MA Bank

Headquarters: Macon, Missouri
Charter: Bank
Assets: $417.3M
Fed district: St. Louis

27 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
Account Online $5 · SecurePoint Checking $5 · SmartPoint Checking $10
Compared at $5, the middle of its prices
MA Bank: $5 to $10
MA Bank: $5 to $10
U.S. median: no median
Overdraft (OD)
MA Bank: $20
MA Bank: $20
U.S. median: no median
NSF / Returned Item
MA Bank: $20
MA Bank: $20
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 MA Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge$5
per month
Service Charge$5
per month
SmartPoint Checking Monthly service charge$10
per month
Early Closing Account$25
per item
Dormant Account$5
per month
Account Research$25
Statement Reconciliation$25
per item
Printed Paper Statement$3

Overdraft & NSF

Overdraft/Non-Sufficient Funds$20
per item
Overdraft/Non-Sufficient Funds$20
per item
Overdraft Daily Cap$120
per day · Maximum per day

ATM & Card

ATM Fee at Non-MA Bank ATM (foreign)$2
per item
Debit Card Replacement$7
per item

Wire Transfers

Wires: Domestic Outgoing$20
per item
Wires - Domestic IncomingNo charge
Wires: International Outgoing$40
per item
Wires - International IncomingNo charge

Check Services

Cashier’s Check$10
per item
Money Order$3
per item
Stop Pay: Check or ACH$20
per item
Temporary Check$0.15
per item
Temporary ChecksNo charge
Check Cashing (audience not stated, treated as personal)5%
Check Cashing5%
Collection Fee (Domestic & Foreign)$15
per item

Digital & Electronic

Online Bill PayNo charge

Cash & Deposit

Coin MachineNo charge
Cash Advance Convenience$2
per item
Deposit Item Return$2
per item

Account Services

Notary ServicesNo charge
Notary Services$2
per item
Late Payment$5
Not compared: Monthly charge, not annual
per month
Tax Levy$50
per item
Account VerificationsNo charge

Other Fees

Account Activity Fee/Copy of Statement$2
per item
Photocopy$0.25
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$5	per month	None
Service Charge	$5	per month	None
SmartPoint Checking Monthly service charge	$10	per month	None
Early Closing Account	$25	per item	None
Dormant Account	$5	per month	None
Account Research	$25	Not stated	None
Statement Reconciliation	$25	per item	None
Printed Paper Statement	$3	Not stated	None
Overdraft & NSF
Overdraft/Non-Sufficient Funds	$20	per item	None
Overdraft/Non-Sufficient Funds	$20	per item	None
Overdraft Daily Cap	$120	per day	Maximum per day
ATM & Card
ATM Fee at Non-MA Bank ATM (foreign)	$2	per item	None
Debit Card Replacement	$7	per item	None
Wire Transfers
Wires: Domestic Outgoing	$20	per item	None
Wires - Domestic Incoming	No charge	Not stated	None
Wires: International Outgoing	$40	per item	None
Wires - International Incoming	No charge	Not stated	None
Check Services
Cashier’s Check	$10	per item	None
Money Order	$3	per item	None
Stop Pay: Check or ACH	$20	per item	None
Temporary Check	$0.15	per item	None
Temporary Checks	No charge	Not stated	None
Check Cashing (audience not stated, treated as personal)	5%	Not stated	None
Check Cashing	5%	Not stated	None
Collection Fee (Domestic & Foreign)	$15	per item	None
Digital & Electronic
Online Bill Pay	No charge	Not stated	None
Cash & Deposit
Coin Machine	No charge	Not stated	None
Cash Advance Convenience	$2	per item	None
Deposit Item Return	$2	per item	None
Account Services
Notary Services	No charge	Not stated	None
Notary Services	$2	per item	None
Late Payment	$5Not compared: Monthly charge, not annual	per month	None
Tax Levy	$50	per item	None
Account Verifications	No charge	Not stated	None
Other Fees
Account Activity Fee/Copy of Statement	$2	per item	None
Photocopy	$0.25Not compared: Charged per page; comparison unavailable	per page	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

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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