35 banks and credit unions have branches in the Columbia metro area. The Bank Fee Index holds published fees for 24 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Missouri
Columbia metro counts institutions with a branch here, wherever headquartered. Missouri counts institutions headquartered in the state.
Columbia metro
10 institutions with a branch here
$2
Missouri
56 institutions headquartered in Missouri
$1.13
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Columbia metro median sits furthest from Missouri's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Columbia 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 $10 to $36.
Median published overdraft fee
Columbia metro
17 institutions with a branch here
$34
Missouri
79 institutions headquartered in Missouri
$29.50
U.S.
2,605 institutions in the index
$30
Columbia 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.
35 institutions, 17 with a published overdraft fee.
Bank · based in Jefferson City, MO · 16 branches 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 Pine Bluff, AR · 6 branches here
Account not yet known
“(including a second or subsequent request for payment), we may charge a Paid Item/Overdraft Fee of $36.00 per occurrence. However,”
Bank · based in Kansas City, MO · 5 branches here
Account not yet known
“Overdraft/Insuffcient Funds2 | $36”
Bank · based in Bethany, MO · 5 branches here
Credit union, membership rules apply · based in Jefferson City, MO · 5 branches here
Account not yet known
“Overdraft/Courtesy Pay | $25.00 /item”
Bank · based in Farmington, MO · 4 branches here
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 Fayette, MO · 3 branches here
Bank · based in Fulton, MO · 3 branches here
Account not yet known
“Item(s) that create an overdrawn balance of $35.00 or greater will be charged a $35.00 per item NSF Returned Item Fee or Paid Item Fee.”
Bank · based in Pilot Grove, MO · 3 branches here
Largest banks by local bank deposits
Share of the $6.7 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Columbia metro's counties
Deposits and branches cover the Columbia 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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