vs. U.S. typical range:LowerTypicalHigher
$12.50 above the national median$15 above the Oklahoma median
$12.50 above the national median$10 above the Oklahoma median
$7.50 below the national median$10 below the Oklahoma median
per item · Source
$1 below the national median$2 above the Oklahoma median
$1 below the national median$1.75 above the Oklahoma median
$0.50 below the national medianAt the Oklahoma median
At the national median$2.50 above the Oklahoma median
per item · Source
$10 above the national medianAt the Oklahoma median
per item · Source
$15 below the national median$8.95 below the Oklahoma median
per transaction · Source
$10 below the national median$3.95 below the Oklahoma median
per transaction · Source
At the national medianAt the Oklahoma median
per transaction · Source
At the national medianAt the Oklahoma median
per transaction · Source
$5 below the national median$5 below the Oklahoma median
per transaction · Source
$5 above the national medianAt the Oklahoma median
per transaction · Source
$1 below the national median$1 below the Oklahoma median
per item · Source
$1.50 above the national median$4 above the Oklahoma median
per transaction · Source
$2 below the national median$1 below the Oklahoma median
per item · Source
$3.45 above the national median$2.70 above the Oklahoma median
per month · Source
$12.45 above the national median$11.70 above the Oklahoma median
per transaction · Source
$7.45 above the national median$6.70 above the Oklahoma median
per transaction · Source
$2.50 below the national median$3.25 below the Oklahoma median
per transaction · Source
$2.50 below the national median$3.25 below the Oklahoma median
per item · Bill Pay required - see fee above · Source
$10 below the national median$0.95 below the Oklahoma median
per item · Source
$5 below the national medianAt the Oklahoma median
per item · Source
$2.50 below the national median$5 below the Oklahoma median
$2.50 above the national medianAt the Oklahoma median
per item · Source
$25 below the national medianAt the Oklahoma median
per transaction · Source
$2 above the national median$2 above the Oklahoma median
per month · Source
$2 below the national median$2 below the Oklahoma median
per item · Source
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Account Closing Fee (within 90 days of opening) | $30Above the typical range ($10–$25 nationally) | $12.50 above the national median$15 above the Oklahoma median | — | — | Source |
| Research Fee | $30Above the typical range ($12–$25 nationally) | $12.50 above the national median$10 above the Oklahoma median | — | — | Source |
| Returned Mail Fee | $10Below the typical range ($12–$25 nationally) | $7.50 below the national median$10 below the Oklahoma median | per item | — | Source |
Overdraft & NSFVerified | |||||
| Overdraft Fee | $29Within the typical range ($25–$33 nationally) | $1 below the national median$2 above the Oklahoma median | — | — | Source |
| Nonsufficient Funds (NSF) Fee | $29 | ||||
ATM & CardVerified | |||||
| Non-SpiritBank ATM Fee | $1Within the typical range ($1–$2.25 nationally) | $0.50 below the national medianAt the Oklahoma median | — | — | Source |
| ATM/Debit Card Replacement Fee | $10 | ||||
Wire TransfersVerified | |||||
| Outgoing Domestic Wire through Wire Module | $10Below the typical range ($20–$25 nationally) | $15 below the national median$8.95 below the Oklahoma median | per transaction | — | Source |
| Outgoing Wire | $15 | ||||
Check ServicesVerified | |||||
| Official Check (customer) | $4Within the typical range ($3–$6 nationally) | $1 below the national median$1 below the Oklahoma median | per item | — | Source |
| Stop Payment Fee | $29 | ||||
Digital & ElectronicVerified | |||||
| Bill Pay (Personal) | $5.95Within the typical range ($0–$9.95 nationally) | $3.45 above the national median$2.70 above the Oklahoma median | per month | — | Source |
| Next Day Bill Pay (Checks only) | $14.95 | ||||
Cash & DepositVerified | |||||
| Return of Deposited Item Fee | $5Below the typical range ($8–$25 nationally) | $10 below the national median$0.95 below the Oklahoma median | per item | — | Source |
| Night Depository Key | $5 | ||||
Account ServicesVerified | |||||
| Notary Service (customers) | $0Within the typical range ($0–$5 nationally) | $2.50 below the national median$5 below the Oklahoma median | — | — | Source |
| Notary Service (non-customers) | $5 | ||||
Other FeesVerified | |||||
| Duplicate Statements | $5Within the typical range ($2–$5 nationally) | $2 above the national median$2 above the Oklahoma median | per month | — | Source |
| Photocopy/Fax | $1 | ||||
Overdraft
$29.00
Of 34 others that publish it, 21 lower, 2 the same and 11 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$29
Headline fees published
10 of 15
Published fees
29
Under review
0
Assets
$912.8M
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Financial Context
Financials as of Q2 2026 · FDIC call report
Total assets
$912.8M
Total deposits
$819.2M
Service charge income
$204K
Fee income ratio
2.3%
Return on assets
0.50%
Branches
6
Service charge income by quarter
Financial profile · Pro
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| $1 below the national median$1.75 above the Oklahoma median |
| — |
| — |
| Source |
| At the national median$2.50 above the Oklahoma median |
| per item |
| — |
| Source |
| ATM/Debit Card Replacement Fee Overnight | $50Within the typical range ($30–$50 nationally) | $10 above the national medianAt the Oklahoma median | per item | — | Source |
| $10 below the national median$3.95 below the Oklahoma median |
| per transaction |
| — |
| Source |
| Incoming Wire | $10Within the typical range ($5–$15 nationally) | At the national medianAt the Oklahoma median | per transaction | — | Source |
| Outgoing Foreign Wire | $50Within the typical range ($40–$50 nationally) | At the national medianAt the Oklahoma median | per transaction | — | Source |
| Outgoing Foreign Wire through Wire Module | $45Within the typical range ($40–$50 nationally) | $5 below the national median$5 below the Oklahoma median | per transaction | — | Source |
| Incoming Foreign Wire | $25Within the typical range ($10–$25 nationally) | $5 above the national medianAt the Oklahoma median | per transaction | — | Source |
| $1.50 above the national median$4 above the Oklahoma median |
| per transaction |
| — |
| Source |
| Image Check Copies | $1Below the typical range ($2–$5 nationally) | $2 below the national median$1 below the Oklahoma median | per item | — | Source |
| $12.45 above the national median$11.70 above the Oklahoma median |
| per transaction |
| — |
| Source |
| Same Day Bill Pay (ACH/Electronic Items only) | $9.95Within the typical range ($0–$9.95 nationally) | $7.45 above the national median$6.70 above the Oklahoma median | per transaction | — | Source |
| Zelle® (Send Money – Bill Pay required - see fee above) | $0Within the typical range ($0–$9.95 nationally) | $2.50 below the national median$3.25 below the Oklahoma median | per transaction | — | Source |
| Zelle® (Send Money) | $0Within the typical range ($0–$9.95 nationally) | $2.50 below the national median$3.25 below the Oklahoma median | per item | Bill Pay required - see fee above | Source |
| $5 below the national medianAt the Oklahoma median |
| per item |
| — |
| Source |
| $2.50 above the national medianAt the Oklahoma median |
| per item |
| — |
| Source |
| Garnishment | $25Below the typical range ($30–$90 nationally) | $25 below the national medianAt the Oklahoma median | per transaction | — | Source |
| $2 below the national median$2 below the Oklahoma median |
| per item |
| — |
| Source |