Fee Insight
Find Your InstitutionBank Fee IndexResearchGuidesFor InstitutionsPricing
Sign inRequest your report
Fee Insight

Home of the Bank Fee Index — U.S. bank and credit union fees by district, state, size, and type. Published-source benchmarks for consumers and banking teams.

New benchmarks, notable fee changes, one chart. About once a month.

Product

  • Bank Fee Index
  • Find Your Institution
  • Research Hub
  • Consumer Guides
  • For Institutions
  • Pricing
  • API

Research

  • National benchmarks
  • Fee-to-Revenue Analysis
  • State Reports
  • District Reports

Company

  • About
  • Contact
  • Privacy Policy
  • Terms of Service
Fee Insight © 2026hello@bankfeeindex.com
Home/Fee Index/ACH Return
Digital & Electronicextended

ACH Return Fee

Based on 12 verified fees from 12 institutions.

Median

$20

25th Percentile

$9.38

75th Percentile

$30

Range

$5 – $43

Fee Distribution

By Federal Reserve District

DistrictMedianRangeCount
Boston (District 1)$5$5 – $51
New York (District 2)$15$10 – $253
Philadelphia (District 3)$35$35 – $351
Atlanta (District 6)$43$43 – $431
Chicago (District 7)$30$30 – $301
Minneapolis (District 9)

Related Fees in Digital & Electronic

ACH OriginationBill PayMobile DepositZelle

Methodology

Based on 12 verified fees from 12 US banks and credit unions, read from their published fee schedules. Fees the software is not sure about are held for a person to check and are not counted here. Institutions are identified via FDIC and NCUA regulatory databases.

$27.50
$25 – $30
2
Kansas City (District 10)$10$10 – $101
San Francisco (District 12)$7.50$7.50 – $7.502

Data as of Aug 23, 2026 · 3,741 observations

Detailed ACH Return breakdown by charter, tier, and state

Unlock all 57 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 3,728 verified fees from 1,183 institutions
See pricing