25 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 18, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Regular Checking
Can be waived with a balance of $500 or more.
Overdraft (OD)
Compared at $15, its standard fee, the highest of its prices
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Amounts from Security Bank of Southwest Missouri’s own schedules, with a source for each figure.
per month
per quarter
per month
per month
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Service charge fee (Regular Checking, balance below $300.00) | $7 | per month | None |
| Service charge (balance falls below $100.00) | $5Not compared: Quarterly charge, not monthly | per quarter | None |
| Service charge fee (balance falls below $300.00) | $7 | per month | None |
| Dormant Account Statement (Monthly Maintenance Charge) | $10 | per month | None |
| Account Research & Checkbook Reconciliation--- min | $25 | Not stated | None |
| Paper statement monthly fee (The Ultimate Account) | $4 | per month | None |
Overdraft & NSF | |||
| Overdraft Charge | $15 | Not stated | None |
| Overdraft Fee | $10 | Not stated | None |
| Return Check Charge | $15 | Not stated | None |
ATM & Card | |||
| ATM Transfer of Funds at Non-Proprietary Terminal | $0.50 | Not stated | None |
| ATM Withdrawal at Non-Proprietary Terminal | $1 | Not stated | None |
| ATM/Debit Cards - Replacement Card | $10 | Not stated | None |
Wire Transfers | |||
| Wire Transfers (Outgoing) | $15 | Not stated | None |
| Wire Transfers (Incoming) | $7.50 | Not stated | None |
| Wire Transfers (International) | $60 | Not stated | None |
Check Services | |||
| Cashier's Check | $15 | Not stated | None |
| Personal Money Orders | $1 | Not stated | None |
| Stop Payment | $10 | Not stated | None |
| Temporary Checks (24 Checks & 4 Deposit Slips) | $2 | Not stated | None |
| Check Cashing (up to $1000.00) | $5 | Not stated | None |
| Collection Fee (Non Cash Items) | $10 | Not stated | None |
| Collection Fee (Safekeeping Note Payments) | $125Not compared: Annual charge, not per item | per year | None |
Digital & Electronic | |||
| ACH Return Fee | $10 | Not stated | None |
Cash & Deposit | |||
| Coin Counting (Non-Customer)-Mixed Coins | $0.50 | Not stated | None |
| Coin Counting (Non-Customer)-Single Coins | $0.10 | Not stated | None |
| Bank Generated Debits (Deposit Return Item Charge) | $2 | Not stated | None |
Account Services | |||
| Notary Service | $2 | Not stated | None |
| Safe Deposit Box (3 X 10) | $25 | per year | None |
| Safe Deposit Box (3 X 5) | $15 | per year | None |
| Safe Deposit Box (5 X 10) | $40 | per year | None |
| Safe Deposit Box (Late Payment) | $5Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box (Lost Keys) | $10Not compared: Box drilling or key fee | Not stated | None |
| Bank Generated Debits (Tax Levies) | $20 | Not stated | None |
Other Fees | |||
| Collection Fee (Photocopies) | $0.25 | Not stated | None |
| Fax Service (Receive) | $1 | per item | None |
| Fax Service (Transmit) | $2.50 | Not stated | None |
Oct 18, 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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