MO SB524

Contractual fees charged for overdrawing a deposit account shall not be deemed interest under Missouri law, applying to banks, trust companies, savings and loan associations, and credit unions

State-chartered financial institutions cannot be subject to fee regulations more restrictive than those permitted for federally chartered depository institutions

Fees and service charges on deposit accounts remain subject to conditions set by the Division of Finance director and relevant regulatory boards

ATM owners/operators may impose access fees or surcharges on individuals conducting transactions using foreign accounts (accounts with financial institutions outside the United States)