17 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 20, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Regular Checking
Can be waived with a balance of $500 or more.
Overdraft (OD)
NSF / Returned Item
Compared at $27.50, the middle of its prices
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Mississippi, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Amounts from United Mississippi Bank’s own schedules, with a source for each figure.
per month
per month
per hour
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Regular Checking Service Charge | $7 | per month | None |
| Early Account Closing Fee for Checking and Savings Accounts (within 90 days of opening) | $20 | Not stated | None |
| Early Closing Charge | $3 | Not stated | None |
| Dormant Account Monthly Fee (Regardless of balance) | $3 | per month | None |
| Research Fee Per Hour (minimum $15.00) (audience not stated, treated as personal) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Fee (audience not stated, treated as personal) | $35 | per item | None |
| Refer to Bounce Protection Overdraft Disclosure (audience not stated, treated as personal) | $35 | Not stated | None |
| NSF / Returned Item (audience not stated, treated as personal) | $20 | Not stated | None |
| NSF / Returned Item (audience not stated, treated as personal) | $35 | Not stated | None |
| Overdraft Sweep Transfer (audience not stated, treated as personal) | $5 | Not stated | None |
ATM & Card | |||
| ATM Withdrawals at Machines Not Owned or Operated by UMB | $1 | Not stated | None |
| ATM/Debit Card Replacement | $10 | Not stated | None |
Wire Transfers | |||
| Wire Transfer Domestic Outgoing (audience not stated, treated as personal) | $20 | Not stated | None |
| Wire Transfer International Outgoing (audience not stated, treated as personal) | $50 | Not stated | None |
Check Services | |||
| Official Check Fee (per check) (audience not stated, treated as personal) | $5 | per item | None |
| Stop Payment Fee (audience not stated, treated as personal) | $35 | Not stated | None |
Digital & Electronic | |||
| ACH Origination Conversion and Set Up (one time fee) | $50 | one time | None |
| ACH Origination per Account, Per Application (payroll, etc.) | $25 | per item | None |
| ACH Origination Return (Chargeback) | $5 | Not stated | None |
Cash & Deposit | |||
| Deposited Items Returned Unpaid | $5 | Not stated | None |
| Night Drop Key Replacement (audience not stated, treated as personal) | $25 | Not stated | None |
Account Services | |||
| Safe Deposit Box Drilled (audience not stated, treated as personal) | $200Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Replacement of Damaged Key (audience not stated, treated as personal) | $200Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Replacement of Lost Key (audience not stated, treated as personal) | $200Not compared: Box drilling or key fee | Not stated | None |
| Deposit Verification | $10 | 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
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closing Fee for Checking and Savings Accounts (within 90 days of opening) | $20 | Not stated | None |
| Dormant Account Monthly Fee (Regardless of balance) | $3 | per month | None |
ATM & Card | |||
| ATM Withdrawals at Machines Not Owned or Operated by UMB | $1 | Not stated | None |
| ATM/Debit Card Replacement | $10 | Not stated | None |
Digital & Electronic | |||
| ACH Origination Conversion and Set Up (one time fee) | $50 | one time | None |
| ACH Origination per Account, Per Application (payroll, etc.) | $25 | per item | None |
| ACH Origination Return (Chargeback) | $5 | Not stated | None |
| Online Bill Pay for Commercial Customers | $5.95 | Not stated | None |
Cash & Deposit | |||
| Deposited Items Returned Unpaid | $5 | Not stated | None |
Account Services | |||
| Deposit Verification | $10 | Not stated | None |
Oct 20, 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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