First State Bank

Headquarters: Eastpointe, Michigan
Charter: Bank
Assets: $1.3B
Fed district: Chicago

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

Source: its fee schedule, read Nov 4, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $4, the middle of its prices
First State Bank: $2 to $14
First State Bank: $2 to $14
U.S. median: no median
Dormant Account
First State Bank: $10
First State Bank: $10
U.S. median: no median
Excess Withdrawals
First State Bank: $10
First State Bank: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Michigan, 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).
Michigan: Banks and credit unions headquartered in Michigan 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 Service Charge$3
per month
Monthly Service Charge$2
per month
Monthly Service Fee$5
per month
Monthly Service Fee$14
per month
Inactivity Fee$10
Excess Debit$10
per item

Lending Fees

Underwriting fee$150
one time

Other Fees

Home Equity Line of Credit annual fee$85
Not compared: Annual charge, not per item
per year
Property tax service fee$90
one time

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Charge	$3	per month	None
Monthly Service Charge	$2	per month	None
Monthly Service Fee	$5	per month	None
Monthly Service Fee	$14	per month	None
Inactivity Fee	$10	Not stated	None
Excess Debit	$10	per item	None
Lending Fees
Underwriting fee	$150	one time	None
Other Fees
Home Equity Line of Credit annual fee	$85Not compared: Annual charge, not per item	per year	None
Property tax service fee	$90	one time	None

Overdraft & NSF

Overdraft Privilege fee (items greater than $20)$34
per item
NSF fee (transactions $20 or less)$10
per item
NSF fee (transactions greater than $20)$34
per item
Extended overdraft fee$7
per day

Lending Fees

Underwriting fee$150
one time

Other Fees

Home Equity Line of Credit annual fee$85
Not compared: Annual charge, not per item
per year
Property tax service fee$90
one time

Fee	Amount	Basis	Note
Overdraft & NSF
Overdraft Privilege fee (items greater than $20)	$34	per item	None
NSF fee (transactions $20 or less)	$10	per item	None
NSF fee (transactions greater than $20)	$34	per item	None
Extended overdraft fee	$7	per day	None
Lending Fees
Underwriting fee	$150	one time	None
Other Fees
Home Equity Line of Credit annual fee	$85Not compared: Annual charge, not per item	per year	None
Property tax service fee	$90	one time	None

Correct a fee source

Nov 4, 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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Fees against the market

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

Monthly Maintenance
Compared at $4, the middle of its prices
First State Bank: $2 to $14
First State Bank: $2 to $14
U.S. median: no median
Dormant Account
First State Bank: $10
First State Bank: $10
U.S. median: no median
Excess Withdrawals
First State Bank: $10
First State Bank: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Michigan, 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).
Michigan: Banks and credit unions headquartered in Michigan 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.

Published fee schedule

Amounts from First State Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Charge$3
per month
Monthly Service Charge$2
per month
Monthly Service Fee$5
per month
Monthly Service Fee$14
per month
Inactivity Fee$10
Excess Debit$10
per item

Lending Fees

Underwriting fee$150
one time

Other Fees

Home Equity Line of Credit annual fee$85
Not compared: Annual charge, not per item
per year
Property tax service fee$90
one time

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Charge	$3	per month	None
Monthly Service Charge	$2	per month	None
Monthly Service Fee	$5	per month	None
Monthly Service Fee	$14	per month	None
Inactivity Fee	$10	Not stated	None
Excess Debit	$10	per item	None
Lending Fees
Underwriting fee	$150	one time	None
Other Fees
Home Equity Line of Credit annual fee	$85Not compared: Annual charge, not per item	per year	None
Property tax service fee	$90	one time	None

Overdraft & NSF

Overdraft Privilege fee (items greater than $20)$34
per item
NSF fee (transactions $20 or less)$10
per item
NSF fee (transactions greater than $20)$34
per item
Extended overdraft fee$7
per day

Lending Fees

Underwriting fee$150
one time

Other Fees

Home Equity Line of Credit annual fee$85
Not compared: Annual charge, not per item
per year
Property tax service fee$90
one time

Fee	Amount	Basis	Note
Overdraft & NSF
Overdraft Privilege fee (items greater than $20)	$34	per item	None
NSF fee (transactions $20 or less)	$10	per item	None
NSF fee (transactions greater than $20)	$34	per item	None
Extended overdraft fee	$7	per day	None
Lending Fees
Underwriting fee	$150	one time	None
Other Fees
Home Equity Line of Credit annual fee	$85Not compared: Annual charge, not per item	per year	None
Property tax service fee	$90	one time	None

Correct a fee source

Nov 4, 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.