West Plains Bank and Trust Company

Headquarters: West Plains, Missouri
Charter: Bank
Assets: $767.9M
Fed district: St. Louis

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

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

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Fees against the market

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

Monthly Maintenance
Account Requirements
West Plains Bank and Trust Company: $6
West Plains Bank and Trust Company: $6
U.S. median: no median
Overdraft (OD)
West Plains Bank and Trust Company: $29
West Plains Bank and Trust Company: $29
U.S. median: no median
NSF / Returned Item
West Plains Bank and Trust Company: $29
West Plains Bank and Trust Company: $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 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 West Plains Bank and Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$6
per month
Early Account Closure Fee (First 90 Days)$25
Dormant Account Fee$5
per month
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft – each Item Paid$29
per item
Nonsufficient Funds (NSF)$29
per item
Overdraft Protection Transfer$4

ATM & Card

Foreign ATM (not owned by WPB&TC)No charge
ATM Card or Debit Card (replacement)$10

Wire Transfers

Domestic Wire Transfers: Outgoing (customer only)$20
Domestic Wire Transfers: Incoming (customer only)$10
International Wire Transfers: Outgoing (customer only)$60

Check Services

Cashier’s Checks (Customer Only)$5
Stop Payments – each item$29
per item
Collection Item (Incoming or Outgoing)$15
Foreign Item Collection Fee$25

Cash & Deposit

Coin Counting (Non-Customer or Business) (audience not stated, treated as personal)1%($5 minimum)
Deposited Items Returned Unpaid$5
per item

Account Services

Notary Public Service (Customer Only)No charge
Safe Deposit Box 10x10$115
Safe Deposit Box 3x10$40
Safe Deposit Box 3x5$20
Safe Deposit Box 5x10$65
Safe Deposit Box 5x5$30
Garnishment/Levies (per garnishment or levy)$50
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$6	per month	None
Early Account Closure Fee (First 90 Days)	$25	Not stated	None
Dormant Account Fee	$5	per month	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft – each Item Paid	$29	per item	None
Nonsufficient Funds (NSF)	$29	per item	None
Overdraft Protection Transfer	$4	Not stated	None
ATM & Card
Foreign ATM (not owned by WPB&TC)	No charge	Not stated	None
ATM Card or Debit Card (replacement)	$10	Not stated	None
Wire Transfers
Domestic Wire Transfers: Outgoing (customer only)	$20	Not stated	None
Domestic Wire Transfers: Incoming (customer only)	$10	Not stated	None
International Wire Transfers: Outgoing (customer only)	$60	Not stated	None
Check Services
Cashier’s Checks (Customer Only)	$5	Not stated	None
Stop Payments – each item	$29	per item	None
Collection Item (Incoming or Outgoing)	$15	Not stated	None
Foreign Item Collection Fee	$25	Not stated	None
Cash & Deposit
Coin Counting (Non-Customer or Business) (audience not stated, treated as personal)	1%($5 minimum)	Not stated	None
Deposited Items Returned Unpaid	$5	per item	None
Account Services
Notary Public Service (Customer Only)	No charge	Not stated	None
Safe Deposit Box 10x10	$115	Not stated	None
Safe Deposit Box 3x10	$40	Not stated	None
Safe Deposit Box 3x5	$20	Not stated	None
Safe Deposit Box 5x10	$65	Not stated	None
Safe Deposit Box 5x5	$30	Not stated	None
Garnishment/Levies (per garnishment or levy)	$50	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 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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