First State Bank

Headquarters: Mendota, Illinois
Charter: Bank
Assets: $1.6B
Fed district: Chicago

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

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

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Fees against the market

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

Monthly Maintenance
First State Bank: $10
First State Bank: $10
U.S. median: no median
Overdraft (OD)
First State Bank: $35
First State Bank: $35
U.S. median: no median
NSF / Returned Item
First State Bank: $35
First State Bank: $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 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 First State Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$10
per month
Account closed within 90 days fee$50
one time
Dormant account fee (for accounts with a balance less than $1,000.00)$5
per month
Account reconciliation$35
Not compared: Charged per hour; comparison unavailable
per hour
FSBPremier paper statements$3
Statement fee / Paper Statement fee$3
per month

Overdraft & NSF

Paid item causing overdraft greater than $10.00$35
per item
Returned item unpaid (per item)$35
per item

ATM & Card

ATM withdrawal fee (FSB Debit or ATM Card used at a non-FSB ATM)$3.50
Cancelled check or balance inquiry$1
Debit or ATM card replacement (standard or instant issue)$5
Debit or ATM card rush delivery service$50

Wire Transfers

Wire transfers: Domestic - outgoing$30
Wire transfers: Domestic - incoming$15

Check Services

Non-customer cashier’s checks (cash only – not available at all locations)$8
Stop Payment$33
Collections: checks, drafts, or other misc. items for collection$20

Digital & Electronic

ACH – origination for non-cash management users$25

Account Services

Cook County Deed Notary$25
Notary Public service$1
Not compared: Charged per document; comparison unavailable
per document
Lost key$8
Not compared: Box drilling or key fee
Legal Document Processing (levies, garnishments, etc.)$125

Other Fees

Fax services: Incoming$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$10	per month	None
Account closed within 90 days fee	$50	one time	None
Dormant account fee (for accounts with a balance less than $1,000.00)	$5	per month	None
Account reconciliation	$35Not compared: Charged per hour; comparison unavailable	per hour	None
FSBPremier paper statements	$3	Not stated	None
Statement fee / Paper Statement fee	$3	per month	None
Overdraft & NSF
Paid item causing overdraft greater than $10.00	$35	per item	None
Returned item unpaid (per item)	$35	per item	None
ATM & Card
ATM withdrawal fee (FSB Debit or ATM Card used at a non-FSB ATM)	$3.50	Not stated	None
Cancelled check or balance inquiry	$1	Not stated	None
Debit or ATM card replacement (standard or instant issue)	$5	Not stated	None
Debit or ATM card rush delivery service	$50	Not stated	None
Wire Transfers
Wire transfers: Domestic - outgoing	$30	Not stated	None
Wire transfers: Domestic - incoming	$15	Not stated	None
Check Services
Non-customer cashier’s checks (cash only – not available at all locations)	$8	Not stated	None
Stop Payment	$33	Not stated	None
Collections: checks, drafts, or other misc. items for collection	$20	Not stated	None
Digital & Electronic
ACH – origination for non-cash management users	$25	Not stated	None
Account Services
Cook County Deed Notary	$25	Not stated	None
Notary Public service	$1Not compared: Charged per document; comparison unavailable	per document	None
Lost key	$8Not compared: Box drilling or key fee	Not stated	None
Legal Document Processing (levies, garnishments, etc.)	$125	Not stated	None
Other Fees
Fax services: Incoming	$1	per item	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.

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