7 banks and credit unions have branches in Troy. The Bank Fee Index holds published fees for 3 of them.
The count includes institutions based elsewhere that have a branch here.
Medians for reference: Missouri $29.50 · U.S. $30
Local median not shown; five institutions required.
Pick a fee to compare Troy with Missouri and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
7 institutions, 3 with a published overdraft fee.
Bank · based in Troy, MO · 3 branches here
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 Old Monroe, MO · 1 branch here
Account not yet known
“disclosed as "Paid NSF Fee" on your bank statement.: $25.00/each”
Bank · based in Bowling Green, MO · 1 branch here
Bank · based in Rhineland, MO · 1 branch here
Bank · based in Hannibal, MO · 1 branch here
Credit union, membership rules apply · based in Mexico, MO · 1 branch here
Account not yet known
“◊ We will charge you a fee of $25 each time we pay an overdraft.”
Largest banks by local bank deposits
Share of the $840 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Lincoln County
Deposits and branches cover the City of Troy. Population and income cover Lincoln County, the county with most of Troy'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 Lincoln 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