St. Louis Fed · District 8

Bank fees in the Mid-South

Overdraft and NSF medians are about the same as the national median. The deposited item return median is $5 below the national median.

of 664 banks and credit unions have verified fee schedules: 284
fee medians sit within the national middle range: 14 of 14

Data refreshed Nov 2, 2026Get the free district report

Against the U.S.

2 of 14 district medians sit above the U.S. median

Other notable differences from the U.S.

Minimum balance: $8.50 median, versus $6.50 nationally ($2 higher, 31%).
Outgoing domestic wire: $20 median, versus $25 nationally ($5 lower, 20%).
Stop payment: $30 median, versus $27.50 nationally ($2.50 higher, 9%).

Overdraft (OD)

$30

Median of 184 St. Louis district institutions. U.S. $30.

St. Louis district institutionsNational middle range

Dormant Account168 institutionsIn Hamilton
Garnishment/Levy161 institutionsIn Hamilton
Document Reproduction143 institutionsIn Hamilton
Check Image/Copy106 institutionsIn Hamilton
Early Account Closure103 institutionsIn Hamilton

Plus 30 more St. Louis district fees. See them in Hamilton

Method: Findings rank only fees with at least 10 St. Louis district institutions. Fees with fewer appear in the list, unranked. The national middle range runs from the 25th to the 75th percentile of U.S. institutions.

Banks and credit unions

Credit unions have lower medians on 9 of 14 fees

Each tile is one fee. Pick one to see both medians.

lower at credit unions: 9
lower at banks: 2
about the same: 3

14 fees with both a bank and a credit union median in the St. Louis district.

Lower at credit unions

Lower at banks

About the same

Fee

Overdraft (OD)

Credit unions $1.50 lower in the St. Louis district.

$30

Banks

median of 116

$28.50

Credit unions

median of 68

Two fees with lower bank medians

Deposited Item Return

Banks

median of 67

$20

Credit unions

median of 50

Minimum Balance

Banks

median of 27

$10

Credit unions

median of 16

Every fee, banks against credit unions

Bank and credit union medians in the St. Louis district; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$30	$28.50	$1.50
NSF / Returned Item	$30	$29.13	$0.87
Monthly Maintenance	$7.13	$5	$2.13
Non-Network ATM	$1.50	$1	$0.50
Wire Transfer (Domestic Out)	$25	$20	$5
Wire Transfer (Int'l Out)	$55	$50	$5
Stop Payment	$30	$27.25	$2.75
Cashier's Check	$5	$5	Same
Debit Card Replacement	$10	$10	Same
Wire Transfer (Domestic In)	$12.50	$10	$2.50
Deposited Item Return	$5	$20	$15
Paper Statement	$3	$2	$1
OD Protection Transfer	$5	$5	Same
Minimum Balance	$8	$10	$2

State by state

Overdraft medians run from $29.50 in Missouri to $30 in Arkansas

Each card shows the same fee on one scale; the short upright line marks the district median. Pick a state for its detail.

St. Louis district median, $30

Missouri

Missouri fee report →

Banks 127 · Credit unions 60: 187
With verified fees: 46%
Bank deposit service charges, latest quarter: $55.2M
Credit union fee income, latest quarter: $25.5M
Branches: 2,445
Unemployment, Sep 2026: 3.6%
Median household income: $71K

Missouri median St. Louis district

Overdraft$29.50 vs $30
NSF$28.50 vs $30
Maintenance$6.95 vs $7
Out-of-network ATM$1.50 vs $1.50
Outgoing wire$20.63 vs $20

Compare both states

State
	124	53%	$30	$30	$7	$89.9M	3.9%
	187	46%	$29.50	$28.50	$6.95	$55.2M	3.6%

Source: Fee medians from verified published fee schedules, one value per institution; a median needs 5 institutions. Fee income from FDIC and NCUA call reports, branches from the FDIC Summary of Deposits and NCUA, unemployment from BLS, income from the Census ACS. Fee medians, institution counts and fee income in each state count only institutions inside the St. Louis district; unemployment, income and branches cover the whole state. 353 St. Louis district institutions are in parts of other states and count only in the district totals.

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District 8's headline fees against the U.S. in one free PDF, ready to share with your team.

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Fee income

Bank service charges fell 2.3% in a year

Credit union fee income is a wider measure than bank service charges, so the two charts stay separate and are never added together.

Banks: service charges on deposit accounts

$289.2MQ2 2026

−2.3% from Q2 2025

Credit unions: all fee income

$91.1MQ2 2026

+13.2% from Q2 2025

Source: Banks: service charges on deposit accounts, FDIC call reports. Credit unions: all fee income, NCUA call reports. Credit union year-to-date income is split into quarters; a quarter shows once most institutions have filed.

Who serves the district

The five largest banks hold 32% of bank deposits in the district's two states

664 banks and credit unions, with 3,386 bank branches and 508 credit union branches.

UMB Bank, National Association9.4% · $36.3B across 45 branches
Bank of America, National Association6.9% · $26.7B across 67 branches
U.S. Bank National Association6.5% · $25.4B across 147 branches
Commerce Bank5.0% · $19.5B across 88 branches
Arvest Bank4.3% · $16.8B across 136 branches
Every other bank67.9% · $263.4B

70% of the 440 banks hold $100M to $1B in assets

FDIC asset-size groups

45% of the 223 credit unions hold $10M to $100M in assets

NCUA asset-size groups

Source: Institutions tracked by Fee Insight. Total assets from FDIC and NCUA data, grouped the way each regulator reports them: the FDIC asset-size groups for banks and the NCUA groups for credit unions. Bank deposits from the FDIC Summary of Deposits, 2026, counted for each whole state, even where the district line splits one; credit union branches from NCUA. Leading banks count banks with 10 or more branches here.

Economic context

U.S. prices for bank services rose 1.0% in a year

Bank services prices, 12 months to Sep 2026: +1.0%
U.S. unemployment, Sep 2026: 4.2%

“Economic activity in the Eighth District has modestly increased since our previous report.”

Federal Reserve Beige Book, St. Louis district, October 2026 Read it beside your fees in Hamilton

Bank services prices, change over 12 months

Sep 2021 to Sep 2026

Unemployment and income by state

State	Unemployment	Median household income
Arkansas	3.9%	$61K
Missouri	3.6%	$71K

Source: BLS CPI for checking accounts and other bank services and BLS unemployment; Census ACS 2024 median household income; Federal Reserve Beige Book.

More district data: fee complaints and fee changes

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

District0.2
U.S.1.1

Too few matched institutions for a rate: Arkansas (4), Missouri (3).

Source: CFPB Consumer Complaint Database, fee-related issues. Only institutions matched to their CFPB company record count, and a rate needs 10 of them.

Where does your institution sit?

Hamilton, the Fee Insight workspace, sets every fee you charge against institutions your size and in your district.

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From 284 St. Louis district banks and credit unions' own published fee schedules, one value per institution; a median needs at least 5 institutions. Data as of Nov 2, 2026. How we build it

Bank fees in the Mid-South

Overdraft and NSF medians are about the same as the national median. The deposited item return median is $5 below the national median.

of 664 banks and credit unions have verified fee schedules

284

fee medians sit within the national middle range

14 of 14

Fee

Banks

Credit unions

Difference

Overdraft (OD)

$30

$28.50

$1.50

NSF / Returned Item

$30

$29.13

$0.87

Monthly Maintenance

$7.13

$2.13

Non-Network ATM

$1.50

$0.50

Wire Transfer (Domestic Out)

$25

$20

Wire Transfer (Int'l Out)

$55

$50

Stop Payment

$30

$27.25

$2.75

Cashier's Check

Same

Debit Card Replacement

$10

Same

Wire Transfer (Domestic In)

$12.50

$10

$2.50

Deposited Item Return

$20

$15

Paper Statement

OD Protection Transfer

Same

Minimum Balance

$10

State

124

$30

187

$29.50

State

Unemployment

Median household income

Arkansas

3.9%

$61K

Missouri

3.6%

$71K