SpiritBank

Headquarters: Tulsa, Oklahoma
Charter: Bank
Assets: $912.8M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 12, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Another Chance Checking
SpiritBank: $9.95
SpiritBank: $9.95
U.S. median: no median
Overdraft (OD)
SpiritBank: $29
SpiritBank: $29
U.S. median: no median
NSF / Returned Item
SpiritBank: $29
SpiritBank: $29
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 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 SpiritBank’s own schedules, with a source for each figure.

Account Maintenance

Another Chance Checking Monthly service charge$9.95
per month
Account Closing Fee (within 90 days of opening)$30
Research Fee$30
Not compared: Charged per hour; comparison unavailable
per hour
Statement Reconciliation$30
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Fee$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Fee$29
Nonsufficient Funds (NSF) Fee$29

ATM & Card

Non-SpiritBank ATM Fee$1
ATM/Debit Card Replacement Fee$10
per item
ATM/Debit Card Replacement Fee Overnight$50
per item

Wire Transfers

Outgoing Domestic Wire through Wire Module$10
per transaction
Outgoing Wire$15
per transaction
Incoming Wire$10
per transaction
Outgoing Foreign Wire$50
per transaction
Outgoing Foreign Wire through Wire Module$45
per transaction
Incoming Foreign Wire$25
per transaction

Check Services

Official Check (customer)$4
per item
Stop Payment Fee$29
per transaction
Image Check Copies$1
Not compared: Charged per page; comparison unavailable
per page

Digital & Electronic

Bill Pay (Personal)$5.95
per month
Next Day Bill Pay (Checks only)$14.95
Not compared: Per-transaction charge, not monthly
per transaction
Same Day Bill Pay (ACH/Electronic Items only)$9.95
Not compared: Per-transaction charge, not monthly
per transaction
Zelle® (Send Money – Bill Pay required - see fee above)No charge
Not compared: Per-transaction charge, not monthly
per transaction
Zelle® (Send Money)No charge
Not compared: Per-occurrence charge, not monthly
per item · Bill Pay required - see fee above

Cash & Deposit

Return of Deposited Item Fee$5
per item
Night Depository Key$5
per item

Account Services

Notary Service (customers)No charge
Notary Service (non-customers)$5
Not compared: Charged per document; comparison unavailable
per document
Garnishment$25
per transaction

Other Fees

Duplicate Statements$5
Not compared: Monthly charge, not per item
per month
Photocopy/Fax$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Another Chance Checking Monthly service charge	$9.95	per month	None
Account Closing Fee (within 90 days of opening)	$30	Not stated	None
Research Fee	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Statement Reconciliation	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Fee	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft Fee	$29	Not stated	None
Nonsufficient Funds (NSF) Fee	$29	Not stated	None
ATM & Card
Non-SpiritBank ATM Fee	$1	Not stated	None
ATM/Debit Card Replacement Fee	$10	per item	None
ATM/Debit Card Replacement Fee Overnight	$50	per item	None
Wire Transfers
Outgoing Domestic Wire through Wire Module	$10	per transaction	None
Outgoing Wire	$15	per transaction	None
Incoming Wire	$10	per transaction	None
Outgoing Foreign Wire	$50	per transaction	None
Outgoing Foreign Wire through Wire Module	$45	per transaction	None
Incoming Foreign Wire	$25	per transaction	None
Check Services
Official Check (customer)	$4	per item	None
Stop Payment Fee	$29	per transaction	None
Image Check Copies	$1Not compared: Charged per page; comparison unavailable	per page	None
Digital & Electronic
Bill Pay (Personal)	$5.95	per month	None
Next Day Bill Pay (Checks only)	$14.95Not compared: Per-transaction charge, not monthly	per transaction	None
Same Day Bill Pay (ACH/Electronic Items only)	$9.95Not compared: Per-transaction charge, not monthly	per transaction	None
Zelle® (Send Money – Bill Pay required - see fee above)	No chargeNot compared: Per-transaction charge, not monthly	per transaction	None
Zelle® (Send Money)	No chargeNot compared: Per-occurrence charge, not monthly	per item	Bill Pay required - see fee above
Cash & Deposit
Return of Deposited Item Fee	$5	per item	None
Night Depository Key	$5	per item	None
Account Services
Notary Service (customers)	No charge	Not stated	None
Notary Service (non-customers)	$5Not compared: Charged per document; comparison unavailable	per document	None
Garnishment	$25	per transaction	None
Other Fees
Duplicate Statements	$5Not compared: Monthly charge, not per item	per month	None
Photocopy/Fax	$1Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 12, 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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