American Heritage Bank

Headquarters: Sapulpa, Oklahoma
Charter: Bank
Assets: $1.5B
Fed district: Kansas City

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

Source: its fee schedule, read Oct 21, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Choice Checking $3 · Basic Checking $4 to $7 · American Gold Money Market $6
Compared at $4, the middle of its prices
American Heritage Bank: $3 to $7
American Heritage Bank: $3 to $7
U.S. median: no median
Overdraft (OD)
American Heritage Bank: $29.50
American Heritage Bank: $29.50
U.S. median: no median
NSF / Returned Item
American Heritage Bank: $29.50
American Heritage Bank: $29.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 21, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Oklahoma, the Kansas City 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).
Oklahoma: Banks and credit unions headquartered in Oklahoma that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from American Heritage Bank’s own schedules, with a source for each figure.

Account Maintenance

Base Fee in Service Charge$3
Monthly Base Fee in Service Charge$6
per month
Monthly Base Fee in Service Charge$4
per month
Monthly Base Fee in Service Charge$7
per month
Dormant Account$5
Account Research (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Checkbook Balancing (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
eStatements included. Paper statements optional$2
per month
Withdrawals in excess of nine (9) per quarter$5
per item
Withdrawals in excess of two (2) per month$5
per item
Return Mail$10

Overdraft & NSF

Paid Overdraft Fee$29.50
Returned NSF Fee$29.50

ATM & Card

Non-AHB ATM Locations$1.50
Card Replacement$7.50

Check Services

Cashier's Checks$2
Money Order$2
Stop Payment$25
Temporary Checks - Set of 4$1
per item

Digital & Electronic

Online Bill Pay (Monthly Fees): Each Transaction Thereafter$0.40
Not compared: Per-item charge, not monthly
per item
Online Bill Pay (Monthly Fees): First 10 Transactions$3

Cash & Deposit

Cash Advance Fee: Customer$10
Cash Advance Fee: Domestic$20

Account Services

Notary (Customers Only)No charge
Garnishments$35
Levies$10

Gift & Prepaid Cards

Gift Card$4.95

Other Fees

Copies (per page)$1
Not compared: Charged per page; comparison unavailable
per page
Copies (per page)$0.50
Not compared: Charged per page; comparison unavailable
per page
Fax (per page)$1
per item
Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Base Fee in Service Charge	$3	Not stated	None
Monthly Base Fee in Service Charge	$6	per month	None
Monthly Base Fee in Service Charge	$4	per month	None
Monthly Base Fee in Service Charge	$7	per month	None
Dormant Account	$5	Not stated	None
Account Research (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Checkbook Balancing (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
eStatements included. Paper statements optional	$2	per month	None
Withdrawals in excess of nine (9) per quarter	$5	per item	None
Withdrawals in excess of two (2) per month	$5	per item	None
Return Mail	$10	Not stated	None
Overdraft & NSF
Paid Overdraft Fee	$29.50	Not stated	None
Returned NSF Fee	$29.50	Not stated	None
ATM & Card
Non-AHB ATM Locations	$1.50	Not stated	None
Card Replacement	$7.50	Not stated	None
Check Services
Cashier's Checks	$2	Not stated	None
Money Order	$2	Not stated	None
Stop Payment	$25	Not stated	None
Temporary Checks - Set of 4	$1	per item	None
Digital & Electronic
Online Bill Pay (Monthly Fees): Each Transaction Thereafter	$0.40Not compared: Per-item charge, not monthly	per item	None
Online Bill Pay (Monthly Fees): First 10 Transactions	$3	Not stated	None
Cash & Deposit
Cash Advance Fee: Customer	$10	Not stated	None
Cash Advance Fee: Domestic	$20	Not stated	None
Account Services
Notary (Customers Only)	No charge	Not stated	None
Garnishments	$35	Not stated	None
Levies	$10	Not stated	None
Gift & Prepaid Cards
Gift Card	$4.95	Not stated	None
Other Fees
Copies (per page)	$1Not compared: Charged per page; comparison unavailable	per page	None
Copies (per page)	$0.50Not compared: Charged per page; comparison unavailable	per page	None
Fax (per page)	$1	per item	None
Statement Copy	$5	Not stated	None

Account Maintenance

Paper Statement Fee$5

Check Services

Foreign items deposited$0.10

Fee	Amount	Basis	Note
Account Maintenance
Paper Statement Fee	$5	Not stated	None
Check Services
Foreign items deposited	$0.10	Not stated	None

Correct a fee source

Oct 21, 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.

Fee change alerts

Get an email when American Heritage Bank's monthly maintenance changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Monthly Maintenance
Choice Checking $3 · Basic Checking $4 to $7 · American Gold Money Market $6
Compared at $4, the middle of its prices
American Heritage Bank: $3 to $7
American Heritage Bank: $3 to $7
U.S. median: no median
Overdraft (OD)
American Heritage Bank: $29.50
American Heritage Bank: $29.50
U.S. median: no median
NSF / Returned Item
American Heritage Bank: $29.50
American Heritage Bank: $29.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 21, 2026View sources

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).
Oklahoma: Banks and credit unions headquartered in Oklahoma that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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.

Published fee schedule

Amounts from American Heritage Bank’s own schedules, with a source for each figure.

Account Maintenance

Base Fee in Service Charge$3
Monthly Base Fee in Service Charge$6
per month
Monthly Base Fee in Service Charge$4
per month
Monthly Base Fee in Service Charge$7
per month
Dormant Account$5
Account Research (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Checkbook Balancing (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
eStatements included. Paper statements optional$2
per month
Withdrawals in excess of nine (9) per quarter$5
per item
Withdrawals in excess of two (2) per month$5
per item
Return Mail$10

Overdraft & NSF

Paid Overdraft Fee$29.50
Returned NSF Fee$29.50

ATM & Card

Non-AHB ATM Locations$1.50
Card Replacement$7.50

Check Services

Cashier's Checks$2
Money Order$2
Stop Payment$25
Temporary Checks - Set of 4$1
per item

Digital & Electronic

Online Bill Pay (Monthly Fees): Each Transaction Thereafter$0.40
Not compared: Per-item charge, not monthly
per item
Online Bill Pay (Monthly Fees): First 10 Transactions$3

Cash & Deposit

Cash Advance Fee: Customer$10
Cash Advance Fee: Domestic$20

Account Services

Notary (Customers Only)No charge
Garnishments$35
Levies$10

Gift & Prepaid Cards

Gift Card$4.95

Other Fees

Copies (per page)$1
Not compared: Charged per page; comparison unavailable
per page
Copies (per page)$0.50
Not compared: Charged per page; comparison unavailable
per page
Fax (per page)$1
per item
Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Base Fee in Service Charge	$3	Not stated	None
Monthly Base Fee in Service Charge	$6	per month	None
Monthly Base Fee in Service Charge	$4	per month	None
Monthly Base Fee in Service Charge	$7	per month	None
Dormant Account	$5	Not stated	None
Account Research (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Checkbook Balancing (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
eStatements included. Paper statements optional	$2	per month	None
Withdrawals in excess of nine (9) per quarter	$5	per item	None
Withdrawals in excess of two (2) per month	$5	per item	None
Return Mail	$10	Not stated	None
Overdraft & NSF
Paid Overdraft Fee	$29.50	Not stated	None
Returned NSF Fee	$29.50	Not stated	None
ATM & Card
Non-AHB ATM Locations	$1.50	Not stated	None
Card Replacement	$7.50	Not stated	None
Check Services
Cashier's Checks	$2	Not stated	None
Money Order	$2	Not stated	None
Stop Payment	$25	Not stated	None
Temporary Checks - Set of 4	$1	per item	None
Digital & Electronic
Online Bill Pay (Monthly Fees): Each Transaction Thereafter	$0.40Not compared: Per-item charge, not monthly	per item	None
Online Bill Pay (Monthly Fees): First 10 Transactions	$3	Not stated	None
Cash & Deposit
Cash Advance Fee: Customer	$10	Not stated	None
Cash Advance Fee: Domestic	$20	Not stated	None
Account Services
Notary (Customers Only)	No charge	Not stated	None
Garnishments	$35	Not stated	None
Levies	$10	Not stated	None
Gift & Prepaid Cards
Gift Card	$4.95	Not stated	None
Other Fees
Copies (per page)	$1Not compared: Charged per page; comparison unavailable	per page	None
Copies (per page)	$0.50Not compared: Charged per page; comparison unavailable	per page	None
Fax (per page)	$1	per item	None
Statement Copy	$5	Not stated	None

Account Maintenance

Paper Statement Fee$5

Check Services

Foreign items deposited$0.10

Fee	Amount	Basis	Note
Account Maintenance
Paper Statement Fee	$5	Not stated	None
Check Services
Foreign items deposited	$0.10	Not stated	None

Correct a fee source

Oct 21, 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.