28 banks and credit unions have branches in the St. Joseph metro area. 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
St. Joseph metro counts institutions with a branch here, wherever headquartered. Missouri counts institutions headquartered in the state.
St. Joseph metro
9 institutions with a branch here
$2.50
Missouri
56 institutions headquartered in Missouri
$1.13
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose St. Joseph metro median sits furthest from Missouri's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare St. Joseph metro 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
St. Joseph metro
8 institutions with a branch here
$34.99
Missouri
79 institutions headquartered in Missouri
$29.50
U.S.
2,605 institutions in the index
$30
St. Joseph metro 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.
28 institutions, 8 with a published overdraft fee.
Bank · based in Maryville, MO · 5 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 Greenwood Village, CO · 3 branches here
Account not yet known
“Overdraft- Paid* | $35.00 | Per item paid”
Bank · based in Bendena, KS · 3 branches here
Bank · based in Hannibal, MO · 3 branches here
Bank · based in Osawatomie, KS · 3 branches here
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 Maysville, MO · 2 branches here
Largest banks by local bank deposits
Share of the $3.2 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the St. Joseph metro's counties
Deposits and branches cover the St. Joseph metro. Population and income cover the metro's counties. 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
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for the metro's counties.
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