16 banks and credit unions have branches in Cape Girardeau. The Bank Fee Index holds published fees for 9 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Missouri
Cape Girardeau counts institutions with a branch here, wherever headquartered. Missouri counts institutions headquartered in the state.
Cape Girardeau
5 institutions with a branch here
$5
Missouri
86 institutions headquartered in Missouri
$10
U.S.
2,744 institutions in the index
$10
Chosen as the fee whose Cape Girardeau median sits furthest from Missouri's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Cape Girardeau with Missouri and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Published amounts here run from $28 to $36.
Median published overdraft fee
Cape Girardeau
5 institutions with a branch here
$36
Missouri
79 institutions headquartered in Missouri
$29.50
U.S.
2,605 institutions in the index
$30
Cape Girardeau covers every institution with a branch here, wherever it is headquartered. Missouri covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
16 institutions, 5 with a published overdraft fee.
Bank · based in Perryville, MO · 3 branches here
Bank · based in Sikeston, MO · 2 branches here
Bank · based in Blytheville, AR · 2 branches here
Account not yet known
“Overdraft Items | $30.00¹”
Bank · based in Cincinnati, OH · 2 branches here
Account not yet known
“• U.S. Bank will charge an Overdraft Paid Fee of $36.00 for each overdraft item we pay on your behalf. Whether we”
Bank · based in Farmington, MO · 2 branches here
Bank · based in Poplar Bluff, MO · 2 branches here
Account not yet known
“Overdraft Charge | $ 28.00 | Per Presentment”
Bank · based in Sainte Genevieve, MO · 2 branches here
Bank · based in Marshall, MO · 1 branch here
Bank · based in Marion, IL · 1 branch here
Bank · based in Kansas City, MO · 1 branch here
Account not yet known
“Overdraft/Insuffcient Funds2 | $36”
Largest banks by local bank deposits
Share of the $2.5 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Cape Girardeau County
Deposits and branches cover the City of Cape Girardeau. Population and income cover Cape Girardeau County, the county with most of Cape Girardeau's bank branches, not the city alone. This is background. None of it sets or explains a fee.
Bank deposits
Change at branches here, 2021 to 2026
Bank branches
Change in branch count, 2016 to 2026
Population
Change between the 2022 and 2024 Census estimates
Median household income
Census estimate, 2024
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for Cape Girardeau County.
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