vs. U.S. typical range:LowerTypicalHigher
$3 below the national median$3.48 below the Missouri median
per month · Source
$14 above the national median$13.52 above the Missouri median
per month · Source
At the national medianAt the Missouri median
per month · Source
$5 below the national median$5 below the Missouri median
$7.50 below the national median$7.50 below the Missouri median
$1 below the national median$1 below the Missouri median
per month · Institution’s schedule
$6 above the national median$6.75 above the Missouri median
per item · Source
$30 below the national median$28 below the Missouri median
$5 below the national median$5 below the Missouri median
$0.50 below the national median$0.50 below the Missouri median
per item · Source
$0.50 above the national median$0.50 above the Missouri median
per item · Source
$0.50 above the national median$0.50 above the Missouri median
per item · First 3 withdrawals per statement cycle are free for Value Checking · Institution’s schedule
$0.50 above the national median$0.50 above the Missouri median
per transaction · Source
—
$5 above the national median$5 above the Missouri median
per item · Source
$2.50 below the national median$2.50 below the Missouri median
per item · Source
$0.50 below the national median$0.50 below the Missouri median
per item · Source
$7.50 above the national median$7 above the Missouri median
per item · Source
$1 below the national medianAt the Missouri median
per item · Source
At the national medianAt the Missouri median
per item · Source
$45 above the national median$45 above the Missouri median
$15 below the national median$10 below the Missouri median
$15 below the national median$15 below the Missouri median
per item · Source
At the national median$1 above the Missouri median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Monthly Service Fee | $3Below the typical range ($4–$10 nationally) | $3 below the national median$3.48 below the Missouri median | per month | — | Source |
| Monthly Service Fee | $20Above the typical range ($4–$10 nationally) | $14 above the national median$13.52 above the Missouri median | per month | — | Source |
| Dormant Account Charge 3 | $5Within the typical range ($5–$10 nationally) | At the national medianAt the Missouri median | per month | — | Source |
| Inactive Account Charge | $0Below the typical range ($5–$10 nationally) | $5 below the national median$5 below the Missouri median | — | — | Source |
| Account Balancing Fee | $10Below the typical range ($11–$25 nationally) | $7.50 below the national median$7.50 below the Missouri median | — | — | Source |
| Paper Statements | $2Within the typical range ($2–$4.76 nationally) | $1 below the national median$1 below the Missouri median | per month | — | Institution’s schedule |
Overdraft & NSFVerified | |||||
| Overdraft Charge 5 | $36Above the typical range ($25–$33 nationally) | $6 above the national median$6.75 above the Missouri median | per item | — | Source |
| Insufficient Funds Charge | $0 | ||||
ATM & CardVerified | |||||
| ATM Transaction Fee – outside UMB ATM network | $1Within the typical range ($1–$2.25 nationally) | $0.50 below the national median$0.50 below the Missouri median | per item | — | Source |
| Non-UMB ATM Withdrawal | $2 | ||||
Wire TransfersVerified | |||||
| Wire Transfer of Funds Fees: Outgoing (Domestic) | $30Above the typical range ($20–$25 nationally) | $5 above the national median$5 above the Missouri median | per item | — | Source |
Check ServicesVerified | |||||
| Cashier’s Check Fee | $2.50Below the typical range ($3–$6 nationally) | $2.50 below the national median$2.50 below the Missouri median | per item | — | Source |
| Money Order Fee | $1.50 | ||||
Cash & DepositVerified | |||||
| Returned Deposited Items Charge (Domestic) | $0Below the typical range ($8–$25 nationally) | $15 below the national median$10 below the Missouri median | — | — | Source |
Account ServicesVerified | |||||
| Legal Process Charge | $35Within the typical range ($30–$90 nationally) | $15 below the national median$15 below the Missouri median | per item | — | Source |
Other FeesVerified | |||||
| Duplicate Statement Fee | $3Within the typical range ($2–$5 nationally) | At the national median$1 above the Missouri median | — | — | Source |
Overdraft
$36.00
Of 47 others that publish it, 44 lower, 2 the same and 1 higher.
Monthly maintenance
$11.50
Of 23 others that publish it, 20 lower and 3 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$36
Headline fees published
11 of 15
Published fees
23
Under review
0
Assets
$71.9B
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Financial Context
Financials as of Q2 2026 · FDIC call report
Total assets
$71.9B
Total deposits
$60.2B
Service charge income
$30.3M
Fee income ratio
4.3%
Return on assets
1.39%
Branches
207
Service charge income by quarter
Financial profile · Pro
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| $30 below the national median$28 below the Missouri median |
| — |
| — |
| Source |
| Account-to-Account Transfer Overdraft Protection | $0Below the typical range ($2.50–$5 nationally) | $5 below the national median$5 below the Missouri median | — | — | Source |
| $0.50 above the national median$0.50 above the Missouri median |
| per item |
| — |
| Source |
| Non-UMB ATM Withdrawal Fee | $2Within the typical range ($1–$2.25 nationally) | $0.50 above the national median$0.50 above the Missouri median | per item | First 3 withdrawals per statement cycle are free for Value Checking | Institution’s schedule |
| Non-UMB ATM Withdrawals | $2Within the typical range ($1–$2.25 nationally) | $0.50 above the national median$0.50 above the Missouri median | per transaction | — | Source |
| International Transaction Fee 4 | 2%of the transaction | — | — | — | Source |
| $0.50 below the national median$0.50 below the Missouri median |
| per item |
| — |
| Source |
| Stop Payment Request Fee (Domestic) | $35Above the typical range ($20–$30 nationally) | $7.50 above the national median$7 above the Missouri median | per item | — | Source |
| Counter Check Fee | $1Within the typical range ($1–$4 nationally) | $1 below the national medianAt the Missouri median | per item | — | Source |
| Collection Item Fee (Domestic) | $20Within the typical range ($10–$25 nationally) | At the national medianAt the Missouri median | per item | — | Source |
| Foreign Collection Items: UMB Foreign Check Collection Fee | $65Above the typical range ($10–$25 nationally) | $45 above the national median$45 above the Missouri median | — | — | Source |