21 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 15, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
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 Bank of Salem’s own schedules, with a source for each figure.
per month
per month
per hour
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Premature account closing (within 90 days) (audience not stated, treated as personal) | $25 | Not stated | None |
| Dormant checking account (12 months no activity, per month) | $6 | per month | None |
| Inactive checking account fee (six months no activity, per month) | $4 | per month | None |
| Records research (per hour) (audience not stated, treated as personal) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee (Basic Checking and Interest Checking accounts only) (audience not stated, treated as personal) | $3 | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee (per item presented and paid) (audience not stated, treated as personal) | $29 | per item | None |
| Insufficient Funds / NSF Fee | $29 | Not stated | None |
| Continuous overdraft fee (per day on fourth business day) | $6 | per day | None |
ATM & Card | |||
| Non-proprietary ATM use (per transaction) | $2 | per item | None |
| Debit/ATM card replacement (per card) | $10 | per item | None |
Wire Transfers | |||
| Outgoing wire (audience not stated, treated as personal) | $25 | Not stated | None |
| Incoming wire (audience not stated, treated as personal) | $12.50 | Not stated | None |
| International outgoing wire (audience not stated, treated as personal) | $50 | Not stated | None |
| International incoming wire (audience not stated, treated as personal) | $25 | Not stated | None |
Check Services | |||
| Cashier’s checks (any amount) | $6 | Not stated | None |
| Stop payments (per item) (audience not stated, treated as personal) | $25 | per item | None |
Digital & Electronic | |||
| Unauthorized ACH return (per item) (audience not stated, treated as personal) | $15 | per item | None |
| Online Bill Pay (audience not stated, treated as personal) | No charge | Not stated | None |
Cash & Deposit | |||
| Charge back deposited return item (per item) | $5 | per item | None |
Account Services | |||
| Notary fee (non-customer) | $2 | Not stated | None |
| Replace safe deposit box key (audience not stated, treated as personal) | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe deposit box late payment >30 days (audience not stated, treated as personal) | $10Not compared: Box drilling or key fee | Not stated | None |
| Tax levy/garnishment (audience not stated, treated as personal) | $25 | Not stated | None |
Retirement & IRA | |||
| IRA close and transfer (for external transfer) | $50 | Not stated | None |
Other Fees | |||
| Fax services (per fax sent or received) | $5 | Not stated | None |
| Photocopies (per page) (audience not stated, treated as personal) | $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
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant checking account (12 months no activity, per month) | $6 | per month | None |
| Inactive checking account fee (six months no activity, per month) | $4 | per month | None |
Overdraft & NSF | |||
| Insufficient Funds / NSF Fee | $29 | Not stated | None |
| Continuous overdraft fee (per day on fourth business day) | $6 | per day | None |
ATM & Card | |||
| Non-proprietary ATM use (per transaction) | $2 | per item | None |
| Debit/ATM card replacement (per card) | $10 | per item | None |
Check Services | |||
| Cashier’s checks (any amount) | $6 | Not stated | None |
| Online business banking stop payments (per item) | $15 | per item | None |
Digital & Electronic | |||
| Online business banking ACH origination (per file) | $5 | per item | None |
Cash & Deposit | |||
| Charge back deposited return item (per item) | $5 | per item | None |
Account Services | |||
| Notary fee (non-customer) | $2 | Not stated | None |
Retirement & IRA | |||
| IRA close and transfer (for external transfer) | $50 | Not stated | None |
Other Fees | |||
| Fax services (per fax sent or received) | $5 | Not stated | None |
Oct 15, 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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