Focus Bank

Headquarters: Charleston, Missouri
Charter: Bank
Assets: $854.1M
Fed district: St. Louis

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

Source: its fee schedule, read Nov 2, 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
Compared at $8, the middle of its prices
Focus Bank: $6 to $10
Focus Bank: $6 to $10
U.S. median: no median
Overdraft (OD)
Focus Bank: $32
Focus Bank: $32
U.S. median: no median
NSF / Returned Item
Focus Bank: $32
Focus Bank: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 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 Focus Bank’s own schedules, with a source for each figure.

Account Maintenance

High Interest Checking Monthly Service Fee$6
per month
Service Charge$10
per month
An account is dormant if for one year there have been no deposits or withdrawals to the account.$6
per month
Account Balancing Assistance Fee (Per Occurrence)$15
per item
Account Research Fee (Per Hour)$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

NSF Paid Handling Fee (each item paid) Item: Checks, In Person Withdrawal, ATM Withdrawal, or Other Electronic Means$32
per item
NSF Returned Handling Fee (item returned) Item: Checks, In Person Withdrawal, ATM Withdrawal, or Other Electronic Means$32
per item
Daily overdraft fee (Every Third Business Day)$5
per day

ATM & Card

Debit Card Replacement Fee$10

Wire Transfers

Wire Transfer Fee - Outgoing$20
Wire Transfer Fee - Incoming$15
Wire Transfer Fee - Foreign$60

Check Services

Cashier's Check Fee$5
Money Order Fee$2
Stop Payment Fee (Per Item)$10
per item
Collection Fee (Deposit Accounts Overdrawn More Than 35 Days Without Returning to Positive Balance)$15
Collection Fee (audience not stated, treated as personal)$15

Digital & Electronic

Same Day ACH Fees$5
Not compared: Monthly charge, not per item
per month
Same-Day Bill Payment (per item)$10.95
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Deposited checks returned unpaid$5

Gift & Prepaid Cards

Gift Card Fee$4.95

Fee	Amount	Basis	Note
Account Maintenance
High Interest Checking Monthly Service Fee	$6	per month	None
Service Charge	$10	per month	None
An account is dormant if for one year there have been no deposits or withdrawals to the account.	$6	per month	None
Account Balancing Assistance Fee (Per Occurrence)	$15	per item	None
Account Research Fee (Per Hour)	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
NSF Paid Handling Fee (each item paid) Item: Checks, In Person Withdrawal, ATM Withdrawal, or Other Electronic Means	$32	per item	None
NSF Returned Handling Fee (item returned) Item: Checks, In Person Withdrawal, ATM Withdrawal, or Other Electronic Means	$32	per item	None
Daily overdraft fee (Every Third Business Day)	$5	per day	None
ATM & Card
Debit Card Replacement Fee	$10	Not stated	None
Wire Transfers
Wire Transfer Fee - Outgoing	$20	Not stated	None
Wire Transfer Fee - Incoming	$15	Not stated	None
Wire Transfer Fee - Foreign	$60	Not stated	None
Check Services
Cashier's Check Fee	$5	Not stated	None
Money Order Fee	$2	Not stated	None
Stop Payment Fee (Per Item)	$10	per item	None
Collection Fee (Deposit Accounts Overdrawn More Than 35 Days Without Returning to Positive Balance)	$15	Not stated	None
Collection Fee (audience not stated, treated as personal)	$15	Not stated	None
Digital & Electronic
Same Day ACH Fees	$5Not compared: Monthly charge, not per item	per month	None
Same-Day Bill Payment (per item)	$10.95Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Deposited checks returned unpaid	$5	Not stated	None
Gift & Prepaid Cards
Gift Card Fee	$4.95	Not stated	None

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

Account Maintenance

An account is dormant if for one year there have been no deposits or withdrawals to the account.$6
per month
Account Balancing Assistance Fee (Per Occurrence)$15
per item
Account Research Fee (Per Hour)$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

NSF Paid Handling Fee (each item paid) Item: Checks, In Person Withdrawal, ATM Withdrawal, or Other Electronic Means$32
per item
NSF Returned Handling Fee (item returned) Item: Checks, In Person Withdrawal, ATM Withdrawal, or Other Electronic Means$32
per item
Daily overdraft fee (Every Third Business Day)$5
per day

ATM & Card

Debit Card Replacement Fee$10

Wire Transfers

Wire Transfer Fee - Outgoing$20
Wire Transfer Fee - Incoming$15
Wire Transfer Fee - Foreign$60

Check Services

Cashier's Check Fee$5
Money Order Fee$2
Stop Payment Fee (Per Item)$10
per item
Collection Fee (Deposit Accounts Overdrawn More Than 35 Days Without Returning to Positive Balance)$15

Digital & Electronic

Same Day ACH Fees$5
Not compared: Monthly charge, not per item
per month
Bill Pay Transactions - Business (per cycle)$4.95
per month
Same-Day Bill Payment (per item)$10.95
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Deposited checks returned unpaid$5

Gift & Prepaid Cards

Gift Card Fee$4.95

Fee	Amount	Basis	Note
Account Maintenance
An account is dormant if for one year there have been no deposits or withdrawals to the account.	$6	per month	None
Account Balancing Assistance Fee (Per Occurrence)	$15	per item	None
Account Research Fee (Per Hour)	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
NSF Paid Handling Fee (each item paid) Item: Checks, In Person Withdrawal, ATM Withdrawal, or Other Electronic Means	$32	per item	None
NSF Returned Handling Fee (item returned) Item: Checks, In Person Withdrawal, ATM Withdrawal, or Other Electronic Means	$32	per item	None
Daily overdraft fee (Every Third Business Day)	$5	per day	None
ATM & Card
Debit Card Replacement Fee	$10	Not stated	None
Wire Transfers
Wire Transfer Fee - Outgoing	$20	Not stated	None
Wire Transfer Fee - Incoming	$15	Not stated	None
Wire Transfer Fee - Foreign	$60	Not stated	None
Check Services
Cashier's Check Fee	$5	Not stated	None
Money Order Fee	$2	Not stated	None
Stop Payment Fee (Per Item)	$10	per item	None
Collection Fee (Deposit Accounts Overdrawn More Than 35 Days Without Returning to Positive Balance)	$15	Not stated	None
Digital & Electronic
Same Day ACH Fees	$5Not compared: Monthly charge, not per item	per month	None
Bill Pay Transactions - Business (per cycle)	$4.95	per month	None
Same-Day Bill Payment (per item)	$10.95Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Deposited checks returned unpaid	$5	Not stated	None
Gift & Prepaid Cards
Gift Card Fee	$4.95	Not stated	None

Correct a fee source

Nov 2, 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.

Fee change alerts

Get an email when Focus Bank's foreign transaction changes in our data

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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 $8, the middle of its prices
Focus Bank: $6 to $10
Focus Bank: $6 to $10
U.S. median: no median
Overdraft (OD)
Focus Bank: $32
Focus Bank: $32
U.S. median: no median
NSF / Returned Item
Focus Bank: $32
Focus Bank: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 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.

Published fee schedule

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

Account Maintenance

High Interest Checking Monthly Service Fee$6
per month
Service Charge$10
per month
An account is dormant if for one year there have been no deposits or withdrawals to the account.$6
per month
Account Balancing Assistance Fee (Per Occurrence)$15
per item
Account Research Fee (Per Hour)$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

NSF Paid Handling Fee (each item paid) Item: Checks, In Person Withdrawal, ATM Withdrawal, or Other Electronic Means$32
per item
NSF Returned Handling Fee (item returned) Item: Checks, In Person Withdrawal, ATM Withdrawal, or Other Electronic Means$32
per item
Daily overdraft fee (Every Third Business Day)$5
per day

ATM & Card

Debit Card Replacement Fee$10

Wire Transfers

Wire Transfer Fee - Outgoing$20
Wire Transfer Fee - Incoming$15
Wire Transfer Fee - Foreign$60

Check Services

Cashier's Check Fee$5
Money Order Fee$2
Stop Payment Fee (Per Item)$10
per item
Collection Fee (Deposit Accounts Overdrawn More Than 35 Days Without Returning to Positive Balance)$15
Collection Fee (audience not stated, treated as personal)$15

Digital & Electronic

Same Day ACH Fees$5
Not compared: Monthly charge, not per item
per month
Same-Day Bill Payment (per item)$10.95
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Deposited checks returned unpaid$5

Gift & Prepaid Cards

Gift Card Fee$4.95

Fee	Amount	Basis	Note
Account Maintenance
High Interest Checking Monthly Service Fee	$6	per month	None
Service Charge	$10	per month	None
An account is dormant if for one year there have been no deposits or withdrawals to the account.	$6	per month	None
Account Balancing Assistance Fee (Per Occurrence)	$15	per item	None
Account Research Fee (Per Hour)	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
NSF Paid Handling Fee (each item paid) Item: Checks, In Person Withdrawal, ATM Withdrawal, or Other Electronic Means	$32	per item	None
NSF Returned Handling Fee (item returned) Item: Checks, In Person Withdrawal, ATM Withdrawal, or Other Electronic Means	$32	per item	None
Daily overdraft fee (Every Third Business Day)	$5	per day	None
ATM & Card
Debit Card Replacement Fee	$10	Not stated	None
Wire Transfers
Wire Transfer Fee - Outgoing	$20	Not stated	None
Wire Transfer Fee - Incoming	$15	Not stated	None
Wire Transfer Fee - Foreign	$60	Not stated	None
Check Services
Cashier's Check Fee	$5	Not stated	None
Money Order Fee	$2	Not stated	None
Stop Payment Fee (Per Item)	$10	per item	None
Collection Fee (Deposit Accounts Overdrawn More Than 35 Days Without Returning to Positive Balance)	$15	Not stated	None
Collection Fee (audience not stated, treated as personal)	$15	Not stated	None
Digital & Electronic
Same Day ACH Fees	$5Not compared: Monthly charge, not per item	per month	None
Same-Day Bill Payment (per item)	$10.95Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Deposited checks returned unpaid	$5	Not stated	None
Gift & Prepaid Cards
Gift Card Fee	$4.95	Not stated	None

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

Account Maintenance

An account is dormant if for one year there have been no deposits or withdrawals to the account.$6
per month
Account Balancing Assistance Fee (Per Occurrence)$15
per item
Account Research Fee (Per Hour)$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

NSF Paid Handling Fee (each item paid) Item: Checks, In Person Withdrawal, ATM Withdrawal, or Other Electronic Means$32
per item
NSF Returned Handling Fee (item returned) Item: Checks, In Person Withdrawal, ATM Withdrawal, or Other Electronic Means$32
per item
Daily overdraft fee (Every Third Business Day)$5
per day

ATM & Card

Debit Card Replacement Fee$10

Wire Transfers

Wire Transfer Fee - Outgoing$20
Wire Transfer Fee - Incoming$15
Wire Transfer Fee - Foreign$60

Check Services

Cashier's Check Fee$5
Money Order Fee$2
Stop Payment Fee (Per Item)$10
per item
Collection Fee (Deposit Accounts Overdrawn More Than 35 Days Without Returning to Positive Balance)$15

Digital & Electronic

Same Day ACH Fees$5
Not compared: Monthly charge, not per item
per month
Bill Pay Transactions - Business (per cycle)$4.95
per month
Same-Day Bill Payment (per item)$10.95
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Deposited checks returned unpaid$5

Gift & Prepaid Cards

Gift Card Fee$4.95

Fee	Amount	Basis	Note
Account Maintenance
An account is dormant if for one year there have been no deposits or withdrawals to the account.	$6	per month	None
Account Balancing Assistance Fee (Per Occurrence)	$15	per item	None
Account Research Fee (Per Hour)	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
NSF Paid Handling Fee (each item paid) Item: Checks, In Person Withdrawal, ATM Withdrawal, or Other Electronic Means	$32	per item	None
NSF Returned Handling Fee (item returned) Item: Checks, In Person Withdrawal, ATM Withdrawal, or Other Electronic Means	$32	per item	None
Daily overdraft fee (Every Third Business Day)	$5	per day	None
ATM & Card
Debit Card Replacement Fee	$10	Not stated	None
Wire Transfers
Wire Transfer Fee - Outgoing	$20	Not stated	None
Wire Transfer Fee - Incoming	$15	Not stated	None
Wire Transfer Fee - Foreign	$60	Not stated	None
Check Services
Cashier's Check Fee	$5	Not stated	None
Money Order Fee	$2	Not stated	None
Stop Payment Fee (Per Item)	$10	per item	None
Collection Fee (Deposit Accounts Overdrawn More Than 35 Days Without Returning to Positive Balance)	$15	Not stated	None
Digital & Electronic
Same Day ACH Fees	$5Not compared: Monthly charge, not per item	per month	None
Bill Pay Transactions - Business (per cycle)	$4.95	per month	None
Same-Day Bill Payment (per item)	$10.95Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Deposited checks returned unpaid	$5	Not stated	None
Gift & Prepaid Cards
Gift Card Fee	$4.95	Not stated	None

Correct a fee source

Nov 2, 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.