The Central Trust Bank

Headquarters: Jefferson City, Missouri
Charter: Bank
Assets: $20.3B
Fed district: St. Louis

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

Source: its fee schedule, read Oct 30, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $9.95, the middle of its prices
The Central Trust Bank: $5.95 to $9.95
The Central Trust Bank: $5.95 to $9.95
U.S. median: no median
Overdraft (OD)
The Central Trust Bank: $35
The Central Trust Bank: $35
U.S. median: no median
NSF / Returned Item
The Central Trust Bank: $35
The Central Trust Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 30, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Missouri, the St. Louis 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).
Missouri: Banks and credit unions headquartered in Missouri that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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 The Central Trust Bank’s own schedules, with a source for each figure.

Account Maintenance

MaxMoney Checking monthly fee$9.95
per month
Monthly fee$9.95
per month
Monthly fee$5.95
per month
Monthly fee$9.95
per month
Account Closed within 90 days of opening$25
Dormant Fee (per monthly cycle)$15
per month
Paper statements are available$3
per month
Paper statements available$3
per month

Overdraft & NSF

Overdrafts created by check, in-person withdrawal, ATM withdrawal, debit card, pre-authorized debits, or other electroni$35
Return Item Charge (NSF)$35

ATM & Card

Replacement Debit Card Fee-Alternative Address$15
Replacement Debit Card Fee-Rush$25
International Transaction Fee3%of the transaction

Wire Transfers

Wire Transfers (Incoming)$15

Check Services

Stop Payment Fee$35
Foreign Items Deposited (plus any applicable foreign bank fees)$30

Digital & Electronic

Online Bill Pay available$5.95
per month

Account Services

Garnishments/Levies$125
Verification of Deposit$20

Other Fees

Duplicate Statement/Forms$5

Fee	Amount	Basis	Note
Account Maintenance
MaxMoney Checking monthly fee	$9.95	per month	None
Monthly fee	$9.95	per month	None
Monthly fee	$5.95	per month	None
Monthly fee	$9.95	per month	None
Account Closed within 90 days of opening	$25	Not stated	None
Dormant Fee (per monthly cycle)	$15	per month	None
Paper statements are available	$3	per month	None
Paper statements available	$3	per month	None
Overdraft & NSF
Overdrafts created by check, in-person withdrawal, ATM withdrawal, debit card, pre-authorized debits, or other electroni	$35	Not stated	None
Return Item Charge (NSF)	$35	Not stated	None
ATM & Card
Replacement Debit Card Fee-Alternative Address	$15	Not stated	None
Replacement Debit Card Fee-Rush	$25	Not stated	None
International Transaction Fee	3%of the transaction	Not stated	None
Wire Transfers
Wire Transfers (Incoming)	$15	Not stated	None
Check Services
Stop Payment Fee	$35	Not stated	None
Foreign Items Deposited (plus any applicable foreign bank fees)	$30	Not stated	None
Digital & Electronic
Online Bill Pay available	$5.95	per month	None
Account Services
Garnishments/Levies	$125	Not stated	None
Verification of Deposit	$20	Not stated	None
Other Fees
Duplicate Statement/Forms	$5	Not stated	None

Correct a fee source

Oct 30, 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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