9 banks and credit unions have branches in Kirksville. The Bank Fee Index holds published fees for 6 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Missouri
Kirksville counts institutions with a branch here, wherever headquartered. Missouri counts institutions headquartered in the state.
Kirksville
5 institutions with a branch here
$5
Missouri
65 institutions headquartered in Missouri
$7
U.S.
1,904 institutions in the index
$6.99
Chosen as the fee whose Kirksville median sits furthest from Missouri's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Kirksville with Missouri and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Four published overdraft fees: $20–$36.
Medians for reference: Missouri $29.50 · U.S. $30
Local median not shown; five institutions required.
9 institutions, 4 with a published overdraft fee.
Bank · based in Andover, KS · 3 branches here
Account not yet known
“Overdraft Charge/Return Check Charge - each | $34.98”
Bank · based in Cincinnati, OH · 1 branch 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 Greenwood Village, CO · 1 branch here
Account not yet known
“Overdraft- Paid* | $35.00 | Per item paid”
Bank · based in Madison, MO · 1 branch here
Bank · based in Kirksville, MO · 1 branch here
Bank · based in Platte City, MO · 1 branch here
Bank · based in Rhineland, MO · 1 branch here
Bank · based in Macon, MO · 1 branch here
Account not yet known
“Overdraft/Non-Sufficient Funds ** | $20.00 | Per Item | Maximum of $120.00 per day”
Credit union, membership rules apply · based in Macon, MO · 1 branch here
Largest banks by local bank deposits
Share of the $824 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Adair County
Deposits and branches cover the City of Kirksville. Population and income cover Adair County, the county with most of Kirksville'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 Adair County.
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