St. Johns Bank and Trust Company

Headquarters: Saint Louis, Missouri
Charter: Bank
Assets: $297.1M
Fed district: St. Louis

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

Source: its fee schedule, read Oct 29, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Compared at $10, the middle of its prices
St. Johns Bank and Trust Company: $5 to $15
St. Johns Bank and Trust Company: $5 to $15
U.S. median: no median
Overdraft (OD)
St. Johns Bank and Trust Company: $32
St. Johns Bank and Trust Company: $32
U.S. median: no median
NSF / Returned Item
St. Johns Bank and Trust Company: $32
St. Johns Bank and Trust Company: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 29, 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 St. Johns Bank and Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$5
per month
Monthly fee$15
per month
Christmas Club, if account closed prior to annual pay out$5
Not compared: Annual charge, not per item
per year
Early Account Closure: Checking, within 180 days$25
Penalty for early closure (Christmas Club)$5
one time
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Handling Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Fee for the payment of each overdraft$32
per item
Item paid into overdraft$32
Returned NSF fee$32
per item
Continuous Negative Balance, per day$5
per day

ATM & Card

ATM Withdrawal | At a non-St. Johns Bank ATM$1
ATM/Visa Debit Card Replacement$10
per item

Wire Transfers

Wire Transfers, domestic (optional)$10
Wire Transfers (customers only): Incoming - Domestic$10

Check Services

Stop Payments$32
per item

Digital & Electronic

ACH Origination, per item$0.16
per item
ACH Origination, per month (optional)$10
Not compared: Monthly charge, not per item
per month
Bill Pay charge per item$0.50
Not compared: Per-item charge, not monthly
per item
Bill Pay charge per month$5.95
per month
Bill Pay Per Item Charge (audience not stated, treated as personal)$0.50
Not compared: Per-occurrence charge, not monthly
per item
Bill Pay, personal accountsNo charge

Cash & Deposit

Deposited Item Returned$12
per item

Account Services

NotaryNo charge
Garnishment/Levy$10
per item
Verification of Deposit/Loan$10
per item

Retirement & IRA

External Transfer of IRA$30
per item

Other Fees

Photocopies$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$5	per month	None
Monthly fee	$15	per month	None
Christmas Club, if account closed prior to annual pay out	$5Not compared: Annual charge, not per item	per year	None
Early Account Closure: Checking, within 180 days	$25	Not stated	None
Penalty for early closure (Christmas Club)	$5	one time	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Handling Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Fee for the payment of each overdraft	$32	per item	None
Item paid into overdraft	$32	Not stated	None
Returned NSF fee	$32	per item	None
Continuous Negative Balance, per day	$5	per day	None
ATM & Card
ATM Withdrawal \| At a non-St. Johns Bank ATM	$1	Not stated	None
ATM/Visa Debit Card Replacement	$10	per item	None
Wire Transfers
Wire Transfers, domestic (optional)	$10	Not stated	None
Wire Transfers (customers only): Incoming - Domestic	$10	Not stated	None
Check Services
Stop Payments	$32	per item	None
Digital & Electronic
ACH Origination, per item	$0.16	per item	None
ACH Origination, per month (optional)	$10Not compared: Monthly charge, not per item	per month	None
Bill Pay charge per item	$0.50Not compared: Per-item charge, not monthly	per item	None
Bill Pay charge per month	$5.95	per month	None
Bill Pay Per Item Charge (audience not stated, treated as personal)	$0.50Not compared: Per-occurrence charge, not monthly	per item	None
Bill Pay, personal accounts	No charge	Not stated	None
Cash & Deposit
Deposited Item Returned	$12	per item	None
Account Services
Notary	No charge	Not stated	None
Garnishment/Levy	$10	per item	None
Verification of Deposit/Loan	$10	per item	None
Retirement & IRA
External Transfer of IRA	$30	per item	None
Other Fees
Photocopies	$1	per item	None

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

Account Maintenance

Christmas Club, if account closed prior to annual pay out$5
Not compared: Annual charge, not per item
per year
Early Account Closure: Checking, within 180 days$25
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Handling Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Fee for the payment of each overdraft$32
per item
Item paid into overdraft$32
Returned NSF fee$32
per item
Continuous Negative Balance, per day$5
per day

ATM & Card

ATM Withdrawal | At a non-St. Johns Bank ATM$1
ATM/Visa Debit Card Replacement$10
per item

Wire Transfers

Wire Transfers, domestic (optional)$10
Wire Transfers (customers only): Incoming - Domestic$10

Check Services

Stop Payments$32
per item

Digital & Electronic

ACH Origination, per item$0.16
per item
ACH Origination, per month (optional)$10
Not compared: Monthly charge, not per item
per month
Bill Pay charge per item$0.50
Not compared: Per-item charge, not monthly
per item
Bill Pay charge per month$5.95
per month
Bill Pay, business accounts$5.95
per month

Cash & Deposit

Deposited Item Returned$12
per item

Account Services

NotaryNo charge
Garnishment/Levy$10
per item
Verification of Deposit/Loan$10
per item

Retirement & IRA

External Transfer of IRA$30
per item

Other Fees

Photocopies$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Christmas Club, if account closed prior to annual pay out	$5Not compared: Annual charge, not per item	per year	None
Early Account Closure: Checking, within 180 days	$25	Not stated	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Handling Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Fee for the payment of each overdraft	$32	per item	None
Item paid into overdraft	$32	Not stated	None
Returned NSF fee	$32	per item	None
Continuous Negative Balance, per day	$5	per day	None
ATM & Card
ATM Withdrawal \| At a non-St. Johns Bank ATM	$1	Not stated	None
ATM/Visa Debit Card Replacement	$10	per item	None
Wire Transfers
Wire Transfers, domestic (optional)	$10	Not stated	None
Wire Transfers (customers only): Incoming - Domestic	$10	Not stated	None
Check Services
Stop Payments	$32	per item	None
Digital & Electronic
ACH Origination, per item	$0.16	per item	None
ACH Origination, per month (optional)	$10Not compared: Monthly charge, not per item	per month	None
Bill Pay charge per item	$0.50Not compared: Per-item charge, not monthly	per item	None
Bill Pay charge per month	$5.95	per month	None
Bill Pay, business accounts	$5.95	per month	None
Cash & Deposit
Deposited Item Returned	$12	per item	None
Account Services
Notary	No charge	Not stated	None
Garnishment/Levy	$10	per item	None
Verification of Deposit/Loan	$10	per item	None
Retirement & IRA
External Transfer of IRA	$30	per item	None
Other Fees
Photocopies	$1	per item	None

Correct a fee source

Oct 29, 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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Get an email when St. Johns Bank and Trust Company's nsf / returned item changes in our data

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Fees against the market

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

Monthly Maintenance
Compared at $10, the middle of its prices
St. Johns Bank and Trust Company: $5 to $15
St. Johns Bank and Trust Company: $5 to $15
U.S. median: no median
Overdraft (OD)
St. Johns Bank and Trust Company: $32
St. Johns Bank and Trust Company: $32
U.S. median: no median
NSF / Returned Item
St. Johns Bank and Trust Company: $32
St. Johns Bank and Trust Company: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 29, 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.

Published fee schedule

Amounts from St. Johns Bank and Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$5
per month
Monthly fee$15
per month
Christmas Club, if account closed prior to annual pay out$5
Not compared: Annual charge, not per item
per year
Early Account Closure: Checking, within 180 days$25
Penalty for early closure (Christmas Club)$5
one time
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Handling Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Fee for the payment of each overdraft$32
per item
Item paid into overdraft$32
Returned NSF fee$32
per item
Continuous Negative Balance, per day$5
per day

ATM & Card

ATM Withdrawal | At a non-St. Johns Bank ATM$1
ATM/Visa Debit Card Replacement$10
per item

Wire Transfers

Wire Transfers, domestic (optional)$10
Wire Transfers (customers only): Incoming - Domestic$10

Check Services

Stop Payments$32
per item

Digital & Electronic

ACH Origination, per item$0.16
per item
ACH Origination, per month (optional)$10
Not compared: Monthly charge, not per item
per month
Bill Pay charge per item$0.50
Not compared: Per-item charge, not monthly
per item
Bill Pay charge per month$5.95
per month
Bill Pay Per Item Charge (audience not stated, treated as personal)$0.50
Not compared: Per-occurrence charge, not monthly
per item
Bill Pay, personal accountsNo charge

Cash & Deposit

Deposited Item Returned$12
per item

Account Services

NotaryNo charge
Garnishment/Levy$10
per item
Verification of Deposit/Loan$10
per item

Retirement & IRA

External Transfer of IRA$30
per item

Other Fees

Photocopies$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$5	per month	None
Monthly fee	$15	per month	None
Christmas Club, if account closed prior to annual pay out	$5Not compared: Annual charge, not per item	per year	None
Early Account Closure: Checking, within 180 days	$25	Not stated	None
Penalty for early closure (Christmas Club)	$5	one time	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Handling Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Fee for the payment of each overdraft	$32	per item	None
Item paid into overdraft	$32	Not stated	None
Returned NSF fee	$32	per item	None
Continuous Negative Balance, per day	$5	per day	None
ATM & Card
ATM Withdrawal \| At a non-St. Johns Bank ATM	$1	Not stated	None
ATM/Visa Debit Card Replacement	$10	per item	None
Wire Transfers
Wire Transfers, domestic (optional)	$10	Not stated	None
Wire Transfers (customers only): Incoming - Domestic	$10	Not stated	None
Check Services
Stop Payments	$32	per item	None
Digital & Electronic
ACH Origination, per item	$0.16	per item	None
ACH Origination, per month (optional)	$10Not compared: Monthly charge, not per item	per month	None
Bill Pay charge per item	$0.50Not compared: Per-item charge, not monthly	per item	None
Bill Pay charge per month	$5.95	per month	None
Bill Pay Per Item Charge (audience not stated, treated as personal)	$0.50Not compared: Per-occurrence charge, not monthly	per item	None
Bill Pay, personal accounts	No charge	Not stated	None
Cash & Deposit
Deposited Item Returned	$12	per item	None
Account Services
Notary	No charge	Not stated	None
Garnishment/Levy	$10	per item	None
Verification of Deposit/Loan	$10	per item	None
Retirement & IRA
External Transfer of IRA	$30	per item	None
Other Fees
Photocopies	$1	per item	None

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

Account Maintenance

Christmas Club, if account closed prior to annual pay out$5
Not compared: Annual charge, not per item
per year
Early Account Closure: Checking, within 180 days$25
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Handling Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Fee for the payment of each overdraft$32
per item
Item paid into overdraft$32
Returned NSF fee$32
per item
Continuous Negative Balance, per day$5
per day

ATM & Card

ATM Withdrawal | At a non-St. Johns Bank ATM$1
ATM/Visa Debit Card Replacement$10
per item

Wire Transfers

Wire Transfers, domestic (optional)$10
Wire Transfers (customers only): Incoming - Domestic$10

Check Services

Stop Payments$32
per item

Digital & Electronic

ACH Origination, per item$0.16
per item
ACH Origination, per month (optional)$10
Not compared: Monthly charge, not per item
per month
Bill Pay charge per item$0.50
Not compared: Per-item charge, not monthly
per item
Bill Pay charge per month$5.95
per month
Bill Pay, business accounts$5.95
per month

Cash & Deposit

Deposited Item Returned$12
per item

Account Services

NotaryNo charge
Garnishment/Levy$10
per item
Verification of Deposit/Loan$10
per item

Retirement & IRA

External Transfer of IRA$30
per item

Other Fees

Photocopies$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Christmas Club, if account closed prior to annual pay out	$5Not compared: Annual charge, not per item	per year	None
Early Account Closure: Checking, within 180 days	$25	Not stated	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Handling Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Fee for the payment of each overdraft	$32	per item	None
Item paid into overdraft	$32	Not stated	None
Returned NSF fee	$32	per item	None
Continuous Negative Balance, per day	$5	per day	None
ATM & Card
ATM Withdrawal \| At a non-St. Johns Bank ATM	$1	Not stated	None
ATM/Visa Debit Card Replacement	$10	per item	None
Wire Transfers
Wire Transfers, domestic (optional)	$10	Not stated	None
Wire Transfers (customers only): Incoming - Domestic	$10	Not stated	None
Check Services
Stop Payments	$32	per item	None
Digital & Electronic
ACH Origination, per item	$0.16	per item	None
ACH Origination, per month (optional)	$10Not compared: Monthly charge, not per item	per month	None
Bill Pay charge per item	$0.50Not compared: Per-item charge, not monthly	per item	None
Bill Pay charge per month	$5.95	per month	None
Bill Pay, business accounts	$5.95	per month	None
Cash & Deposit
Deposited Item Returned	$12	per item	None
Account Services
Notary	No charge	Not stated	None
Garnishment/Levy	$10	per item	None
Verification of Deposit/Loan	$10	per item	None
Retirement & IRA
External Transfer of IRA	$30	per item	None
Other Fees
Photocopies	$1	per item	None

Correct a fee source

Oct 29, 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.