Shamrock Bank, N.A.

Headquarters: Coalgate, Oklahoma
Charter: Bank
Assets: $501.5M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 21, 2026.

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Fees against the market

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

Monthly Maintenance
Emerald Shamrock Club Account $9.95 · Shamrock NOW Account $10
Compared at $9.98, the middle of its prices
Shamrock Bank, N.A.: $9.95 to $10
Shamrock Bank, N.A.: $9.95 to $10
U.S. median: no median
Overdraft (OD)
Shamrock Bank, N.A.: $35
Shamrock Bank, N.A.: $35
U.S. median: no median
NSF / Returned Item
Shamrock Bank, N.A.: $35
Shamrock Bank, N.A.: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 21, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Oklahoma, 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).
Oklahoma: Banks and credit unions headquartered in Oklahoma 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 Shamrock Bank, N.A.’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge$9.95
per month
Shamrock NOW Account Monthly service charge$10
per month
Dormant account (monthly)$8
per month
Research$22
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$5
Undeliverable/returned mail$2

Overdraft & NSF

Overdraft Fee$35
NSF Return Item Fees$35
Daily Overdraft Maintenance Fee$4
per day

ATM & Card

Reissue card$5
per item

Wire Transfers

Domestic Wire: Outgoing$20
Foreign Wire: Outgoing$45

Check Services

Cashier's Checks: Customer$3
Cashier's Checks: Non-customer$10
Money Orders: Customer$1
Money Orders: Non-customer$5
Stop Payment (ACH or Check)$35
Check Cashing (non-customer) - Greater1%($5 minimum)
Check Cashing (non-customer) - Greater (audience not stated, treated as personal)1%($5 minimum)

Digital & Electronic

BillPayNo charge

Cash & Deposit

Coin Machine: CustomerNo charge
Charge back item$5

Account Services

Signature Guaranty/Notary: Customer$2
Signature Guaranty/Notary: Non-customer$5
Drill box$150
Not compared: Box drilling or key fee
Late Fee$15
Not compared: Box drilling or key fee
per year
Lost key$20
Not compared: Box drilling or key fee
per item
Safe Deposit Box 10 x 10$70
Safe Deposit Box 3 x 10$40
Safe Deposit Box 4 x 5$25
Safe Deposit Box 5 x 10$50

Lending Fees

Late Fee$15
Not compared: Annual charge, not per item
per year

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$9.95	per month	None
Shamrock NOW Account Monthly service charge	$10	per month	None
Dormant account (monthly)	$8	per month	None
Research	$22Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$5	Not stated	None
Undeliverable/returned mail	$2	Not stated	None
Overdraft & NSF
Overdraft Fee	$35	Not stated	None
NSF Return Item Fees	$35	Not stated	None
Daily Overdraft Maintenance Fee	$4	per day	None
ATM & Card
Reissue card	$5	per item	None
Wire Transfers
Domestic Wire: Outgoing	$20	Not stated	None
Foreign Wire: Outgoing	$45	Not stated	None
Check Services
Cashier's Checks: Customer	$3	Not stated	None
Cashier's Checks: Non-customer	$10	Not stated	None
Money Orders: Customer	$1	Not stated	None
Money Orders: Non-customer	$5	Not stated	None
Stop Payment (ACH or Check)	$35	Not stated	None
Check Cashing (non-customer) - Greater	1%($5 minimum)	Not stated	None
Check Cashing (non-customer) - Greater (audience not stated, treated as personal)	1%($5 minimum)	Not stated	None
Digital & Electronic
BillPay	No charge	Not stated	None
Cash & Deposit
Coin Machine: Customer	No charge	Not stated	None
Charge back item	$5	Not stated	None
Account Services
Signature Guaranty/Notary: Customer	$2	Not stated	None
Signature Guaranty/Notary: Non-customer	$5	Not stated	None
Drill box	$150Not compared: Box drilling or key fee	Not stated	None
Late Fee	$15Not compared: Box drilling or key fee	per year	None
Lost key	$20Not compared: Box drilling or key fee	per item	None
Safe Deposit Box 10 x 10	$70	Not stated	None
Safe Deposit Box 3 x 10	$40	Not stated	None
Safe Deposit Box 4 x 5	$25	Not stated	None
Safe Deposit Box 5 x 10	$50	Not stated	None
Lending Fees
Late Fee	$15Not compared: Annual charge, not per item	per year	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 21, 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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