Kirkpatrick Bank

Headquarters: Edmond, Oklahoma
Charter: Bank
Assets: $1.0B
Fed district: Kansas City

20 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 11, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
PREFERRED INTEREST CHECKING $5 to $10
Compared at $7.50, the middle of its prices
Kirkpatrick Bank: $5 to $10
Kirkpatrick Bank: $5 to $10
U.S. median: no median
Overdraft (OD)
Kirkpatrick Bank: $28
Kirkpatrick Bank: $28
U.S. median: no median
NSF / Returned Item
Kirkpatrick Bank: No fee
Kirkpatrick Bank: No fee
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Oklahoma, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Oklahoma: Banks and credit unions headquartered in Oklahoma that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Kirkpatrick Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly maintenance fee$10
per month
Monthly maintenance fee$5
per month
Dormant Checking Account Fee (after 24 consecutive monthly statement cycles of inactivity on accounts with a balance < $500.00)$6
per month
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Undeliverable Mail Fee$10

Overdraft & NSF

Paid Overdraft Charge$28
per item
Returned NSF Check ChargeNo charge
per item

ATM & Card

ATM/Debit Card Replacement Fee$5
per item
Rush Card Delivery (audience not stated, treated as personal)$60
per item
Mastercard Debit Card - International Service Assessment2%of the transaction
MasterCard Debit Card International Service Assessment (audience not stated, treated as personal)2%of the transaction

Wire Transfers

Wire Transfer Domestic - Outgoing$12
Wire Transfer Domestic - Incoming$10
Wire Transfer International - Outgoing$45
Wire Transfer International - Incoming$45

Check Services

Cashier's Checks$2
per item
Money Orders$2
per item
Stop Payment Fee$25
per item
Temporary Checks$1
per item
Domestic Collection Item Incoming$16
Domestic Collection Item Outgoing$16
Foreign Collection Item Outgoing <$19
Account Research Check Copies$2
per item

Cash & Deposit

Return Item/Charge Back$4
per item

Account Services

Levy/Garnishment Processing$30
per item

Gift & Prepaid Cards

Visa Gift Cards$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly maintenance fee	$10	per month	None
Monthly maintenance fee	$5	per month	None
Dormant Checking Account Fee (after 24 consecutive monthly statement cycles of inactivity on accounts with a balance < $500.00)	$6	per month	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Undeliverable Mail Fee	$10	Not stated	None
Overdraft & NSF
Paid Overdraft Charge	$28	per item	None
Returned NSF Check Charge	No charge	per item	None
ATM & Card
ATM/Debit Card Replacement Fee	$5	per item	None
Rush Card Delivery (audience not stated, treated as personal)	$60	per item	None
Mastercard Debit Card - International Service Assessment	2%of the transaction	Not stated	None
MasterCard Debit Card International Service Assessment (audience not stated, treated as personal)	2%of the transaction	Not stated	None
Wire Transfers
Wire Transfer Domestic - Outgoing	$12	Not stated	None
Wire Transfer Domestic - Incoming	$10	Not stated	None
Wire Transfer International - Outgoing	$45	Not stated	None
Wire Transfer International - Incoming	$45	Not stated	None
Check Services
Cashier's Checks	$2	per item	None
Money Orders	$2	per item	None
Stop Payment Fee	$25	per item	None
Temporary Checks	$1	per item	None
Domestic Collection Item Incoming	$16	Not stated	None
Domestic Collection Item Outgoing	$16	Not stated	None
Foreign Collection Item Outgoing <	$19	Not stated	None
Account Research Check Copies	$2	per item	None
Cash & Deposit
Return Item/Charge Back	$4	per item	None
Account Services
Levy/Garnishment Processing	$30	per item	None
Gift & Prepaid Cards
Visa Gift Cards	$5	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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