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Home/Fee Index/NSF / Returned Item
Overdraft & NSFspotlight

NSF / Returned Item Fee

Based on 220 verified fees from 162 institutions.

Median

$25

25th Percentile

$12

75th Percentile

$30

Range

$1 – $75

Fee Distribution

By Federal Reserve District

DistrictMedianRangeCount
Boston (District 1)$10$5 – $3315
New York (District 2)$25$1 – $4557
Philadelphia (District 3)$18$3 – $3727
Cleveland (District 4)$30$12 – $348
Richmond (District 5)$30$5 – $3515

Related Fees in Overdraft & NSF

Overdraft (OD)Continuous OverdraftOD Protection TransferOD Line of CreditOD Daily Fee CapNSF Daily Fee Cap

Methodology

Based on 220 verified fees from 162 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.

Atlanta (District 6)$29.50$2 – $3726
Chicago (District 7)$25$3 – $5020
St. Louis (District 8)$29.75$5 – $326
Minneapolis (District 9)$30$5 – $756
Kansas City (District 10)$25$5 – $3210
Dallas (District 11)$28.75$5 – $3510
San Francisco (District 12)$25$7 – $7520

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

Detailed NSF / Returned Item 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
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