20 banks and credit unions have branches in Saint Joseph. The Bank Fee Index holds published fees for 14 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Missouri
Saint Joseph counts institutions with a branch here, wherever headquartered. Missouri counts institutions headquartered in the state.
Saint Joseph
9 institutions with a branch here
$2.50
Missouri
56 institutions headquartered in Missouri
$1.13
U.S.
1,648 institutions in the index
$1.50
Chosen as the fee whose Saint Joseph median sits furthest from Missouri's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Saint Joseph 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
Saint Joseph
8 institutions with a branch here
$34.99
Missouri
79 institutions headquartered in Missouri
$29.50
U.S.
2,603 institutions in the index
$30
Saint Joseph 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.
20 institutions, 8 with a published overdraft fee.
Bank · based in Maryville, MO · 4 branches here
Account not yet known
“Overdraft and Nonsufficient Funds (NSF) Fee | $32 per item”
Bank · based in Cincinnati, OH · 3 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 Andover, KS · 3 branches here
Account not yet known
“Overdraft Charge/Return Check Charge - each | $34.98”
Bank · based in Kansas City, MO · 2 branches here
Account not yet known
“Overdraft/Insuffcient Funds2 | $36”
Bank · based in Kansas City, MO · 2 branches here
Account not yet known
“Overdraft Charge 5 | $36.00 per item”
Bank · based in Poplar Bluff, MO · 2 branches here
Account not yet known
“Overdraft Charge | $ 28.00 | Per Presentment”
Bank · based in Kansas City, MO · 2 branches here
Credit union, membership rules apply · based in Saint Joseph, MO · 2 branches here
Bank · based in Grandview, MO · 1 branch here
Bank · based in Greenwood Village, CO · 1 branch here
Account not yet known
“Overdraft- Paid* | $35.00 | Per item paid”
Largest banks by local bank deposits
Share of the $2.4 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Buchanan County
Deposits and branches cover the City of Saint Joseph. Population and income cover Buchanan County, the county with most of Saint Joseph'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 Buchanan County.
Work at a bank or credit union here?
Hamilton, the Fee Insight workspace, sets an institution's own fees beside every institution in this market, with the source for each figure.
Choosing an account?
Open any institution above to see all of its published fees and where each one came from.
Search institutions