vs. U.S. typical range:LowerTypicalHigher
$6 below the national median$4 below the Idaho median
per month · Source
per month · Source
At the national medianAt the Idaho median
per month · Source
$10.50 below the national median$11.75 below the Idaho median
per item · Per item basis · Institution’s schedule
$10.50 below the national median$11.75 below the Idaho median
per item · Source
$7.50 below the national median$8.75 below the Idaho median
per transaction · Source
per day · Institution’s schedule
per day · Institution’s schedule
$5 above the national median$3.75 above the Idaho median
At the national median$2 above the Idaho median
$5 below the national median$3 below the Idaho median
$2 below the national median$1.75 below the Idaho median
$2.50 below the national median$10 below the Idaho median
$25 below the national medianAt the Idaho median
$25 above the national median$50 above the Idaho median
per item · Source
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Red Rewards Checking Monthly service charge | $0Below the typical range ($4–$10 nationally) | $6 below the national median$4 below the Idaho median | per month | — | Source |
| Service fee (average daily balance for the month falls below $1,000.00) | $10Within the typical range ($5–$10 nationally) | $3 above the national median | per month | — | Source |
| Dormant account fee | $5Within the typical range ($5–$10 nationally) | At the national medianAt the Idaho median | per month | — | Source |
| Account Research (per item) | $7Below the typical range ($12–$25 nationally) | $10.50 below the national median$11.75 below the Idaho median | per item | Per item basis | Institution’s schedule |
| Account research: the lesser of: Per item | $7Below the typical range ($12–$25 nationally) | $10.50 below the national median$11.75 below the Idaho median | per item | — | Source |
| Excess withdrawal fee (MMDA) | $10Below the typical range ($12–$25 nationally) | $7.50 below the national median$8.75 below the Idaho median | per transaction | — | Source |
Overdraft & NSFVerified | |||||
| Nonsufficient Funds Daily Cap | $100Within the typical range ($98.50–$168.75 nationally) | $25 below the national median | per day | — | Institution’s schedule |
| Overdraft Daily Cap | $150 | ||||
Wire TransfersVerified | |||||
| Wire Transfers: Incoming | $15Within the typical range ($5–$15 nationally) | $5 above the national median$3.75 above the Idaho median | — | — | Source |
Check ServicesVerified | |||||
| Cashier's Check | $5Within the typical range ($3–$6 nationally) | At the national median$2 above the Idaho median | — | — | Source |
| Free cashier’s checks (Gem State Checking) | $0 | ||||
Digital & ElectronicVerified | |||||
| Bill Pay (Consumer) | $0Within the typical range ($0–$9.95 nationally) | $2.50 below the national median$10 below the Idaho median | — | — | Source |
Account ServicesVerified | |||||
| Notary Service | $0Within the typical range ($0–$5 nationally) | $2.50 below the national median | — | — | Source |
| Lost Key | $20Below the typical range ($30–$70 nationally) | ||||
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Headline fees vs. national median
Headline fees published
4 of 15
Published fees
17
Under review
0
Assets
$1.4B
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Financial Context
Financials as of Q2 2026 · FDIC call report
Total assets
$1.4B
Total deposits
$1.3B
Service charge income
$551K
Fee income ratio
3.1%
Return on assets
1.56%
Branches
14
Service charge income by quarter
Financial profile · Pro
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| $25 above the national median |
| per day |
| — |
| Institution’s schedule |
| $5 below the national median$3 below the Idaho median |
| — |
| — |
| Source |
| Free money orders (Gem State Checking) | $0Below the typical range ($1.50–$3 nationally) | $2 below the national median$1.75 below the Idaho median | — | — | Source |
| Free checks (Gem State Checking) | $0Within the typical range ($0–$15 nationally) | $1.25 below the national median | — | — | Source |
| $25 below the national medianAt the Idaho median |
| — |
| — |
| Source |
| Garnishments, Levies, and Attachments (Each) | $75Within the typical range ($30–$87.50 nationally) | $25 above the national median$50 above the Idaho median | per item | — | Source |