Farmers Bank of Northern Missouri

Headquarters: Unionville, Missouri
Charter: Bank
Assets: $566.5M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 16, 2026.

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Fees against the market

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

Monthly Maintenance
Hometown Basic Checking $3 to $5
Compared at $4, the middle of its prices
Farmers Bank of Northern Missouri: $3 to $5
Farmers Bank of Northern Missouri: $3 to $5
U.S. median: no median
Overdraft (OD)
Farmers Bank of Northern Missouri: $22.50
Farmers Bank of Northern Missouri: $22.50
U.S. median: no median
NSF / Returned Item
Farmers Bank of Northern Missouri: $22.50
Farmers Bank of Northern Missouri: $22.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Missouri, the Kansas City 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.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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 Farmers Bank of Northern Missouri’s own schedules, with a source for each figure.

Account Maintenance

Monthly Fee – The monthly fee$3
per month · Account: Hometown Basic Checking
Monthly Maintenance$5
per month
Minimum balance fee if the average daily balance drops below $50.00$5
Account Closed within 90 days of opening$10
Dormant Account Fee$2
per month
Account Balancing Assistance (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Minimum Balance Fee with Mailed Statements$5
Returned Mail$2
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft fee$22.50
per item
NSF / Returned Item$22.50
per item

ATM & Card

Foreign ATM ChargeNo charge
Debit Card replacement fee$15

Wire Transfers

Outgoing Wire Transfer - Domestic$15
Incoming Wire Transfer (customer)No charge
Outgoing Wire Transfer - International$70

Check Services

Cashier's Check$3
Personal Money Orders$2
Stop Payment Fee$20
Collection Item Fee - Incoming$20
Collection Item Fee - Outgoing$20

Cash & Deposit

Coin Counting (non-customers)5%($5 minimum)
Returned Deposited Item FeeNo charge
Lost Night Deposit Key$25

Account Services

Notary Fees _______________________________________$2
Not compared: Charged per page; comparison unavailable
per page
Late Payment Fee on Box Rent$5
Not compared: Box drilling or key fee
Safe Deposit Box (Replacement Key)$30
Not compared: Box drilling or key fee
Safe Deposit Box Drilling ____________________________ Varies$90
Not compared: Box drilling or key fee
Garnishments and Levy Fee$40
Third Party Verification Form Completion$12.50

Other Fees

Fax Copies - Incoming$1
Not compared: Charged per page; comparison unavailable
per page
Fax Copies - Outgoing$2
Photocopies$0.25
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee – The monthly fee	$3	per month	Account: Hometown Basic Checking
Monthly Maintenance	$5	per month	None
Minimum balance fee if the average daily balance drops below $50.00	$5	Not stated	None
Account Closed within 90 days of opening	$10	Not stated	None
Dormant Account Fee	$2	per month	None
Account Balancing Assistance (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Minimum Balance Fee with Mailed Statements	$5	Not stated	None
Returned Mail	$2Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft fee	$22.50	per item	None
NSF / Returned Item	$22.50	per item	None
ATM & Card
Foreign ATM Charge	No charge	Not stated	None
Debit Card replacement fee	$15	Not stated	None
Wire Transfers
Outgoing Wire Transfer - Domestic	$15	Not stated	None
Incoming Wire Transfer (customer)	No charge	Not stated	None
Outgoing Wire Transfer - International	$70	Not stated	None
Check Services
Cashier's Check	$3	Not stated	None
Personal Money Orders	$2	Not stated	None
Stop Payment Fee	$20	Not stated	None
Collection Item Fee - Incoming	$20	Not stated	None
Collection Item Fee - Outgoing	$20	Not stated	None
Cash & Deposit
Coin Counting (non-customers)	5%($5 minimum)	Not stated	None
Returned Deposited Item Fee	No charge	Not stated	None
Lost Night Deposit Key	$25	Not stated	None
Account Services
Notary Fees _______________________________________	$2Not compared: Charged per page; comparison unavailable	per page	None
Late Payment Fee on Box Rent	$5Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box (Replacement Key)	$30Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Drilling ____________________________ Varies	$90Not compared: Box drilling or key fee	Not stated	None
Garnishments and Levy Fee	$40	Not stated	None
Third Party Verification Form Completion	$12.50	Not stated	None
Other Fees
Fax Copies - Incoming	$1Not compared: Charged per page; comparison unavailable	per page	None
Fax Copies - Outgoing	$2	Not stated	None
Photocopies	$0.25Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 16, 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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