Missouri sits in the middle of the national picture with 41 certified checking accounts — #14 of the 51 states and territories we track, against a median of 32. 18 come from local or regional institutions and 23 from national banks — a 44% local share, close to the 36% median across the states we track.
22 of the 41 carry a $0 monthly maintenance fee; the 19 that do charge run from $3 to $20 a month. 24 can be opened with $0 on deposit, and the largest opening deposit asked anywhere on this list is $1,000. 36 run no overdraft program at all; the other 5 still cannot charge overdraft or NSF fees on the certified account itself and offer coverage only as a separate service you would have to opt into.
Of the 18 state-based listings, the most come from Academy Bank, Arvest Bank and BOK Financial.
Simmons Bank Affordable Advantage
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyBCU
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyFirst Interstate Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyDiscover Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyMidwest BankCentre Life Happens
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Contact bankBank of America
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyFirst State Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Contact bankGreat Southern Bank Foundations
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Contact bankChase
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyAlly Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyAlliant Credit Union
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyAlliant Credit Union
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyQuorum Federal Credit Union
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplySullivan Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyLegacy Bank and Trust Company Legacy
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Contact bankFarmers State Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Contact banknbkc bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyFirst-Citizens Bank and Trust
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Contact bankFNBC Bank Topaz
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Contact bankCIBC Bank USA
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyCarrollton Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyFirst Federal Bank of Kansas City
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyArvest Bank
Costs you per year
$36.00
$3.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyU.S. Bank
Costs you per year
$59.40
$4.95 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyPNC Bank
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyRegions Bank
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyBOK Financial
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyFirst Mid Bank & Trust Blue Sky
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyAcademy Bank
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyArmed Forces Bank
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyEquity Bank
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyFirst Bank
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyHorizon Bank
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyBMO
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyCountry Club Bank, a division of FNBO
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplySecurity Bank of Kansas City New Leaf
Costs you per year
$72.00
$6.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyPeople's Bank of Seneca People's
Costs you per year
$72.00
$6.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplySimmons Bank Simmons
Costs you per year
$120.00
$10.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Applynbkc bank
Costs you per year
$144.00
$12.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyBusey Bank
Costs you per year
$180.00
$15.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyUMB Bank
Costs you per year
$240.00
$20.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Apply