vs. U.S. typical range:LowerTypicalHigher
$1 above the national median$0.52 above the Missouri median
per month · Source
$20 above the national median$20 above the Missouri median
per month · Source
$5 above the national median$5 above the Missouri median
per month · Source
$32.50 above the national median$32.50 above the Missouri median
$2.50 below the national median$2.50 below the Missouri median
$2.50 below the national median$2.50 below the Missouri median
$5 above the national median$5.75 above the Missouri median
per item · Source
$1.05 below the national median$1.05 below the Missouri median
per item · Source
At the national medianAt the Missouri median
per transaction · Source
At the national medianAt the Missouri median
per item · Source
At the national medianAt the Missouri median
per item · Source
$2 above the national median$2 above the Missouri median
per item · Source
$3 above the national median$3 above the Missouri median
per item · Source
$2.50 above the national median$2 above the Missouri median
per item · Source
$1 below the national medianAt the Missouri median
per item · Source
At the national medianAt the Missouri median
At the national median$1 above the Missouri median
per item · Source
$50 above the national median$50 above the Missouri median
$2.75 below the national median$1.75 below the Missouri median
per item · Source
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Second Chance Account Service Charge | $7Within the typical range ($4–$10 nationally) | $1 above the national median$0.52 above the Missouri median | per month | — | Source |
| Service Charge for: Dormant (No External Activity for More Than 731 Days) With Balance Less Than | $25Above the typical range ($5–$10 nationally) | $20 above the national median$20 above the Missouri median | per month | — | Source |
| Service Charge for: Inactivity (No External Activity for More Than 365 Days) With Balance Less Than | $10Within the typical range ($5–$10 nationally) | $5 above the national median$5 above the Missouri median | per month | — | Source |
| Account Research | $50Above the typical range ($11–$25 nationally) | $32.50 above the national median$32.50 above the Missouri median | — | — | Source |
| Checkbook Reconciliation | $15Within the typical range ($11–$25 nationally) | $2.50 below the national median$2.50 below the Missouri median | — | — | Source |
| Checkbook Reconciliation - | $15Within the typical range ($11–$25 nationally) | $2.50 below the national median$2.50 below the Missouri median | — | — | Source |
Overdraft & NSFVerified | |||||
| You are charged an overdraft fee | $35Above the typical range ($25–$33 nationally) | $5 above the national median$5.75 above the Missouri median | per item | — | Source |
ATM & CardVerified | |||||
| Fee for inquiry at ATM not owned by United Bank of Union or MoneyPass participant | $0.45Below the typical range ($1–$2.25 nationally) | $1.05 below the national median$1.05 below the Missouri median | per item | — | Source |
| Fee for withdrawal at ATM not owned by United Bank of Union or MoneyPass participant | $1.50 | ||||
Check ServicesVerified | |||||
| Cashier's Checks | $7Above the typical range ($3–$6 nationally) | $2 above the national median$2 above the Missouri median | per item | — | Source |
| Money Orders | $5 | ||||
Account ServicesVerified | |||||
| Garnishment Fee | $100Above the typical range ($30–$90 nationally) | $50 above the national median$50 above the Missouri median | — | — | Source |
Other FeesVerified | |||||
| Photocopies | $0.25Below the typical range ($2–$5 nationally) | $2.75 below the national median$1.75 below the Missouri median | per item | — | Source |
Fee change alerts
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Headline fees vs. national median
Overdraft
$35
Headline fees published
6 of 15
Published fees
19
Under review
0
Assets
$577.5M
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Financial Context
Financials as of Q2 2026 · FDIC call report
Total assets
$577.5M
Total deposits
$491.1M
Service charge income
$91K
Fee income ratio
1.4%
Return on assets
1.56%
Branches
3
Service charge income by quarter
Financial profile · Pro
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| At the national medianAt the Missouri median |
| per transaction |
| — |
| Source |
| ATM Replacement Card | $10Within the typical range ($5–$10 nationally) | At the national medianAt the Missouri median | per item | — | Source |
| Freedom Debit Card Replacement - | $10Within the typical range ($5–$10 nationally) | At the national medianAt the Missouri median | per item | — | Source |
| $3 above the national median$3 above the Missouri median |
| per item |
| — |
| Source |
| Stop Payment Fee | $30Within the typical range ($20–$30 nationally) | $2.50 above the national median$2 above the Missouri median | per item | — | Source |
| Temporary Checks | $1Within the typical range ($1–$4 nationally) | $1 below the national medianAt the Missouri median | per item | — | Source |
| Collection Items | $20Within the typical range ($10–$25 nationally) | At the national medianAt the Missouri median | — | — | Source |
| Cancelled Check Copy | $3Within the typical range ($2–$5 nationally) | At the national median$1 above the Missouri median | per item | — | Source |