vs. U.S. typical range:LowerTypicalHigher
$19 above the national median$18.52 above the North Dakota median
per month · Source
$4 above the national median$3.52 above the North Dakota median
per month · Source
$2.05 below the national median$2.05 below the North Dakota median
per month · Source
At the national medianAt the North Dakota median
per month · Source
$7.50 above the national median$6.25 above the North Dakota median
$12.50 below the national median$13.75 below the North Dakota median
At the national medianAt the North Dakota median
per item · Source
At the national median$0.02 above the North Dakota median
per item · Source
$20 below the national median$19.98 below the North Dakota median
per item · Source
$25 above the national medianAt the North Dakota median
$5 below the national median$5 below the North Dakota median
$0.05 below the national median$0.05 below the North Dakota median
At the national median$5 above the North Dakota median
At the national medianAt the North Dakota median
At the national medianAt the North Dakota median
$5 above the national median$5 above the North Dakota median
$2.50 above the national median$5 above the North Dakota median
per item · Source
$10 below the national median$15 below the North Dakota median
per month · Source
$7.50 above the national median$10 above the North Dakota median
per month · Source
$11 below the national median$1 below the North Dakota median
per item · Source
$30 below the national median$23.75 below the North Dakota median
$1.45 above the national median$1.45 above the North Dakota median
$6.50 above the national median$6.50 above the North Dakota median
$1.45 above the national median$1.45 above the North Dakota median
$1 below the national medianAt the North Dakota median
per item · Source
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Monthly service fee | $25Above the typical range ($4–$10 nationally) | $19 above the national median$18.52 above the North Dakota median | per month | — | Source |
| Monthly service fee | $10Within the typical range ($4–$10 nationally) | $4 above the national median$3.52 above the North Dakota median | per month | — | Source |
| 12 Months of Inactivity | $2.95Below the typical range ($5–$10 nationally) | $2.05 below the national median$2.05 below the North Dakota median | per month | — | Source |
| Dormant DDA account monthly fee after 12 months of inactivity | $5Within the typical range ($5–$10 nationally) | At the national medianAt the North Dakota median | per month | — | Source |
| Account research/ reconciliation | $25Within the typical range ($12–$25 nationally) | $7.50 above the national median$6.25 above the North Dakota median | — | — | Source |
| Returned mail fee where no forwarding address is provided | $5Below the typical range ($12–$25 nationally) | $12.50 below the national median$13.75 below the North Dakota median | — | — | Source |
Overdraft & NSFVerified | |||||
| Overdraft (OD) or Non-sufficient Funds (NSF) item - account overdrawn more than $5.00 Fees for | $30Within the typical range ($25–$33 nationally) | At the national medianAt the North Dakota median | per item | — | Source |
| Fees for overdrafts and non-sufficient | $30 | ||||
ATM & CardVerified | |||||
| VISA Reloadable Card - ATM Withdrawal Fees | $1.50Within the typical range ($1–$2.25 nationally) | At the national median | — | — | Source |
| VISA Reloadable Card – ATM Balance Inquiry | $0.50 | ||||
Wire TransfersVerified | |||||
| WIRE TRANSFERS: Domestic Outgoing | $25Within the typical range ($20–$25 nationally) | At the national median$5 above the North Dakota median | — | — | Source |
| WIRE TRANSFERS: Foreign Outgoing | $50 | ||||
Check ServicesVerified | |||||
| Cashier check | $5Within the typical range ($3–$6 nationally) | At the national medianAt the North Dakota median | — | — | Source |
| Certified check | $10 | ||||
Digital & ElectronicVerified | |||||
| ACH Origination Services – initiate payroll, direct billing, or | $25Above the typical range ($5–$20 nationally) | $15 above the national median | per month | — | Source |
| Business bill pay with basic online banking | $10 | ||||
Cash & DepositVerified | |||||
| Coin counting/rolling fee (non-customers only) | $2Within the typical range ($0–$3 nationally) | $2 above the national median | — | — | Source |
| Returned deposit item fee | $4 | ||||
Account ServicesVerified | |||||
| Lost Safe Deposit Box Key | $15Below the typical range ($30–$70 nationally) | $30 below the national median$23.75 below the North Dakota median | — | — | Source |
Gift & Prepaid CardsVerified | |||||
| VISA Gift Card – Purchase Fee | $4.95Within the typical range ($3–$4.95 nationally) | $1.45 above the national median$1.45 above the North Dakota median | — | — | Source |
| VISA Reloadable Card – Online Reload Fee | $10 | ||||
Other FeesVerified | |||||
| Document copies | $2Within the typical range ($2–$5 nationally) | $1 below the national medianAt the North Dakota median | per item | — | Source |
Its state has too few comparable institutions, so these are its Fed district peers.
Overdraft
$30.00
Of 62 others that publish it, 24 lower, 21 the same and 17 higher.
Monthly maintenance
$17.50
Of 58 others that publish it, 56 lower and 2 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$30
Headline fees published
10 of 15
Published fees
30
Under review
0
Assets
$1.1B
Work at Bank Forward? See every fee vs. your peers.
Fee Insight Pro
Need this every month, for your whole team?
Pro gives up to 5 people the Hamilton workspace: your fees against peers you pick, a watchlist of competitor fee changes, and cited board-ready reports.
Financial Context
Financials as of Q2 2026 · FDIC call report
Total assets
$1.1B
Total deposits
$935.4M
Service charge income
$137K
Fee income ratio
0.96%
Return on assets
1.66%
Branches
12
Service charge income by quarter
Financial profile · Pro
Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.
| At the national median$0.02 above the North Dakota median |
| per item |
| — |
| Source |
| or less Fees for overdrafts and non-sufficient | $10Below the typical range ($25–$32 nationally) | $20 below the national median$19.98 below the North Dakota median | per item | — | Source |
| Negative balance fee | $30Above the typical range ($5–$15 nationally) | $25 above the national medianAt the North Dakota median | — | — | Source |
| $1 below the national median |
| — |
| — |
| Source |
| VISA Travel Card – ATM Withdrawals | $1.99Within the typical range ($1–$2.25 nationally) | $0.49 above the national median | — | — | Source |
| Lost card issue/replacement | $5Within the typical range ($5–$10 nationally) | $5 below the national median$5 below the North Dakota median | — | — | Source |
| VISA Travel Card – Lost/Stolen Replacement Fee | $9.95Within the typical range ($5–$10 nationally) | $0.05 below the national median$0.05 below the North Dakota median | — | — | Source |
| At the national medianAt the North Dakota median |
| — |
| — |
| Source |
| $5 above the national median$5 above the North Dakota median |
| — |
| — |
| Source |
| Stop payment | $30Within the typical range ($20–$30 nationally) | $2.50 above the national median$5 above the North Dakota median | per item | — | Source |
| Canadian check processing fee on checks over | $10Within the typical range ($10–$25 nationally) | $10 below the national median$15 below the North Dakota median | — | — | Source |
| $7.50 above the national median$10 above the North Dakota median |
| per month |
| — |
| Source |
| $11 below the national median$1 below the North Dakota median |
| per item |
| — |
| Source |
| $6.50 above the national median$6.50 above the North Dakota median |
| — |
| — |
| Source |
| VISA Travel Card – Reload Fee from Bank | $4.95Within the typical range ($3–$4.95 nationally) | $1.45 above the national median$1.45 above the North Dakota median | — | — | Source |