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Home/Fee Index/OD Daily Fee Cap
Overdraft & NSFcomprehensive

OD Daily Fee Cap Fee

Based on 178 verified fees from 174 institutions.

Median

$120

25th Percentile

$90

75th Percentile

$150

Range

$3 – $600

Fee Distribution

By Federal Reserve District

DistrictMedianRangeCount
Boston (District 1)$150$12 – $21013
New York (District 2)$82.50$3 – $30012
Philadelphia (District 3)$100$4 – $1759
Cleveland (District 4)$159$111 – $2004
Richmond (District 5)$150$45 – $60013

Related Fees in Overdraft & NSF

Overdraft (OD)NSF / Returned ItemContinuous OverdraftOD Protection TransferOD Line of CreditNSF Daily Fee Cap

Methodology

Based on 178 verified fees from 174 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)$140$75 – $1929
Chicago (District 7)$125$30 – $22439
St. Louis (District 8)$120$75 – $2457
Minneapolis (District 9)$122.50$50 – $24828
Kansas City (District 10)$100$3.29 – $21014
Dallas (District 11)$105$5 – $2107
San Francisco (District 12)$125$6 – $38423

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

Detailed OD Daily Fee Cap 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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