Citizens Bank

Headquarters: Mukwonago, Wisconsin
Charter: Bank
Assets: $1.2B
Fed district: Chicago

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

Source: its fee schedule, read Nov 3, 2026.

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Fees against the market

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

Monthly Maintenance
Mukwonago Checking $4 · Cash Back Checking $10
Compared at $7, the middle of its prices
Citizens Bank: $4 to $10
Citizens Bank: $4 to $10
U.S. median: no median
Non-Network ATM
Citizens Bank: $2
Citizens Bank: $2
U.S. median: no median
Stop Payment
Citizens Bank: $35
Citizens Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Wisconsin, 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).
Wisconsin: Banks and credit unions headquartered in Wisconsin 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 Citizens Bank’s own schedules, with a source for each figure.

Account Maintenance

Cash Back Checking Monthly Maintenance Fees$10
per month
Maintenance fee (Mukwonago Checking)$4
per month
Other: Inactivity Fee$5
per month
Account Reconciliation (½ hour minimum)$30
Not compared: Charged per hour; comparison unavailable
per hour
Account Services: Account Research (½ hour minimum)$30
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Sweep Fee – Overdraft$8
per item

ATM & Card

ATM Transaction – Non-Citizens Bank ATM1$2
per item
ATMs not owned by Citizens Bank$2
per transaction
Replace ATM or Debit Card$10
Replace ATM or Debit Card – Rush Fee$45
Transactions: Replace Debit Card – Rush Fee$45

Wire Transfers

Wire Transfers: International – Incoming$15
per item

Check Services

Cashier’s Check – Amounts over $200 (Bank customers only)$7
per item
Money Order (Bank customers only)$5
per item
Stop Payment on ACH Transaction$35
per item
Stop Payment on Check$35
per item
Check Cashing for Non-Customers$8
per item
Canadian Checks Deposited in U.S. Dollars$7
per item
Duplicate Copies of Items (audience not stated, treated as personal)$5
per item

Digital & Electronic

ACH Item Returned Unauthorized$17
per item

Cash & Deposit

Coin Counting – CustomerNo charge
Transactions: Key Replacement – Night Deposit$25
per item

Account Services

Notary – CustomerNo charge
Notary – Non-Customer$5
per item
Drilling Fee$225
Not compared: Box drilling or key fee
Late Fee (27 days past due)$10
Not compared: Box drilling or key fee
per item
Replace Lost Key$50
Not compared: Box drilling or key fee
Safe Deposit Box 10” x 10”$80
per year
Safe Deposit Box 10” x 10” (audience not stated, treated as personal)$80
per year
Safe Deposit Box 3” x 10”$45
per year
Safe Deposit Box 3” x 10” (audience not stated, treated as personal)$45
per year
Safe Deposit Box 5” x 10”$55
per year
Safe Deposit Box 5” x 10” (audience not stated, treated as personal)$55
per year
Safe Deposit Box 5” x 5”$35
per year
Safe Deposit Box 5” x 5” (audience not stated, treated as personal)$35
per year
Legal Processing (Including garnishments & levies)$100
per item

Other Fees

Photocopies$0.25
Not compared: Charged per page; comparison unavailable
per page
Recording / Legal / Payoff Statement Fee$15

Fee	Amount	Basis	Note
Account Maintenance
Cash Back Checking Monthly Maintenance Fees	$10	per month	None
Maintenance fee (Mukwonago Checking)	$4	per month	None
Other: Inactivity Fee	$5	per month	None
Account Reconciliation (½ hour minimum)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Account Services: Account Research (½ hour minimum)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Sweep Fee – Overdraft	$8	per item	None
ATM & Card
ATM Transaction – Non-Citizens Bank ATM1	$2	per item	None
ATMs not owned by Citizens Bank	$2	per transaction	None
Replace ATM or Debit Card	$10	Not stated	None
Replace ATM or Debit Card – Rush Fee	$45	Not stated	None
Transactions: Replace Debit Card – Rush Fee	$45	Not stated	None
Wire Transfers
Wire Transfers: International – Incoming	$15	per item	None
Check Services
Cashier’s Check – Amounts over $200 (Bank customers only)	$7	per item	None
Money Order (Bank customers only)	$5	per item	None
Stop Payment on ACH Transaction	$35	per item	None
Stop Payment on Check	$35	per item	None
Check Cashing for Non-Customers	$8	per item	None
Canadian Checks Deposited in U.S. Dollars	$7	per item	None
Duplicate Copies of Items (audience not stated, treated as personal)	$5	per item	None
Digital & Electronic
ACH Item Returned Unauthorized	$17	per item	None
Cash & Deposit
Coin Counting – Customer	No charge	Not stated	None
Transactions: Key Replacement – Night Deposit	$25	per item	None
Account Services
Notary – Customer	No charge	Not stated	None
Notary – Non-Customer	$5	per item	None
Drilling Fee	$225Not compared: Box drilling or key fee	Not stated	None
Late Fee (27 days past due)	$10Not compared: Box drilling or key fee	per item	None
Replace Lost Key	$50Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10” x 10”	$80	per year	None
Safe Deposit Box 10” x 10” (audience not stated, treated as personal)	$80	per year	None
Safe Deposit Box 3” x 10”	$45	per year	None
Safe Deposit Box 3” x 10” (audience not stated, treated as personal)	$45	per year	None
Safe Deposit Box 5” x 10”	$55	per year	None
Safe Deposit Box 5” x 10” (audience not stated, treated as personal)	$55	per year	None
Safe Deposit Box 5” x 5”	$35	per year	None
Safe Deposit Box 5” x 5” (audience not stated, treated as personal)	$35	per year	None
Legal Processing (Including garnishments & levies)	$100	per item	None
Other Fees
Photocopies	$0.25Not compared: Charged per page; comparison unavailable	per page	None
Recording / Legal / Payoff Statement Fee	$15	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 3, 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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