51 banks and credit unions have branches in the Springfield metro area. The Bank Fee Index holds published fees for 36 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Missouri
Springfield metro counts institutions with a branch here, wherever headquartered. Missouri counts institutions headquartered in the state.
Springfield metro
21 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 Springfield metro median sits furthest from Missouri's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Springfield 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
Springfield metro
30 institutions with a branch here
$30
Missouri
79 institutions headquartered in Missouri
$29.50
U.S.
2,605 institutions in the index
$30
Springfield 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.
51 institutions, 30 with a published overdraft fee.
Bank · based in Reeds Spring, MO · 20 branches here
Account not yet known
“ATM overdraft fee | N/A | $34”
Bank · based in Jefferson City, MO · 20 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 Kansas City, MO · 9 branches here
Account not yet known
“Overdraft/Insuffcient Funds2 | $36”
Bank · based in Poplar Bluff, MO · 9 branches here
Account not yet known
“Overdraft Charge | $ 28.00 | Per Presentment”
Bank · based in Springfield, MO · 8 branches here
Account not yet known
“NSF: Overdraft Fee (item paid) | $35.00”
Bank · based in Fayetteville, AR · 8 branches here
Account not yet known
“count after we post all credits and debits for the day ("Ledger Balance") is less than the amount we need to pay your transaction. For all consumer accounts, we will assess a maxim”
Bank · based in Springfield, MO · 7 branches here
Account not yet known
“Overdraft Fee per item, includes checks, ATM withdrawals, or other electronic means | $30.00”
Bank · based in Cincinnati, OH · 7 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 Perryville, MO · 7 branches here
Bank · based in Pine Bluff, AR · 7 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,”
Largest banks by local bank deposits
Share of the $17.8 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Springfield metro's counties
Deposits and branches cover the Springfield 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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