St. Louis Fed · District 8

Bank fees in Missouri

Name: Missouri Bank and Credit Union Fees Compared
Creator: Fee Insight

Overdraft and NSF medians are $0.50 and $2 below the national median.

institutions with published feesof 277 headquartered in Missouri: 119
medians fall within the national middle 50%: 14 of 14

Data refreshed Nov 3, 2026

Get the free Missouri report

Local fee benchmarks

Saint Louis's non-network ATM median is $2; Missouri's is $1.13.

Non-Network ATM median by market, institutions with a branch thereMissouri $1.13, 56 institutions

Missouri's 8 largest markets by institutions with a branch there; marker size follows that count. Every Missouri city on the map

Overdraft (OD)NSF / Returned Item Monthly Maintenance Non-Network ATM Stop Payment Wire Transfer (Domestic Out)Paper Statement Debit Card Replacement

Saint Louis
25 institutions
$2
Missouri
56 institutions
$1.13
St. Louis Fed district
120 institutions
$1.50
U.S.
1,650 institutions
$1.50

Who each median counts

Saint Louis: With a branch in Saint Louis, wherever headquartered
Missouri: Headquartered in Missouri
St. Louis Fed district: Headquartered in the St. Louis Fed district
U.S.: Every institution in the index

Saint Louis

Fee data available for 46 of 67 institutions

Compare Saint Louis fees

Sources: Branches from the FDIC Summary of Deposits (banks) and NCUA (credit unions). One value per institution: its highest overdraft fee, the middle of its schedule for other fees. A median needs at least 5 institutions.

Missouri's banks and credit unions

119 of the 277 institutions headquartered in Missouri have published fees here, and 119 of them have fees that count toward the medians on this page. Figures here count those headquartered institutions, except branches and deposits, which count every institution serving the state.

Banks versus credit unions

Credit unions have lower medians on 11 of 14 fees, among institutions headquartered in Missouri.

lower at credit unions: 11
lower at banks: 3

14 fees with both a bank and a credit union median in Missouri.

Lower at credit unions

Lower at banks

Fee

Overdraft (OD)

Credit unions $2 lower in Missouri.

$30

Banks

median of 49

$28

Credit unions

median of 29

Three fees with lower bank medians

Wire Transfer (Domestic Out)

$20

Banks

median of 47

$25

Credit unions

median of 29

Deposited Item Return

Banks

median of 36

$16.25

Credit unions

median of 22

Minimum Balance

$6.50

Banks

median of 8

$7.50

Credit unions

median of 8

Every fee, banks against credit unions

Bank and credit union medians in Missouri; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$30	$28	$2
NSF / Returned Item	$30	$25	$5
Monthly Maintenance	$7.36	$4.50	$2.86
Non-Network ATM	$1.50	$1	$0.50
Wire Transfer (Domestic Out)	$20	$25	$5
Wire Transfer (Int'l Out)	$57.50	$50	$7.50
Stop Payment	$29	$27.50	$1.50
Cashier's Check	$5	$3.25	$1.75
Debit Card Replacement	$10	$9	$1
Deposited Item Return	$5	$16.25	$11.25
Wire Transfer (Domestic In)	$10	$4	$6
Paper Statement	$3.95	$2	$1.95
OD Protection Transfer	$5	$2	$3
Minimum Balance	$6.50	$7.50	$1

Fee medians by peer group

Institutions under $300M in assets in Missouri

Monthly Maintenance runs $1 below the Missouri median.

Overdraft (OD)
Group median:
$28.50
of 34 institutions publishing
State median:
$29.50
of 78 institutions publishing
Difference: $1 below
NSF / Returned Item
Group median:
$28
of 45 institutions publishing
State median:
$28
of 84 institutions publishing
Difference: Within 1%
Monthly Maintenance
Group median:
$6
of 25 institutions publishing
State median:
$7
of 65 institutions publishing
Difference: $1 below
Non-Network ATM
Group median:
$1
of 26 institutions publishing
State median:
$1.13
of 56 institutions publishing
Difference: $0.13 below
Wire Transfer (Domestic Out)
Group median:
$25
of 36 institutions publishing
State median:
$25
of 76 institutions publishing
Difference: Within 1%

Difference: the group median against the Missouri median, up arrow above, down arrow below. Colour shows direction only: above or below the median is not good or bad.

Show all 14

Wire Transfer (Int'l Out)
Group median:
$50
of 23 institutions publishing
State median:
$50
of 54 institutions publishing
Difference: Within 1%
Stop Payment
Group median:
$25
of 48 institutions publishing
State median:
$28
of 96 institutions publishing
Difference: $3 below
Cashier's Check
Group median:
$5
of 33 institutions publishing
State median:
$5
of 76 institutions publishing
Difference: Within 1%
Debit Card Replacement
Group median:
$10
of 39 institutions publishing
State median:
$10
of 86 institutions publishing
Difference: Within 1%
Deposited Item Return
Group median:
$15
of 26 institutions publishing
State median:
$10
of 58 institutions publishing
Difference: $5 above
Wire Transfer (Domestic In)
Group median:
$5
of 23 institutions publishing
State median:
$10
of 53 institutions publishing
Difference: $5 below
Paper Statement
Group median:
$3
of 16 institutions publishing
State median:
$3
of 47 institutions publishing
Difference: Within 1%
OD Protection Transfer
Group median:
$3
of 15 institutions publishing
State median:
$3.50
of 28 institutions publishing
Difference: $0.50 below
Minimum Balance
Group median:
$6.50
of 8 institutions publishing
State median:
$6.50
of 16 institutions publishing
Difference: Within 1%

How groups are counted

Each institution counts once: its highest overdraft fee, the middle of its schedule for other fees.
Size bands come from FDIC and NCUA total assets, bank regulator from the FDIC registry and credit union charter from NCUA.
The Missouri median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in Missouri with verified fees, Bank Fee Index; size, regulator and charter from FDIC and NCUA records. A group median needs at least 8 institutions. Data as of Nov 3, 2026.

Who serves Missouri

The five largest banks hold 41% of bank deposits in Missouri. 277 banks and credit unions are headquartered here; 2,090 bank branches and 355 credit union branches serve the state, wherever headquartered.

UMB Bank, National Association13.0% · $36.3B across 45 branches
U.S. Bank National Association8.6% · $24.2B across 129 branches
Bank of America, National Association7.3% · $20.5B across 51 branches
Commerce Bank7.0% · $19.5B across 88 branches
The Central Trust Bank5.2% · $14.5B across 124 branches
Every other bank58.9% · $164.8B

73% of the 190 banks hold $100M to $1B in assets

FDIC asset-size groups

46% of the 87 credit unions hold $10M to $100M in assets

NCUA asset-size groups

Source: Institutions headquartered in Missouri, 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, for branches in Missouri; credit union branches from NCUA. Leading banks count banks with 10 or more branches in the state.

Fee income

Missouri bank service charges rose 7.1% from Q2 2025 to Q2 2026. 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

$136.2MQ2 2026

+7.1% from Q2 2025

Credit unions: all fee income

$27.9MQ2 2026

+12.5% from Q2 2025

Source: Institutions headquartered in the state. 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.

Free report

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The Missouri medians against the U.S., sent to you and updated as schedules are verified.

Missouri versus the St. Louis district

Higher in Missouri: wire transfer +⁠$5. Lower in Missouri: NSF / returned item −⁠$2, stop payment −⁠$2, OD protection transfer −⁠$1.50 and 3 more. The other 7 fees are about the same.

Wire Transfer (Domestic Out)
Missouri $25 (76 inst.) · District $20 (166 inst.)
+$5
NSF / Returned Item
Missouri $28 (84 inst.) · District $30 (199 inst.)
−$2
Stop Payment
Missouri $28 (96 inst.) · District $30 (218 inst.)
−$2
OD Protection Transfer
Missouri $3.50 (28 inst.) · District $5 (73 inst.)
−$1.50
Minimum Balance
Missouri $6.50 (16 inst.) · District $8 (43 inst.)
−$1.50

Missouri median against the St. Louis district median, by fee
Fee	Missouri	District	Gap
Wire Transfer (Domestic Out)	$2576 inst.	$20166 inst.	+$5
NSF / Returned Item	$2884 inst.	$30199 inst.	−$2
Stop Payment	$2896 inst.	$30218 inst.	−$2
OD Protection Transfer	$3.5028 inst.	$573 inst.	−$1.50
Minimum Balance	$6.5016 inst.	$843 inst.	−$1.50

What the Fed sees in the district

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

Beige Book, St. Louis district, October 2026 Hamilton sets it beside an institution's own fees

Open the St. Louis district report

Source: Both medians count institutions by headquarters; the district takes in Missouri and the rest of the Federal Reserve's St. Louis district. Medians from each institution's own published schedule, one value per institution; a median needs at least 5. A gap under 1% reads as about the same. Federal Reserve Beige Book, St. Louis district.

Missouri versus the U.S.

1 of 14 Missouri medians sit above the U.S. median. Missouri medians count institutions headquartered in Missouri; U.S. medians count every institution in the index.

Overdraft (OD)

$29.50

Median of 78 Missouri institutions. U.S. $30.

Missouri institutionsNational middle range

Explore 27 additional Missouri fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Missouri 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.

National context

Missouri unemployment was 3.6% in September 2026, against 4.2% for the U.S.

Missouri

Unemployment rate, against the U.S.

MissouriU.S.

Sep 2021 to Sep 2026

Median household income in Missouri: $71K (2024).

United States

Bank services prices, change over 12 months

Sep 2021 to Sep 2026

+1.0% in the 12 months to Sep 2026, nationally.

Source: BLS unemployment and the BLS CPI for checking accounts and other bank services; Census ACS 2024 median household income. The CPI is national; it has no state figure.

More Missouri data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

St. Louis district0.2
U.S.1.1

5 Missouri institutions are matched to CFPB records, under the 10 a rate needs.

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 an institution's own fees beside institutions its size in Missouri.

See Hamilton plans Or ask for a demo

From 119 Missouri banks and credit unions' own published fee schedules, one value per institution; a median needs at least 5 institutions. Data as of Nov 3, 2026. Methodology

Fee

Banks

Credit unions

Difference

Overdraft (OD)

$30

$28

NSF / Returned Item

$30

$25

Monthly Maintenance

$7.36

$4.50

$2.86

Non-Network ATM

$1.50

$0.50

Wire Transfer (Domestic Out)

$20

$25

Wire Transfer (Int'l Out)

$57.50

$50

$7.50

Stop Payment

$29

$27.50

$1.50

Cashier's Check

$3.25

$1.75

Debit Card Replacement

$10

Deposited Item Return

$16.25

$11.25

Wire Transfer (Domestic In)

$10

Paper Statement

$3.95

$1.95

OD Protection Transfer

Minimum Balance

$6.50

$7.50

Fee

Missouri

District

Lower in Missouri Higher in Missouri

Gap

Wire Transfer (Domestic Out)

$2576 inst.

$20166 inst.

+$5

NSF / Returned Item

$2884 inst.

$30199 inst.

−$2

Stop Payment

$2896 inst.

$30218 inst.

−$2

OD Protection Transfer

$3.5028 inst.

$573 inst.

−$1.50

Minimum Balance

$6.5016 inst.

$843 inst.

−$1.50