Developer

Bank Fee Index API

Programmatic access to fee benchmarking data for U.S. banks and credit unions. 49 fee categories, national and peer medians, percentile ranges, and institution-level detail -- all via a simple REST API.

Authentication Fees Index Institutions Pricing OpenAPI Spec

Base URL

https://feeinsight.com/api/v1

Authentication

Authenticate requests using an API key. Pass it in the Authorization header as a Bearer token, or as an api_key query parameter.

Header authentication

curl -H "Authorization: Bearer YOUR_API_KEY" \
  https://feeinsight.com/api/v1/fees

Query parameter authentication

curl "https://feeinsight.com/api/v1/fees?api_key=YOUR_API_KEY"

Unauthenticated requests are limited to spotlight categories only (6 of 49). Include your API key to access the full dataset.

Rate Limits

Rate limits are enforced per API key. Current window information is returned in response headers.

X-RateLimit-Limitheader-- Maximum requests in the current window

X-RateLimit-Remainingheader-- Requests remaining

X-RateLimit-Resetheader-- UTC epoch timestamp when the window resets

Tier	Monthly limit	Burst rate
Free	100 requests	10/min
Pro	10,000 requests	60/min
Enterprise	Custom	Custom

Fee Categories

GET/fees

List all fee categories

Returns all 49 fee categories with national median, P25/P75 percentiles, min/max, and institution counts. Free tier returns 6 spotlight categories.

Parameters

format string "csv" for CSV download (Pro/Enterprise only)

Try it

curl -H "Authorization: Bearer YOUR_API_KEY" \
  https://feeinsight.com/api/v1/fees

Response fields

totalinteger-- Number of categories returned

data[]array-- Array of fee summary objects

data[].categorystring-- Slug identifier (e.g., overdraft)

data[].mediannumber-- National median in USD

data[].p25number-- 25th percentile

data[].p75number-- 75th percentile

data[].tierstring-- spotlight | core | extended | comprehensive

Example response

{
  "total": 49,
  "data": [
    {
      "category": "overdraft",
      "display_name": "Overdraft Fee",
      "family": "Overdraft & NSF",
      "tier": "spotlight",
      "median": 35.00,
      "p25": 30.00,
      "p75": 36.00,
      "min": 5.00,
      "max": 40.00,
      "institution_count": 842
    },
    ...
  ]
}

GET/fees?category={slug}Pro

Get fee category detail

Detailed breakdown for a single fee category with segmentation by charter type, asset tier, Federal Reserve district, and state.

Parameters

categoryrequired string Fee category slug (e.g., overdraft, nsf, monthly_maintenance)

Try it

curl -H "Authorization: Bearer YOUR_API_KEY" \
  "https://feeinsight.com/api/v1/fees?category=overdraft"

Response fields

by_charter_typeobject-- Bank vs credit union medians

by_asset_tierobject-- Breakdowns by asset size tier

by_fed_districtobject-- Medians for each Fed district (1-12)

by_stateobject-- Medians by state code

Example response

{
  "category": "overdraft",
  "display_name": "Overdraft Fee",
  "family": "Overdraft & NSF",
  "tier": "spotlight",
  "summary": {
    "institution_count": 842,
    "observation_count": 1156
  },
  "by_charter_type": {
    "bank": { "median": 36.00, "p25": 33.00, "p75": 36.00, "count": 510 },
    "credit_union": { "median": 30.00, "p25": 25.00, "p75": 35.00, "count": 332 }
  },
  "by_asset_tier": { ... },
  "by_fed_district": { ... },
  "by_state": { ... }
}

Fee Index

GET/index

National and peer fee index

Returns the fee index for all categories. Apply filters for peer group benchmarking by state, charter type, or Federal Reserve district. Includes maturity indicators and bank/credit union counts.

Parameters

`state`	string	Two-letter state code (e.g., CA, TX)
`charter`	string	"bank" or "credit_union"
`district`	string	Fed district number(s), comma-separated (e.g., 7 or 2,7,12)
`format`	string	"csv" for CSV download

Try it

# National index
curl -H "Authorization: Bearer YOUR_API_KEY" \
  https://feeinsight.com/api/v1/index

# California credit unions
curl -H "Authorization: Bearer YOUR_API_KEY" \
  "https://feeinsight.com/api/v1/index?state=CA&charter=credit_union"

# Fed District 7, CSV download
curl -H "Authorization: Bearer YOUR_API_KEY" \
  "https://feeinsight.com/api/v1/index?district=7&format=csv" -o district7.csv

Response fields

scopestring-- "national" or "filtered"

filtersobject-- Applied filter values (null if unused)

data[].maturitystring-- strong | provisional | insufficient

data[].bank_countinteger-- Number of banks in sample

data[].cu_countinteger-- Number of credit unions in sample

Example response

{
  "scope": "filtered",
  "filters": {
    "state": "CA",
    "charter": "credit_union",
    "district": null
  },
  "total": 42,
  "data": [
    {
      "category": "monthly_maintenance",
      "display_name": "Monthly Maintenance Fee",
      "family": "Account Maintenance",
      "tier": "spotlight",
      "median": 10.00,
      "p25": 5.00,
      "p75": 12.00,
      "min": 0.00,
      "max": 25.00,
      "institution_count": 189,
      "bank_count": 0,
      "cu_count": 189,
      "maturity": "strong"
    },
    ...
  ]
}

Institutions

GET/institutions

List institutions

Paginated list of financial institutions with fee data. Filter by state and charter type. Returns summary data including fee count, asset size, and Fed district.

Parameters

`state`	string	Two-letter state code
`charter`	string	"bank" or "credit_union"
`page`	integer	Page number (default: 1)
`limit`	integer	Results per page (default: 50, max: 200)

Try it

curl -H "Authorization: Bearer YOUR_API_KEY" \
  "https://feeinsight.com/api/v1/institutions?state=NY&limit=10"

Response fields

totalinteger-- Total matching institutions

pageinteger-- Current page

pagesinteger-- Total pages

data[].asset_tierstring-- e.g., 1B-10B, 100M-1B

Example response

{
  "total": 312,
  "page": 1,
  "page_size": 10,
  "pages": 32,
  "data": [
    {
      "id": 4521,
      "name": "First National Bank of New York",
      "state": "NY",
      "city": "New York",
      "charter_type": "bank",
      "asset_size": 2400000000,
      "asset_tier": "1B-10B",
      "fed_district": 2,
      "fee_count": 22
    },
    ...
  ]
}

GET/institutions?id={id}Pro

Get institution detail

Returns a single institution profile with all extracted fees, including amounts, frequency, conditions, and review status.

Parameters

idrequired integer Institution ID

Try it

curl -H "Authorization: Bearer YOUR_API_KEY" \
  "https://feeinsight.com/api/v1/institutions?id=4521"

Response fields

fees[]array-- All non-rejected fees for this institution

fees[].amountnumber-- Fee amount in USD

fees[].frequencystring-- e.g., "per item", "monthly"

fees[].conditionsstring-- Waiver conditions, if any

Example response

{
  "id": 4521,
  "name": "First National Bank of New York",
  "state": "NY",
  "city": "New York",
  "charter_type": "bank",
  "asset_size": 2400000000,
  "asset_tier": "1B-10B",
  "fed_district": 2,
  "fee_count": 22,
  "fees": [
    {
      "fee_name": "Overdraft Fee",
      "amount": 35.00,
      "frequency": "per item",
      "conditions": "Max 4 per day. Waived for balances over $5,000.",
      "review_status": "approved"
    },
    {
      "fee_name": "Monthly Maintenance Fee",
      "amount": 12.00,
      "frequency": "monthly",
      "conditions": "Waived with $1,500 minimum balance.",
      "review_status": "approved"
    },
    ...
  ]
}

API Pricing

Free

✓100 requests/month
✓6 spotlight categories
✓National medians only
✓JSON responses

Get started -- no card required

Pro

$200/mo

✓10,000 requests/month
✓All 49 fee categories
✓Peer group filtering
✓Category detail breakdowns
✓Institution-level data
✓CSV export

Start 14-day free trial

Enterprise

Custom

✓Unlimited requests
✓Full dataset access
✓Bulk data export
✓Historical data
✓Dedicated support
✓Custom SLA

Contact sales

Data Notes

Currency. All monetary amounts are in USD.
Methodology. Medians, percentiles, and ranges are computed from non-rejected fee observations only.
Sources. Institution data is sourced from FDIC (banks) and NCUA (credit unions) registries. Fee data is extracted from published fee schedules using AI-assisted analysis.
Maturity. Each category carries a maturity indicator: "strong" (10+ approved), "provisional" (10+ observations), or "insufficient".
Tier system. 49 categories are organized into 4 tiers: spotlight (6), core (9), extended (15), and comprehensive (19). The Free API tier returns only spotlight categories.
Coverage. The dataset currently includes thousands of U.S. financial institutions and is updated continuously through visible agentic collection.

Machine-readable specification

Import our OpenAPI 3.0 spec into Postman, Swagger UI, or your code generator of choice.

Download OpenAPI Spec (JSON)