15 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 28, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $3, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Iowa, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Amounts from First National Bank, Ames, Iowa’s own schedules, with a source for each figure.
per month
per month
per month
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Basic Monthly Maintenance Charge | $10 | per month | None |
| Maintenance fee (audience not stated, treated as personal) | $3 | per month | None |
| No minimum balance or monthly fee (audience not stated, treated as personal) | No charge | per month | None |
| Account closed within six months of opening (audience not stated, treated as personal) | $20 | Not stated | None |
| Dormant account monthly fee (audience not stated, treated as personal) | $10 | per month | None |
| Account research (audience not stated, treated as personal) | $35 | Not stated | None |
| Excess Withdrawals (audience not stated, treated as personal) | $1 | per item | None |
| Undeliverable Mail (audience not stated, treated as personal) | $5 | Not stated | None |
Overdraft & NSF | |||
| Tier 1-First Overdraft/returned item (audience not stated, treated as personal) | $15 | Not stated | None |
| Tier 1-First Overdraft/returned item (audience not stated, treated as personal) | $15 | Not stated | None |
ATM & Card | |||
| ATM or debit card replacement/additional cards (audience not stated, treated as personal) | $10 | Not stated | None |
Check Services | |||
| Stop payments (audience not stated, treated as personal) | $25 | per item | None |
| Check images with statement (audience not stated, treated as personal) | $2 | Not stated | None |
Digital & Electronic | |||
| Online Bill Pay Service (audience not stated, treated as personal) | No charge | Not stated | None |
Cash & Deposit | |||
| Returned deposit item (audience not stated, treated as personal) | $5 | Not stated | None |
Account Services | |||
| Box Drilling | $175Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 12” x 16” size (audience not stated, treated as personal) | $233 | Not stated | None |
| Garnishment (audience not stated, treated as personal) | $25 | Not stated | None |
| Tax Levy (audience not stated, treated as personal) | $25 | 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
Oct 28, 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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