The State Bank

Spirit Lake • Terril

The State Bank

1902 Hill Ave • Spirit Lake, IA 51360 • 712.336.2455
101 N State Street • Terril, IA 51364 • 712.853.6200


Mortgage Loans

  • Apply for a mortgage anytime and anywhere.
  • Save your application to complete at a later time.
  • Calculators to help you make the best decition.

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RAGBRAI Volunteer

Fee Schedule

ATM/ShazamChek Card - Issue $   4.00
ATM/ShazamChek Card or Pin - Reissue $   7.00
ATM/ShazamChek Card - Lost $ 10.00
ATM/ShazamChek Transaction Fee
(terminal not owned by us)
$   0.50
OD Protection Charge (per transfer) $   6.00
Personal Money Order $   3.00
Cash Passport Card - Purchase $   8.95
Cash Passport Card - Reload $   6.00
Overdraft Fee (each)a $ 25.00
Return Item Fee (each)b $ 25.00
Deposit Item Return Charge (each) $   7.00
Account Research (per hour) $ 25.00
Account Balancing Assistance (per hour) $ 25.00
Duplicate Statement - Per Cycle $   3.00
Safe Deposit Box Rent
Spirit Lake
Small
Medium
Large
Drilled Entry

Terril
Small
Medium
Large
Drilled Entry



$ 15.00
$ 30.00
$ 40.00
$ 200.00


$ 10.00
$ 15.00
$ 20.00
$ 200.00
Internet Banking Bill Payer Charge (per month) $   4.95
Cash Manager ACH Charge (per month) $ 40.00
Stop Payment Charge (each) $ 25.00
Wire Transfer (each) $ 20.00
Garnishments (each) $ 50.00
Levies (each) $ 50.00
Exceeded maximum preauthorized transfer limitations (per debit)
(Money Fund & Savings)
$   5.00

aThe categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, or other electronic means.
bThe categories of transactions for which a returned item fee may be imposed are those by any of the following means: check, in-person withdrawal, or other electronic means.