Adams Bank & Trust

Headquarters: Ogallala, Nebraska
Charter: Bank
Assets: $1.3B
Fed district: Kansas City

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

Source: its fee schedule, read Oct 27, 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 $8, the middle of its prices
Adams Bank & Trust: $3 to $10
Adams Bank & Trust: $3 to $10
U.S. median: no median
Overdraft (OD)
Adams Bank & Trust: $35
Adams Bank & Trust: $35
U.S. median: no median
NSF / Returned Item
Adams Bank & Trust: $35
Adams Bank & Trust: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 27, 2026View sources

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

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Published fee schedule

Amounts from Adams Bank & Trust’s own schedules, with a source for each figure.

Account Maintenance

Gosmart Checking monthly service charge$8
per month
Interest Checking Monthly service charge$10
per month
Monthly Maintenance Fee$3
per month
Monthly service charge$6
per month
Monthly service charge$8
per month
Monthly Dormant Checking Account Fee$15
per month
Monthly Dormant Savings Account Fee$15
per month
Reconcile Checking Account per Hour$30
Not compared: Charged per hour; comparison unavailable
per hour
Research per Hour$60
Not compared: Charged per hour; comparison unavailable
per hour
Monthly service fee with paper statements$8
per month
Returned Mail (per item)$2.50
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

NSF Paid Item Fee (each)$35
per item
NSF Return Item Fee (each)$35
per item
Daily Overdraft Fee$30
per day

ATM & Card

Inquiry Fee at Non-Adams Bank ATMs$2
Transfer Fee at Non-Adams Bank ATMs$2
Withdrawal Fee at Non-Adams Bank ATMs$2
Replacement of ATM/Visa Card$15

Wire Transfers

Outgoing Wire Transfer$20
Incoming Wire Transfer$20
International Wires: Outgoing$50
International Wires: Incoming$40

Check Services

Stop Payments (each)$30
per item

Cash & Deposit

Charge Back Fee per Item$7
per item

Account Services

Notary FeeNo charge
1 Lost Key$25
Not compared: Box drilling or key fee
2 Lost Keys (Drilling Fee)$200
Not compared: Box drilling or key fee
Levies and Garnishments$75
Account Verification$15

Lending Fees

30 Day Late Payment Charge$10

Retirement & IRA

One-time account establishment fee (IRA)$50
Not compared: One-time charge, not annual
one time
IRA Rollover or Transfer FeeNo charge

Other Fees

Duplicate Statements per Cycle$5
Not compared: Monthly charge, not per item
per month
Photocopies$0.25

Fee	Amount	Basis	Note
Account Maintenance
Gosmart Checking monthly service charge	$8	per month	None
Interest Checking Monthly service charge	$10	per month	None
Monthly Maintenance Fee	$3	per month	None
Monthly service charge	$6	per month	None
Monthly service charge	$8	per month	None
Monthly Dormant Checking Account Fee	$15	per month	None
Monthly Dormant Savings Account Fee	$15	per month	None
Reconcile Checking Account per Hour	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Research per Hour	$60Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly service fee with paper statements	$8	per month	None
Returned Mail (per item)	$2.50Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
NSF Paid Item Fee (each)	$35	per item	None
NSF Return Item Fee (each)	$35	per item	None
Daily Overdraft Fee	$30	per day	None
ATM & Card
Inquiry Fee at Non-Adams Bank ATMs	$2	Not stated	None
Transfer Fee at Non-Adams Bank ATMs	$2	Not stated	None
Withdrawal Fee at Non-Adams Bank ATMs	$2	Not stated	None
Replacement of ATM/Visa Card	$15	Not stated	None
Wire Transfers
Outgoing Wire Transfer	$20	Not stated	None
Incoming Wire Transfer	$20	Not stated	None
International Wires: Outgoing	$50	Not stated	None
International Wires: Incoming	$40	Not stated	None
Check Services
Stop Payments (each)	$30	per item	None
Cash & Deposit
Charge Back Fee per Item	$7	per item	None
Account Services
Notary Fee	No charge	Not stated	None
1 Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
2 Lost Keys (Drilling Fee)	$200Not compared: Box drilling or key fee	Not stated	None
Levies and Garnishments	$75	Not stated	None
Account Verification	$15	Not stated	None
Lending Fees
30 Day Late Payment Charge	$10	Not stated	None
Retirement & IRA
One-time account establishment fee (IRA)	$50Not compared: One-time charge, not annual	one time	None
IRA Rollover or Transfer Fee	No charge	Not stated	None
Other Fees
Duplicate Statements per Cycle	$5Not compared: Monthly charge, not per item	per month	None
Photocopies	$0.25	Not stated	None

Account Maintenance

Minimum balance$7
per month
Minimum balance$15
per month
Minimum balance$10
per month
Minimum balance$2
per month

Fee	Amount	Basis	Note
Account Maintenance
Minimum balance	$7	per month	None
Minimum balance	$15	per month	None
Minimum balance	$10	per month	None
Minimum balance	$2	per month	None

Correct a fee source

Oct 27, 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 $8, the middle of its prices
Adams Bank & Trust: $3 to $10
Adams Bank & Trust: $3 to $10
U.S. median: no median
Overdraft (OD)
Adams Bank & Trust: $35
Adams Bank & Trust: $35
U.S. median: no median
NSF / Returned Item
Adams Bank & Trust: $35
Adams Bank & Trust: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 27, 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).
Nebraska: Banks and credit unions headquartered in Nebraska 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 Adams Bank & Trust’s own schedules, with a source for each figure.

Account Maintenance

Gosmart Checking monthly service charge$8
per month
Interest Checking Monthly service charge$10
per month
Monthly Maintenance Fee$3
per month
Monthly service charge$6
per month
Monthly service charge$8
per month
Monthly Dormant Checking Account Fee$15
per month
Monthly Dormant Savings Account Fee$15
per month
Reconcile Checking Account per Hour$30
Not compared: Charged per hour; comparison unavailable
per hour
Research per Hour$60
Not compared: Charged per hour; comparison unavailable
per hour
Monthly service fee with paper statements$8
per month
Returned Mail (per item)$2.50
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

NSF Paid Item Fee (each)$35
per item
NSF Return Item Fee (each)$35
per item
Daily Overdraft Fee$30
per day

ATM & Card

Inquiry Fee at Non-Adams Bank ATMs$2
Transfer Fee at Non-Adams Bank ATMs$2
Withdrawal Fee at Non-Adams Bank ATMs$2
Replacement of ATM/Visa Card$15

Wire Transfers

Outgoing Wire Transfer$20
Incoming Wire Transfer$20
International Wires: Outgoing$50
International Wires: Incoming$40

Check Services

Stop Payments (each)$30
per item

Cash & Deposit

Charge Back Fee per Item$7
per item

Account Services

Notary FeeNo charge
1 Lost Key$25
Not compared: Box drilling or key fee
2 Lost Keys (Drilling Fee)$200
Not compared: Box drilling or key fee
Levies and Garnishments$75
Account Verification$15

Lending Fees

30 Day Late Payment Charge$10

Retirement & IRA

One-time account establishment fee (IRA)$50
Not compared: One-time charge, not annual
one time
IRA Rollover or Transfer FeeNo charge

Other Fees

Duplicate Statements per Cycle$5
Not compared: Monthly charge, not per item
per month
Photocopies$0.25

Fee	Amount	Basis	Note
Account Maintenance
Gosmart Checking monthly service charge	$8	per month	None
Interest Checking Monthly service charge	$10	per month	None
Monthly Maintenance Fee	$3	per month	None
Monthly service charge	$6	per month	None
Monthly service charge	$8	per month	None
Monthly Dormant Checking Account Fee	$15	per month	None
Monthly Dormant Savings Account Fee	$15	per month	None
Reconcile Checking Account per Hour	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Research per Hour	$60Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly service fee with paper statements	$8	per month	None
Returned Mail (per item)	$2.50Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
NSF Paid Item Fee (each)	$35	per item	None
NSF Return Item Fee (each)	$35	per item	None
Daily Overdraft Fee	$30	per day	None
ATM & Card
Inquiry Fee at Non-Adams Bank ATMs	$2	Not stated	None
Transfer Fee at Non-Adams Bank ATMs	$2	Not stated	None
Withdrawal Fee at Non-Adams Bank ATMs	$2	Not stated	None
Replacement of ATM/Visa Card	$15	Not stated	None
Wire Transfers
Outgoing Wire Transfer	$20	Not stated	None
Incoming Wire Transfer	$20	Not stated	None
International Wires: Outgoing	$50	Not stated	None
International Wires: Incoming	$40	Not stated	None
Check Services
Stop Payments (each)	$30	per item	None
Cash & Deposit
Charge Back Fee per Item	$7	per item	None
Account Services
Notary Fee	No charge	Not stated	None
1 Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
2 Lost Keys (Drilling Fee)	$200Not compared: Box drilling or key fee	Not stated	None
Levies and Garnishments	$75	Not stated	None
Account Verification	$15	Not stated	None
Lending Fees
30 Day Late Payment Charge	$10	Not stated	None
Retirement & IRA
One-time account establishment fee (IRA)	$50Not compared: One-time charge, not annual	one time	None
IRA Rollover or Transfer Fee	No charge	Not stated	None
Other Fees
Duplicate Statements per Cycle	$5Not compared: Monthly charge, not per item	per month	None
Photocopies	$0.25	Not stated	None

Account Maintenance

Minimum balance$7
per month
Minimum balance$15
per month
Minimum balance$10
per month
Minimum balance$2
per month

Fee	Amount	Basis	Note
Account Maintenance
Minimum balance	$7	per month	None
Minimum balance	$15	per month	None
Minimum balance	$10	per month	None
Minimum balance	$2	per month	None

Correct a fee source

Oct 27, 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.