Bank Account Services & Fees

Safe Deposit Boxes

Several sizes available, come in and see us about renting a box for your valuables and important papers. $15, $20,$25, $35, and $70 annually per box size. A fee of $85 will be charged for replacement of Safe Deposit Lock or Key.

Money Orders Customer Fee

Use our money order when you cannot use a personal check. Your cost will be $2.50 per money order.

Cashier Checks Customer Fee

When a money order will not suffice, purchase one of our cashier checks. Your cost will be $5.00 per check.

Incoming or Outgoing Wires

When you need to send money to someone fast, use our wire service. Your cost for incoming wires will be $17.00 per wire, outgoing wires will be $20.00 per wire. Your cost for foreign wires will be $50.00 per incoming wire and $100.00 per outgoing wire.

Wire Transfer Instructions
Wire to: MIB Bank | 910 Weathered Rock Road | PO Box 104180 | Jefferson City, MO 65110-4180
ABA Routing Number: 086505273
Beneficiary Account Number: 210085
Beneficiary Name: Bank of New Madrid | 229 Main Street | PO Box 10 | New Madrid MO 63869
OBI Field: (final credit) Customer’s name, account number & contact info
If you have any questions, please call 573-748-5551.

Notary Service

Need something notarized? Come in and see one of our notaries. Your cost will be $2.00.

Bank by Mail Envelopes

Tired of addressing envelopes for your mailed bank deposits? Ask us for bank by mail envelopes, they are already addressed for you.

Night Deposit

Trying to get to the bank before it closes to make a deposit? Use our night deposit, checked daily.

Temporary Statement

Need a temporary statement of your account to see what checks have cleared before your actual statement comes out? Call us, and we will print one for you. Your cost will be $3.00 per statement. Remember if you are an E-Banking customer, you can print your statement right off-line through the E-Banking service, and you will not incur a fee.

Special Statement

Need a current statement with images included? Call us and we will print one for you. Your cost will be $5.00.

Account Balancing

Having problems balancing your account? Come by and let us help. Your cost will be $25.00 per hour. ($25.00 minimum)

Research Request

Need us to look up a past statement or other account information? Call us and make a request. Your cost will be $20.00 per hour.($20.00 minimum)

Insufficient Funds

If you do not keep a sufficient balance in your account to cover your checks, you will be charged $28.00 per insufficient check. (Includes returned items or 2nd presentment items)


You will be charged $28.00 for items paid on first presentment.

Sweep Transfer with Mailed Notice

If you wish to receive a mailed notice each time a sweep takes place on your account, you will be charged a $1.00 for each mailed notice.

Returned Deposit Items

All customers will be charged $5.00 for each returned deposit item.

Foreign Currency Exchange

If you are planning on traveling abroad, foreign currency can be purchased; we provide this service through one of our correspondent banks.

Stop Payment Request

Need to stop payment on a check or an ACH debit? Request a stop payment through us, or you can even use our E-Banking Service if you are an enrolled customer. Your cost will be $30.00 per check or per ACH debit.


We offer E-Statements to all of our checking account customers. In order to receive E-Statements you must have E-Banking. The statement format will be the same as the one you are receiving by regular mail, including the images of your checks and deposits. Community Free Checking account customers must sign up for E-Banking in order to comply with the E-Statement requirement. Once approved for E-Banking, the customer will then need to complete the E-Statement process within 30 days of opening the account or it will be changed to a regular checking account and will be assessed a monthly service charge. We also offer free Bill Pay privileges for any E-Banker receiving an E-Statement. If you are interested in receiving E-Statements, please contact the E-Banking Department at 573-748-5551 for more information.

Consumer E-Banking

Check your account balances 24 hours a day. Make transfers, or pay bills, securely, right on-line from home. Access to E-banking is free. Bill pay is free for all customers. For next day rush payments a fee of $19.95 will be assessed. For 2nd day a fee of $14.95 will be charged.

Bank-to-bank transfers - 3 days..........FREE
.........................................- Next day....$1.00


There will be a $10.00 fee for incoming or outgoing collection items.

Garnishment or Levies

The fee for garnishment or levies is $100.00.

Account Closing

Accounts closed within 90 days of opening will be charged a $20.00 fee.

Christmas Clubs closed before Nov 1st will be charged a $15.00 fee.

Printed Checks

Charge for printed checks varies, please come by or call for prices.

Visa Check Debit Card Fees

No surcharges for Bank of New Madrid customers at MoneyPass ATMs
$2.50 Visa Check Debit Card Fee when using Foreign ATMs
$10.00 charge for Visa Check Debit Card Replacement
$3.00 Foreign Card Fee at Bank of New Madrid ATMs

*Visa check cards can be used as a Credit transaction anywhere Visa is accepted. Even though you enter it as a credit transaction, it will still debit off of your account balance here at the Bank of New Madrid.

Replacement of Loan Coupon Book

There will be a cost of $5.00 for anyone who needs to replace their loan coupon book

Replacement of Passbook Savings Book

There will be a cost of $10.00 for anyone who needs to replace their passbook savings book.

Returned Mail

There will be a .59 cent charge for customer mail returned from the Post Office.

Telephone Transfers

Need to transfer money between accounts, but can’t make it into the Bank?  Give us a call and we can schedule a transfer. A $2.00 fee will be charged for all Telephone Transfers. Or, use our mobile app to transfer funds between accounts instantly with no fee.

Telephone Initiated ACH Loan Payment/Transfer


Tax Refund Cashing Fee

5% of Check/$7.00 minimum

Non-Customer Check Cashing Fee


ACH Origination Fee


Loan Payment return Fee