The Moody National Bank

Headquarters: Galveston, Texas
Charter: Bank
Assets: $1.5B
Fed district: Dallas

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

Source: its fee schedule, read Oct 19, 2026.

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Fees against the market

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

Monthly Maintenance
The Moody National Bank: $15
The Moody National Bank: $15
U.S. median: no median
Overdraft (OD)
The Moody National Bank: $35
The Moody National Bank: $35
U.S. median: no median
NSF / Returned Item
Compared at $22.50, the middle of its prices
The Moody National Bank: $10 to $35
The Moody National Bank: $10 to $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 19, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas 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).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas 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 The Moody National Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Charge$15
per month
Account Closing Fee (90 days or less)$25
Account Research (per hour)$30
Not compared: Charged per hour; comparison unavailable
per hour
Monthly Service Charge (Paper Statement Fee)$5
per month
Excessive Transaction Paid Fee (Savings, per item)$2
per item

Overdraft & NSF

Overdraft Item Charge$35
Insufficient Funds Charge$35
Return Item Fee (per item)$10
per item

ATM & Card

Foreign ATM Transaction Fee$3
Replace Debit Card$10
per item

Wire Transfers

Wire Transfer Fee (Outgoing)$30
per item
International Wire Fee (Foreign Currency)$45
per item
International Wire Fee (US Currency)$55

Check Services

Cashier’s Checks$7
Money Orders$3
Online Stop Payment (each)$20
per item
Stop Payment Fee (each)$30
per item
Temporary Check (per check)$1
per item
Non-Customer Check Cashing Fee$7

Digital & Electronic

Bill Pay (15 free items per month)$0.50
Not compared: Per-item charge, not monthly
per item

Account Services

Drilling Fee$250
Not compared: Box drilling or key fee
Replacement Key Fee$25
Not compared: Box drilling or key fee
per item
Tax Levies/Freeze/Garnishments (each)$100
per item

Gift & Prepaid Cards

Travel Card Reload Fee$4.50
Visa Gift Card (per card)$4
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Charge	$15	per month	None
Account Closing Fee (90 days or less)	$25	Not stated	None
Account Research (per hour)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly Service Charge (Paper Statement Fee)	$5	per month	None
Excessive Transaction Paid Fee (Savings, per item)	$2	per item	None
Overdraft & NSF
Overdraft Item Charge	$35	Not stated	None
Insufficient Funds Charge	$35	Not stated	None
Return Item Fee (per item)	$10	per item	None
ATM & Card
Foreign ATM Transaction Fee	$3	Not stated	None
Replace Debit Card	$10	per item	None
Wire Transfers
Wire Transfer Fee (Outgoing)	$30	per item	None
International Wire Fee (Foreign Currency)	$45	per item	None
International Wire Fee (US Currency)	$55	Not stated	None
Check Services
Cashier’s Checks	$7	Not stated	None
Money Orders	$3	Not stated	None
Online Stop Payment (each)	$20	per item	None
Stop Payment Fee (each)	$30	per item	None
Temporary Check (per check)	$1	per item	None
Non-Customer Check Cashing Fee	$7	Not stated	None
Digital & Electronic
Bill Pay (15 free items per month)	$0.50Not compared: Per-item charge, not monthly	per item	None
Account Services
Drilling Fee	$250Not compared: Box drilling or key fee	Not stated	None
Replacement Key Fee	$25Not compared: Box drilling or key fee	per item	None
Tax Levies/Freeze/Garnishments (each)	$100	per item	None
Gift & Prepaid Cards
Travel Card Reload Fee	$4.50	Not stated	None
Visa Gift Card (per card)	$4	per item	None

Fee	Amount	Basis	Note
Digital & Electronic
Bill Pay	$10	per month	None

Correct a fee source

Oct 19, 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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