or key fee	per item	None
Safe deposit box late fee (once annually)	$12Not compared: Box drilling or key fee	per year	None
Processing of levies or garnishments	$70	per item	None
Retirement & IRA
IRA external transfer fee	$25	Not stated	None

Correct a fee source

Oct 13, 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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