United Bank of Union

Headquarters: Union, Missouri
Charter: Bank
Assets: $577.5M
Fed district: St. Louis

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

Source: its fee schedule, read Oct 18, 2026.

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Fees against the market

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

Monthly Maintenance
Can be waived with a balance of $50 or more.
United Bank of Union: $7
United Bank of Union: $7
U.S. median: no median
Overdraft (OD)
Compared at $35, its standard fee, the highest of its prices
United Bank of Union: $20 to $35
United Bank of Union: $20 to $35
U.S. median: no median
Non-Network ATM
Compared at $0.98, the middle of its prices
United Bank of Union: $0.45 to $1.50
United Bank of Union: $0.45 to $1.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 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 United Bank of Union’s own schedules, with a source for each figure.

Account Maintenance

Second Chance Account Service Charge$7
per month
Dormant Account$25
per month
Dormant Account$10
per month
Account Research$50
Not compared: Charged per hour; comparison unavailable
per hour
Checkbook Reconciliation$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft fee$35
per item
Reduced overdraft fee$20

ATM & Card

Fee for inquiry at ATM not owned by United Bank of Union or MoneyPass participant$0.45
per item
Fee for withdrawal at ATM not owned by United Bank of Union or MoneyPass participant$1.50
per item
ATM Replacement Card$10
per item
Freedom Debit Card Replacement$10
per item

Check Services

Cashier's Checks$7
per item
Money Orders$5
per item
Stop Payment Fee$30
per item
Temporary Checks$1
per item
Collection Items$20
Cancelled Check Copy$3
per item

Account Services

Garnishment Fee$100

Other Fees

FAX Copies (Minimum of 2 Sent and Received)$1
Not compared: Charged per page; comparison unavailable
per page
Photocopies$0.25
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Second Chance Account Service Charge	$7	per month	None
Dormant Account	$25	per month	None
Dormant Account	$10	per month	None
Account Research	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Checkbook Reconciliation	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft fee	$35	per item	None
Reduced overdraft fee	$20	Not stated	None
ATM & Card
Fee for inquiry at ATM not owned by United Bank of Union or MoneyPass participant	$0.45	per item	None
Fee for withdrawal at ATM not owned by United Bank of Union or MoneyPass participant	$1.50	per item	None
ATM Replacement Card	$10	per item	None
Freedom Debit Card Replacement	$10	per item	None
Check Services
Cashier's Checks	$7	per item	None
Money Orders	$5	per item	None
Stop Payment Fee	$30	per item	None
Temporary Checks	$1	per item	None
Collection Items	$20	Not stated	None
Cancelled Check Copy	$3	per item	None
Account Services
Garnishment Fee	$100	Not stated	None
Other Fees
FAX Copies (Minimum of 2 Sent and Received)	$1Not compared: Charged per page; comparison unavailable	per page	None
Photocopies	$0.25Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 18, 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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