The Citizens National Bank of Bluffton

Headquarters: Bluffton, Ohio
Charter: Bank
Assets: $1.1B
Fed district: Cleveland

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

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

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

Monthly Maintenance
Performance Checking $10 to $15
Compared at $12.50, the middle of its prices
The Citizens National Bank of Bluffton: $10 to $15
The Citizens National Bank of Bluffton: $10 to $15
U.S. median: no median
Overdraft (OD)
The Citizens National Bank of Bluffton: $35
The Citizens National Bank of Bluffton: $35
U.S. median: no median
OD Protection Transfer
The Citizens National Bank of Bluffton: $8
The Citizens National Bank of Bluffton: $8
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland 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).
Ohio: Banks and credit unions headquartered in Ohio that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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 The Citizens National Bank of Bluffton’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$10
per month
Monthly Maintenance$15
per month

Overdraft & NSF

"Overdraft Fee - Paid Item"$35
per item
"Continuous Overdraft Charge"$5
per day
"Overdraft Protection Transfer Charge"$8
"Overdraft Fee - Returned Item" daily maximum (audience not stated, treated as personal)$140
per day

Cash & Deposit

"Returned Deposit/Cashed Check"$10
per item

Gift & Prepaid Cards

Visa gift card purchase fee$4.95
per transaction

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$10	per month	None
Monthly Maintenance	$15	per month	None
Overdraft & NSF
"Overdraft Fee - Paid Item"	$35	per item	None
"Continuous Overdraft Charge"	$5	per day	None
"Overdraft Protection Transfer Charge"	$8	Not stated	None
"Overdraft Fee - Returned Item" daily maximum (audience not stated, treated as personal)	$140	per day	None
Cash & Deposit
"Returned Deposit/Cashed Check"	$10	per item	None
Gift & Prepaid Cards
Visa gift card purchase fee	$4.95	per transaction	None

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

Wire Transfers

Incoming Wire Transfers$20

Gift & Prepaid Cards

Free Visa Gift Cards$4.95

Fee	Amount	Basis	Note
Wire Transfers
Incoming Wire Transfers	$20	Not stated	None
Gift & Prepaid Cards
Free Visa Gift Cards	$4.95	Not stated	None

Correct a fee source

Oct 15, 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

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Fees against the market

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

Monthly Maintenance
Performance Checking $10 to $15
Compared at $12.50, the middle of its prices
The Citizens National Bank of Bluffton: $10 to $15
The Citizens National Bank of Bluffton: $10 to $15
U.S. median: no median
Overdraft (OD)
The Citizens National Bank of Bluffton: $35
The Citizens National Bank of Bluffton: $35
U.S. median: no median
OD Protection Transfer
The Citizens National Bank of Bluffton: $8
The Citizens National Bank of Bluffton: $8
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland 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).
Ohio: Banks and credit unions headquartered in Ohio that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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 The Citizens National Bank of Bluffton’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$10
per month
Monthly Maintenance$15
per month

Overdraft & NSF

"Overdraft Fee - Paid Item"$35
per item
"Continuous Overdraft Charge"$5
per day
"Overdraft Protection Transfer Charge"$8
"Overdraft Fee - Returned Item" daily maximum (audience not stated, treated as personal)$140
per day

Cash & Deposit

"Returned Deposit/Cashed Check"$10
per item

Gift & Prepaid Cards

Visa gift card purchase fee$4.95
per transaction

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$10	per month	None
Monthly Maintenance	$15	per month	None
Overdraft & NSF
"Overdraft Fee - Paid Item"	$35	per item	None
"Continuous Overdraft Charge"	$5	per day	None
"Overdraft Protection Transfer Charge"	$8	Not stated	None
"Overdraft Fee - Returned Item" daily maximum (audience not stated, treated as personal)	$140	per day	None
Cash & Deposit
"Returned Deposit/Cashed Check"	$10	per item	None
Gift & Prepaid Cards
Visa gift card purchase fee	$4.95	per transaction	None

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

Wire Transfers

Incoming Wire Transfers$20

Gift & Prepaid Cards

Free Visa Gift Cards$4.95

Fee	Amount	Basis	Note
Wire Transfers
Incoming Wire Transfers	$20	Not stated	None
Gift & Prepaid Cards
Free Visa Gift Cards	$4.95	Not stated	None

Correct a fee source

Oct 15, 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.