Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community bank, $300M to $1B

United Mississippi Bank

Natchez, MississippiBankAtlanta Fed districtFees collected Oct 3, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Dormant Account Monthly Fee (Regardless of balance)$3Below the typical range ($5.96–$200 nationally)

per month · Knox deterministic extraction from Rosetta artifact #418. canonical_hint=monthly_maintenance; text_hash=f59d75c685eeb1fd1e1367b9f2540f524edf5fbb1ed984eed8a1002094f841dc; excerpt="Dormant Account Monthly Fee (Regardless of balance) $3.00" · Source

Remote Deposit Capture for Commercial Customers (Monthly Service Fee)$75

$57.50 above the national median

per month · Knox deterministic extraction from Rosetta artifact #418. canonical_hint=monthly_maintenance; text_hash=f59d75c685eeb1fd1e1367b9f2540f524edf5fbb1ed984eed8a1002094f841dc; excerpt="Remote Deposit Capture for Commercial Customers (Monthly Service Fee) $75.00" · Source

Overdraft & NSFVerified

or if an NSF item overdraws the account by less than$20Within the typical range ($10–$30 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #418. canonical_hint=nsf; text_hash=f59d75c685eeb1fd1e1367b9f2540f524edf5fbb1ed984eed8a1002094f841dc; excerpt="or if an NSF item overdraws the account by less than $20.) $35.00" · Source
or if an NSF item overdraws the account by less that$20Within the typical range ($9.95–$35 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #418. canonical_hint=overdraft; text_hash=f59d75c685eeb1fd1e1367b9f2540f524edf5fbb1ed984eed8a1002094f841dc; excerpt="or if an NSF item overdraws the account by less that $20.) Refer to Bounce Protection Overdraft Disclosure.) $35.00" · Source
Overdraft Sweep Transfer$5Below the typical range ($9.95–$35 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #418. canonical_hint=overdraft; text_hash=f59d75c685eeb1fd1e1367b9f2540f524edf5fbb1ed984eed8a1002094f841dc; excerpt="Overdraft Sweep Transfer $5.00" · Source

ATM & CardVerified

ATM Withdrawals at Machines Not Owned or Operated by UMB$1Below the typical range ($2–$35 nationally)
$9 below the national median
Knox deterministic extraction from Rosetta artifact #418. canonical_hint=atm_non_network; text_hash=f59d75c685eeb1fd1e1367b9f2540f524edf5fbb1ed984eed8a1002094f841dc; excerpt="ATM Withdrawals at Machines Not Owned or Operated by UMB $1.00" · Source
ATM/Debit Card Replacement$10Within the typical range ($2–$35 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #418. canonical_hint=atm_non_network; text_hash=f59d75c685eeb1fd1e1367b9f2540f524edf5fbb1ed984eed8a1002094f841dc; excerpt="ATM/Debit Card Replacement $10.00" · Source

Check ServicesVerified

Official Check Fee (per check)$5Within the typical range ($5–$12.50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #418. canonical_hint=cashiers_check; text_hash=f59d75c685eeb1fd1e1367b9f2540f524edf5fbb1ed984eed8a1002094f841dc; excerpt="Official Check Fee (per check) $5.00" · Source

Digital & ElectronicVerified

ACH Origination Conversion and Set Up (one time fee)$50Above the typical range ($1.50–$20 nationally)
$44.94 above the national median
Knox deterministic extraction from Rosetta artifact #418. canonical_hint=ach_origination; text_hash=f59d75c685eeb1fd1e1367b9f2540f524edf5fbb1ed984eed8a1002094f841dc; excerpt="ACH Origination Conversion and Set Up (one time fee) $50.00" · Source
ACH Origination per Account, Per Application (payroll, etc.)$25Above the typical range ($1.50–$20 nationally)
$19.94 above the national median
Knox deterministic extraction from Rosetta artifact #418. canonical_hint=ach_origination; text_hash=f59d75c685eeb1fd1e1367b9f2540f524edf5fbb1ed984eed8a1002094f841dc; excerpt="ACH Origination per Account, Per Application (payroll, etc.) $25.00" · Source
ACH Origination Return (Chargeback)$5Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #418. canonical_hint=ach_return; text_hash=f59d75c685eeb1fd1e1367b9f2540f524edf5fbb1ed984eed8a1002094f841dc; excerpt="ACH Origination Return (Chargeback) $5.00" · Source
Online Bill Pay for Commercial Customers$5.95Within the typical range ($0–$12.45 nationally)
$0.47 above the national median
Knox deterministic extraction from Rosetta artifact #418. canonical_hint=bill_pay; text_hash=f59d75c685eeb1fd1e1367b9f2540f524edf5fbb1ed984eed8a1002094f841dc; excerpt="Online Bill Pay for Commercial Customers $5.95" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Account Monthly Fee (Regardless of balance)	$3Below the typical range ($5.96–$200 nationally)	$14.50 below the national median	per month	Knox deterministic extraction from Rosetta artifact #418. canonical_hint=monthly_maintenance; text_hash=f59d75c685eeb1fd1e1367b9f2540f524edf5fbb1ed984eed8a1002094f841dc; excerpt="Dormant Account Monthly Fee (Regardless of balance) $3.00"	Source
Remote Deposit Capture for Commercial Customers (Monthly Service Fee)	$75Within the typical range ($5.96–$200 nationally)	$57.50 above the national median	per month	Knox deterministic extraction from Rosetta artifact #418. canonical_hint=monthly_maintenance; text_hash=f59d75c685eeb1fd1e1367b9f2540f524edf5fbb1ed984eed8a1002094f841dc; excerpt="Remote Deposit Capture for Commercial Customers (Monthly Service Fee) $75.00"	Source
Overdraft & NSFVerified
or if an NSF item overdraws the account by less than	$20Within the typical range ($10–$30 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #418. canonical_hint=nsf; text_hash=f59d75c685eeb1fd1e1367b9f2540f524edf5fbb1ed984eed8a1002094f841dc; excerpt="or if an NSF item overdraws the account by less than $20.) $35.00"	Source
or if an NSF item overdraws the account by less that
ATM & CardVerified
ATM Withdrawals at Machines Not Owned or Operated by UMB	$1Below the typical range ($2–$35 nationally)	$9 below the national median	—	Knox deterministic extraction from Rosetta artifact #418. canonical_hint=atm_non_network; text_hash=f59d75c685eeb1fd1e1367b9f2540f524edf5fbb1ed984eed8a1002094f841dc; excerpt="ATM Withdrawals at Machines Not Owned or Operated by UMB $1.00"	Source
ATM/Debit Card Replacement
Check ServicesVerified
Official Check Fee (per check)	$5Within the typical range ($5–$12.50 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #418. canonical_hint=cashiers_check; text_hash=f59d75c685eeb1fd1e1367b9f2540f524edf5fbb1ed984eed8a1002094f841dc; excerpt="Official Check Fee (per check) $5.00"	Source
Digital & ElectronicVerified
ACH Origination Conversion and Set Up (one time fee)	$50Above the typical range ($1.50–$20 nationally)	$44.94 above the national median	—	Knox deterministic extraction from Rosetta artifact #418. canonical_hint=ach_origination; text_hash=f59d75c685eeb1fd1e1367b9f2540f524edf5fbb1ed984eed8a1002094f841dc; excerpt="ACH Origination Conversion and Set Up (one time fee) $50.00"	Source
ACH Origination per Account, Per Application (payroll, etc.)

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$20

Overdraft fee: $20

20% below the national median overdraft fee

Total fees: 12 — leaner than most institutions

Verified fees

Under review

Assets

$560.7M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$560.7M

Total deposits

$478.9M

Service charge income

$333K

Fee income ratio

4.5%

Return on assets

1.16%

Branches

Service charge income by quarter

Q2 2026$333K

Q1 2026$350K

Q4 2025$365K

Q3 2025$368K

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 5,739 verified fees from 1,547 institutions

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