11 banks and credit unions have branches in Liberty. The Bank Fee Index holds published fees for 10 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Missouri
Liberty counts institutions with a branch here, wherever headquartered. Missouri counts institutions headquartered in the state.
Liberty
6 institutions with a branch here
$2.50
Missouri
56 institutions headquartered in Missouri
$1.13
U.S.
1,651 institutions in the index
$1.50
Chosen as the fee whose Liberty median sits furthest from Missouri's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Liberty 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 $10 to $36.
Median published overdraft fee
Liberty
7 institutions with a branch here
$35
Missouri
79 institutions headquartered in Missouri
$29.50
U.S.
2,605 institutions in the index
$30
Liberty 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.
11 institutions, 7 with a published overdraft fee.
Bank · based in Chicago, IL · 2 branches here
Bank · based in Braymer, MO · 1 branch here
Bank · based in Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Kansas City, MO · 1 branch here
Account not yet known
“Overdraft Charge 5 | $36.00 per item”
Bank · based in Kansas City, MO · 1 branch here
Account not yet known
“Overdraft/Insuffcient Funds2 | $36”
Bank · based in Greenwood Village, CO · 1 branch here
Account not yet known
“Overdraft- Paid* | $35.00 | Per item paid”
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 Jefferson City, MO · 1 branch here
Account not yet known
“Overdrafts created by check, in-person withdrawal, ATM withdrawal, debit card, pre-authorized debits, or other electronic means)* $35.00”
Bank · based in Kansas City, MO · 1 branch here
Bank · based in Topeka, KS · 1 branch here
Account not yet known
“Overdraft $12.00 Charge assessed for each item presented to the Bank that creates an overdraft in the account”
Largest banks by local bank deposits
Share of the $1.4 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Clay County
Deposits and branches cover the City of Liberty. Population and income cover Clay County, the county with most of Liberty'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 Clay County.
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