Heritage Bank of the Ozarks

Headquarters: Lebanon, Missouri
Charter: Bank
Assets: $424.0M
Fed district: St. Louis

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

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

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

Monthly Maintenance
Heritage Bank of the Ozarks: $10
Heritage Bank of the Ozarks: $10
U.S. median: no median
Overdraft (OD)
Heritage Bank of the Ozarks: $30
Heritage Bank of the Ozarks: $30
U.S. median: no median
NSF / Returned Item
Heritage Bank of the Ozarks: $30
Heritage Bank of the Ozarks: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 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 Heritage Bank of the Ozarks’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$10
per month
Dormant Account Fee$5
per month
Inactive Account$1
per month
Account Balancing Assistance$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Excess transfers$10
per item
Excess transfers$1
per item

Overdraft & NSF

Overdraft Charge$30
Non-Sufficient Funds (NSF) Item Returned$30

ATM & Card

ATM/Debit Cards: Replacement$10
Visa® International Service Assessment1%of the transaction

Wire Transfers

Wire Transfers: Incoming-Domestic/Foreign$15

Check Services

Official Checks$5
Stop Payment Fee (check/electronic funds transfer)$25
Counter Checks$3
Collection Items: Incoming item$25
Check Copy (excessive/deposited items)$2

Digital & Electronic

Transfers and payments made through online banking and bill pay count toward the limit of six per month. Excess transfe$1
Not compared: Per-item charge, not monthly
per item
Transfers and payments made through online banking and bill pay count toward the limit of six per month. Excess transfe$10
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Coin Counting$5
Chargebacks (Returned Unpaid Deposit)$5
Night Drop Keys (in excess of 2)$5
per item

Account Services

Notary Charges per signature (non-customer)$2
per item
+ drilling cost$50
Not compared: Box drilling or key fee
Safe Deposit Late Charge$5
Not compared: Box drilling or key fee

Other Fees

Account Activity Printouts/Statement Copies$2
Fax$5

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$10	per month	None
Dormant Account Fee	$5	per month	None
Inactive Account	$1	per month	None
Account Balancing Assistance	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Excess transfers	$10	per item	None
Excess transfers	$1	per item	None
Overdraft & NSF
Overdraft Charge	$30	Not stated	None
Non-Sufficient Funds (NSF) Item Returned	$30	Not stated	None
ATM & Card
ATM/Debit Cards: Replacement	$10	Not stated	None
Visa® International Service Assessment	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfers: Incoming-Domestic/Foreign	$15	Not stated	None
Check Services
Official Checks	$5	Not stated	None
Stop Payment Fee (check/electronic funds transfer)	$25	Not stated	None
Counter Checks	$3	Not stated	None
Collection Items: Incoming item	$25	Not stated	None
Check Copy (excessive/deposited items)	$2	Not stated	None
Digital & Electronic
Transfers and payments made through online banking and bill pay count toward the limit of six per month. Excess transfe	$1Not compared: Per-item charge, not monthly	per item	None
Transfers and payments made through online banking and bill pay count toward the limit of six per month. Excess transfe	$10Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Coin Counting	$5	Not stated	None
Chargebacks (Returned Unpaid Deposit)	$5	Not stated	None
Night Drop Keys (in excess of 2)	$5	per item	None
Account Services
Notary Charges per signature (non-customer)	$2	per item	None
+ drilling cost	$50Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Late Charge	$5Not compared: Box drilling or key fee	Not stated	None
Other Fees
Account Activity Printouts/Statement Copies	$2	Not stated	None
Fax	$5	Not stated	None

Correct a fee source

Nov 2, 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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