Southern Bank

Headquarters: Poplar Bluff, Missouri
Charter: Bank
Assets: $5.2B
Fed district: St. Louis

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

Source: its fee schedule, read Oct 5, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Southern Bank: $28
Southern Bank: $28
U.S. median: no median
NSF / Returned Item
Southern Bank: $28
Southern Bank: $28
U.S. median: no median
Non-Network ATM
Southern Bank: $2
Southern Bank: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 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 Southern Bank’s own schedules, with a source for each figure.

Account Maintenance

Early Closing Consumer DDA$40
Statement Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Bad Address$10
per month

Overdraft & NSF

Overdraft Charge$28
per item
Return Item Charge$28
per item

ATM & Card

ATM Transaction$2
per item
Debit Card Replacement$8
per item
Debit Card Rush Order$30
per item

Check Services

Cashier’s Checks$7
per item
Personal Money Orders$5
per item
Interest Check Stop Payment & Reissuance$30
per item
Counter Checks$1
per item

Digital & Electronic

ACH Origination$10

Cash & Deposit

Returned Deposited Item Special Handling$20
per item

Account Services

Notary Service$3
per item
Safe Deposit Box Drilling$150
Not compared: Box drilling or key fee
Garnishments/Levies$75
per item
Subpoena$50
Not compared: Charged per hour; comparison unavailable
per hour
Deposit Verification/Confirmations$25
per item

Retirement & IRA

IRA Annual Maintenance$10
per year

Other Fees

Statement Reproduction$2

Fee	Amount	Basis	Note
Account Maintenance
Early Closing Consumer DDA	$40	Not stated	None
Statement Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Bad Address	$10	per month	None
Overdraft & NSF
Overdraft Charge	$28	per item	None
Return Item Charge	$28	per item	None
ATM & Card
ATM Transaction	$2	per item	None
Debit Card Replacement	$8	per item	None
Debit Card Rush Order	$30	per item	None
Check Services
Cashier’s Checks	$7	per item	None
Personal Money Orders	$5	per item	None
Interest Check Stop Payment & Reissuance	$30	per item	None
Counter Checks	$1	per item	None
Digital & Electronic
ACH Origination	$10	Not stated	None
Cash & Deposit
Returned Deposited Item Special Handling	$20	per item	None
Account Services
Notary Service	$3	per item	None
Safe Deposit Box Drilling	$150Not compared: Box drilling or key fee	Not stated	None
Garnishments/Levies	$75	per item	None
Subpoena	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Deposit Verification/Confirmations	$25	per item	None
Retirement & IRA
IRA Annual Maintenance	$10	per year	None
Other Fees
Statement Reproduction	$2	Not stated	None

Account Maintenance

Early Closing Business DDA$60
Statement Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Bad Address$10
per month

Overdraft & NSF

Overdraft Charge$28
per item
Return Item Charge$28
per item

ATM & Card

ATM Transaction$2
per item
Debit Card Replacement$8
per item
Debit Card Rush Order$30
per item

Check Services

Cashier’s Checks$7
per item
Personal Money Orders$5
per item
Interest Check Stop Payment & Reissuance$30
per item
Counter Checks$1
per item

Digital & Electronic

ACH Origination$10

Cash & Deposit

Returned Deposited Item Special Handling$20
per item

Account Services

Notary Service$3
per item
Safe Deposit Box Drilling$150
Not compared: Box drilling or key fee
Garnishments/Levies$75
per item
Subpoena$50
Not compared: Charged per hour; comparison unavailable
per hour
Deposit Verification/Confirmations$25
per item

Retirement & IRA

IRA Annual Maintenance$10
per year

Other Fees

Statement Reproduction$2

Fee	Amount	Basis	Note
Account Maintenance
Early Closing Business DDA	$60	Not stated	None
Statement Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Bad Address	$10	per month	None
Overdraft & NSF
Overdraft Charge	$28	per item	None
Return Item Charge	$28	per item	None
ATM & Card
ATM Transaction	$2	per item	None
Debit Card Replacement	$8	per item	None
Debit Card Rush Order	$30	per item	None
Check Services
Cashier’s Checks	$7	per item	None
Personal Money Orders	$5	per item	None
Interest Check Stop Payment & Reissuance	$30	per item	None
Counter Checks	$1	per item	None
Digital & Electronic
ACH Origination	$10	Not stated	None
Cash & Deposit
Returned Deposited Item Special Handling	$20	per item	None
Account Services
Notary Service	$3	per item	None
Safe Deposit Box Drilling	$150Not compared: Box drilling or key fee	Not stated	None
Garnishments/Levies	$75	per item	None
Subpoena	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Deposit Verification/Confirmations	$25	per item	None
Retirement & IRA
IRA Annual Maintenance	$10	per year	None
Other Fees
Statement Reproduction	$2	Not stated	None

Correct a fee source

Oct 5, 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.

Fee change alerts

Get an email when Southern Bank'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.

Overdraft (OD)
Southern Bank: $28
Southern Bank: $28
U.S. median: no median
NSF / Returned Item
Southern Bank: $28
Southern Bank: $28
U.S. median: no median
Non-Network ATM
Southern Bank: $2
Southern Bank: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 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 Southern Bank’s own schedules, with a source for each figure.

Account Maintenance

Early Closing Consumer DDA$40
Statement Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Bad Address$10
per month

Overdraft & NSF

Overdraft Charge$28
per item
Return Item Charge$28
per item

ATM & Card

ATM Transaction$2
per item
Debit Card Replacement$8
per item
Debit Card Rush Order$30
per item

Check Services

Cashier’s Checks$7
per item
Personal Money Orders$5
per item
Interest Check Stop Payment & Reissuance$30
per item
Counter Checks$1
per item

Digital & Electronic

ACH Origination$10

Cash & Deposit

Returned Deposited Item Special Handling$20
per item

Account Services

Notary Service$3
per item
Safe Deposit Box Drilling$150
Not compared: Box drilling or key fee
Garnishments/Levies$75
per item
Subpoena$50
Not compared: Charged per hour; comparison unavailable
per hour
Deposit Verification/Confirmations$25
per item

Retirement & IRA

IRA Annual Maintenance$10
per year

Other Fees

Statement Reproduction$2

Fee	Amount	Basis	Note
Account Maintenance
Early Closing Consumer DDA	$40	Not stated	None
Statement Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Bad Address	$10	per month	None
Overdraft & NSF
Overdraft Charge	$28	per item	None
Return Item Charge	$28	per item	None
ATM & Card
ATM Transaction	$2	per item	None
Debit Card Replacement	$8	per item	None
Debit Card Rush Order	$30	per item	None
Check Services
Cashier’s Checks	$7	per item	None
Personal Money Orders	$5	per item	None
Interest Check Stop Payment & Reissuance	$30	per item	None
Counter Checks	$1	per item	None
Digital & Electronic
ACH Origination	$10	Not stated	None
Cash & Deposit
Returned Deposited Item Special Handling	$20	per item	None
Account Services
Notary Service	$3	per item	None
Safe Deposit Box Drilling	$150Not compared: Box drilling or key fee	Not stated	None
Garnishments/Levies	$75	per item	None
Subpoena	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Deposit Verification/Confirmations	$25	per item	None
Retirement & IRA
IRA Annual Maintenance	$10	per year	None
Other Fees
Statement Reproduction	$2	Not stated	None

Account Maintenance

Early Closing Business DDA$60
Statement Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Bad Address$10
per month

Overdraft & NSF

Overdraft Charge$28
per item
Return Item Charge$28
per item

ATM & Card

ATM Transaction$2
per item
Debit Card Replacement$8
per item
Debit Card Rush Order$30
per item

Check Services

Cashier’s Checks$7
per item
Personal Money Orders$5
per item
Interest Check Stop Payment & Reissuance$30
per item
Counter Checks$1
per item

Digital & Electronic

ACH Origination$10

Cash & Deposit

Returned Deposited Item Special Handling$20
per item

Account Services

Notary Service$3
per item
Safe Deposit Box Drilling$150
Not compared: Box drilling or key fee
Garnishments/Levies$75
per item
Subpoena$50
Not compared: Charged per hour; comparison unavailable
per hour
Deposit Verification/Confirmations$25
per item

Retirement & IRA

IRA Annual Maintenance$10
per year

Other Fees

Statement Reproduction$2

Fee	Amount	Basis	Note
Account Maintenance
Early Closing Business DDA	$60	Not stated	None
Statement Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Bad Address	$10	per month	None
Overdraft & NSF
Overdraft Charge	$28	per item	None
Return Item Charge	$28	per item	None
ATM & Card
ATM Transaction	$2	per item	None
Debit Card Replacement	$8	per item	None
Debit Card Rush Order	$30	per item	None
Check Services
Cashier’s Checks	$7	per item	None
Personal Money Orders	$5	per item	None
Interest Check Stop Payment & Reissuance	$30	per item	None
Counter Checks	$1	per item	None
Digital & Electronic
ACH Origination	$10	Not stated	None
Cash & Deposit
Returned Deposited Item Special Handling	$20	per item	None
Account Services
Notary Service	$3	per item	None
Safe Deposit Box Drilling	$150Not compared: Box drilling or key fee	Not stated	None
Garnishments/Levies	$75	per item	None
Subpoena	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Deposit Verification/Confirmations	$25	per item	None
Retirement & IRA
IRA Annual Maintenance	$10	per year	None
Other Fees
Statement Reproduction	$2	Not stated	None

Correct a fee source

Oct 5, 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.