vs. U.S. typical range:LowerTypicalHigher
$1 above the national median$1.26 above the Mississippi median
per month · Source
$2.50 above the national medianAt the Mississippi median
$2 below the national median$2 below the Mississippi median
per month · Source
$12.50 above the national median$10 above the Mississippi median
$5 above the national medianAt the Mississippi median
$10 below the national median$11.25 below the Mississippi median
$5 above the national median$3.75 above the Mississippi median
At the national median$2 above the Mississippi median
$0.50 below the national median$1 below the Mississippi median
At the national medianAt the Mississippi median
$5 below the national medianAt the Mississippi median
At the national medianAt the Mississippi median
At the national median$1.50 below the Mississippi median
per item · Source
$7.50 above the national median$5 above the Mississippi median
$40 above the national median$40 above the Mississippi median
$15 above the national median$15 above the Mississippi median
per item · Source
$20 below the national median$7 below the Mississippi median
$3.45 above the national median$5.95 above the Mississippi median
$10 below the national median$5 below the Mississippi median
$155 above the national median$155 above the Mississippi median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Regular Checking Service Charge | $7Within the typical range ($4–$10 nationally) | $1 above the national median$1.26 above the Mississippi median | per month | — | Source |
| Early Account Closing Fee for Checking and Savings Accounts | $20Within the typical range ($10–$25 nationally) | $2.50 above the national medianAt the Mississippi median | — | — | Source |
| Dormant Account Monthly Fee (Regardless of balance) | $3Below the typical range ($5–$10 nationally) | $2 below the national median$2 below the Mississippi median | per month | — | Source |
| Research Fee Per Hour (minimum $15.00) | $30Above the typical range ($11.38–$25 nationally) | $12.50 above the national median$10 above the Mississippi median | — | — | Source |
Overdraft & NSFVerified | |||||
| Refer to Bounce Protection Overdraft Disclosure. | $35Above the typical range ($25–$33 nationally) | $5 above the national medianAt the Mississippi median | — | — | Source |
| or if an NSF item overdraws the account by less than | $20 | ||||
ATM & CardVerified | |||||
| ATM Withdrawals at Machines Not Owned or Operated by UMB | $1Within the typical range ($1–$2.25 nationally) | $0.50 below the national median$1 below the Mississippi median | — | — | Source |
| ATM/Debit Card Replacement | $10 | ||||
Wire TransfersVerified | |||||
| Wire Transfer Domestic Outgoing | $20Within the typical range ($20–$25 nationally) | $5 below the national medianAt the Mississippi median | — | — | Source |
| Wire Transfer International Outgoing | $50 | ||||
Check ServicesVerified | |||||
| Official Check Fee (per check) | $5Within the typical range ($3–$6 nationally) | At the national median$1.50 below the Mississippi median | per item | — | Source |
| Stop Payment Fee | $35 | ||||
Digital & ElectronicVerified | |||||
| ACH Origination Conversion and Set Up (one time fee) | $50Above the typical range ($5–$20 nationally) | $40 above the national median$40 above the Mississippi median | — | — | Source |
| ACH Origination per Account, Per Application (payroll, etc.) | $25 | ||||
Cash & DepositVerified | |||||
| Deposited Items Returned Unpaid | $5Below the typical range ($8–$25 nationally) | $10 below the national median$5 below the Mississippi median | — | — | Source |
| Night Drop Key Replacement | $25 | ||||
Account ServicesVerified | |||||
| Safe Deposit Box Drilled | $200Above the typical range ($30–$70 nationally) | $155 above the national median$155 above the Mississippi median | — | — | Source |
Its state has too few comparable institutions, so these are its Fed district peers.
Overdraft
$35.00
Of 97 others that publish it, 49 lower, 34 the same and 14 higher.
Monthly maintenance
$7.00
Of 84 others that publish it, 33 lower, 6 the same and 45 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
Headline fees published
11 of 15
Published fees
21
Under review
0
Assets
$560.7M
Work at United Mississippi Bank? See every fee vs. your peers.
Fee Insight Pro
Need this every month, for your whole team?
Pro gives up to 5 people the Hamilton workspace: your fees against peers you pick, a watchlist of competitor fee changes, and cited board-ready reports.
Financial Context
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
13
Service charge income by quarter
Financial profile · Pro
Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.
| $10 below the national median$11.25 below the Mississippi median |
| — |
| — |
| Source |
| or if an NSF item overdraws the account by less than . | $35Above the typical range ($25–$32 nationally) | $5 above the national median$3.75 above the Mississippi median | — | — | Source |
| Overdraft Sweep Transfer | $5Within the typical range ($2.50–$5 nationally) | At the national median$2 above the Mississippi median | — | — | Source |
| At the national medianAt the Mississippi median |
| — |
| — |
| Source |
| At the national medianAt the Mississippi median |
| — |
| — |
| Source |
| $7.50 above the national median$5 above the Mississippi median |
| — |
| — |
| Source |
| $15 above the national median$15 above the Mississippi median |
| per item |
| — |
| Source |
| ACH Origination Return (Chargeback) | $5Below the typical range ($15–$30 nationally) | $20 below the national median$7 below the Mississippi median | — | — | Source |
| Online Bill Pay for Commercial Customers | $5.95Within the typical range ($0–$9.95 nationally) | $3.45 above the national median$5.95 above the Mississippi median | — | — | Source |
| $15 above the national median |
| — |
| — |
| Source |