vs. U.S. typical range:LowerTypicalHigher
$12.50 below the national median$20 below the Missouri median
per year · Source
$7.50 above the national medianAt the Missouri median
$12.50 below the national median$12.50 below the Missouri median
per item · Source
$2 above the national median$2.75 above the Missouri median
$0.50 below the national median$0.50 below the Missouri median
At the national medianAt the Missouri median
per item · Source
$15 below the national median$15 below the Missouri median
At the national medianAt the Missouri median
$4.50 above the national median$4 above the Missouri median
per item · Source
$9.84 below the national median$9.84 below the Missouri median
per item · Institution’s schedule
$9.84 below the national median$9.84 below the Missouri median
per item · Source
At the national medianAt the Missouri median
per month · Source
$2 below the national median$4.50 below the Missouri median
per item · Source
$3.45 above the national median$0.95 above the Missouri median
per month · Source
$2 below the national median$4.50 below the Missouri median
per item · Institution’s schedule
$2.50 below the national median$5 below the Missouri median
$3 below the national median$2 above the Missouri median
per item · Source
$2.50 below the national median$1 below the Missouri median
$40 below the national median$40 below the Missouri median
per item · Source
At the national medianAt the Missouri median
per item · Source
$5 above the national median$20 below the Missouri median
per item · Source
$2 below the national median$1 below the Missouri median
per item · Source
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Christmas Club, if account closed prior to annual pay out | $5Below the typical range ($10–$25 nationally) | $12.50 below the national median$20 below the Missouri median | per year | — | Source |
| Early Account Closure: Checking, within 180 days | $25Within the typical range ($10–$25 nationally) | $7.50 above the national medianAt the Missouri median | — | — | Source |
| Returned Mail Handling Fee | $5Below the typical range ($11–$25 nationally) | $12.50 below the national median$12.50 below the Missouri median | per item | — | Source |
Overdraft & NSFVerified | |||||
| Item paid into overdraft | $32Within the typical range ($25–$33 nationally) | $2 above the national median$2.75 above the Missouri median | — | — | Source |
ATM & CardVerified | |||||
| ATM Withdrawal | At a non-St. Johns Bank ATM | $1Within the typical range ($1–$2.25 nationally) | $0.50 below the national median$0.50 below the Missouri median | — | — | Source |
| ATM/Visa Debit Card Replacement | $10 | ||||
Wire TransfersVerified | |||||
| Wire Transfers, domestic (optional) | $10Below the typical range ($20–$25 nationally) | $15 below the national median$15 below the Missouri median | — | — | Source |
| Wire Transfers (customers only): Incoming - Domestic | $10 | ||||
Check ServicesVerified | |||||
| Stop Payments | $32Above the typical range ($20–$30 nationally) | $4.50 above the national median$4 above the Missouri median | per item | — | Source |
Digital & ElectronicVerified | |||||
| ACH Origination Per Item | $0.16Below the typical range ($5–$20 nationally) | $9.84 below the national median$9.84 below the Missouri median | per item | — | Institution’s schedule |
| ACH Origination, per item | $0.16 | ||||
Cash & DepositVerified | |||||
| Deposited Item Returned | $12Within the typical range ($8–$25 nationally) | $3 below the national median$2 above the Missouri median | per item | — | Source |
Account ServicesVerified | |||||
| Notary | $0Within the typical range ($0–$5 nationally) | $2.50 below the national median$1 below the Missouri median | — | — | Source |
| Garnishment/Levy | $10 | ||||
Retirement & IRAVerified | |||||
| External Transfer of IRA | $30Within the typical range ($25–$35 nationally) | $5 above the national median$20 below the Missouri median | per item | — | Source |
Other FeesVerified | |||||
| Photocopies | $1Below the typical range ($2–$5 nationally) | $2 below the national median$1 below the Missouri median | per item | — | Source |
Fee change alerts
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Headline fees vs. national median
Overdraft
$32
Headline fees published
7 of 15
Published fees
22
Under review
0
Assets
$297.1M
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Financial Context
Financials as of Q2 2026 · FDIC call report
Total assets
$297.1M
Total deposits
$260.1M
Service charge income
$90K
Fee income ratio
2.6%
Return on assets
0.38%
Branches
4
Service charge income by quarter
Financial profile · Pro
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| At the national medianAt the Missouri median |
| per item |
| — |
| Source |
| At the national medianAt the Missouri median |
| — |
| — |
| Source |
| $9.84 below the national median$9.84 below the Missouri median |
| per item |
| — |
| Source |
| ACH Origination, per month (optional) | $10Within the typical range ($5–$20 nationally) | At the national medianAt the Missouri median | per month | — | Source |
| Bill Pay charge per item | $0.50Within the typical range ($0–$9.95 nationally) | $2 below the national median$4.50 below the Missouri median | per item | — | Source |
| Bill Pay charge per month | $5.95Within the typical range ($0–$9.95 nationally) | $3.45 above the national median$0.95 above the Missouri median | per month | — | Source |
| Bill Pay Per Item Charge | $0.50Within the typical range ($0–$9.95 nationally) | $2 below the national median$4.50 below the Missouri median | per item | — | Institution’s schedule |
| Bill Pay, personal accounts | $0Within the typical range ($0–$9.95 nationally) | $2.50 below the national median$5 below the Missouri median | — | — | Source |
| $40 below the national median$40 below the Missouri median |
| per item |
| — |
| Source |
| Verification of Deposit/Loan | $10Within the typical range ($5–$15 nationally) | At the national medianAt the Missouri median | per item | — | Source |