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Home/Fee Index/Overdraft (OD)
Overdraft & NSFspotlight

Overdraft (OD) Fee

Based on 78 verified fees from 68 institutions.

Median

$30

25th Percentile

$20

75th Percentile

$35

Range

$0.50 – $40

Fee Distribution

By Federal Reserve District

DistrictMedianRangeCount
Boston (District 1)$29.50$10 – $356
New York (District 2)$25$5 – $3515
Philadelphia (District 3)$29$20 – $358
Cleveland (District 4)$15$10 – $303
Richmond (District 5)$33$5 – $387

Related Fees in Overdraft & NSF

NSF / Returned ItemContinuous OverdraftOD Protection TransferOD Line of CreditOD Daily Fee CapNSF Daily Fee Cap

Methodology

Based on 78 verified fees from 68 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)
$35
$4 – $37
9
Chicago (District 7)$27$1 – $356
St. Louis (District 8)$30$30 – $302
Minneapolis (District 9)$30$30 – $301
Kansas City (District 10)$27$0.50 – $406
Dallas (District 11)$25$5 – $354
San Francisco (District 12)$25$1 – $3511

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

Detailed Overdraft (OD) 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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