Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

National bank, over $250B

U.S. Bank National Association

Cincinnati, OhioBankCleveland Fed districtFees collected Oct 9, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Maintenance Fee waived on every U.S. Bank Smartly® Checking account$10Within the typical range ($4–$10 nationally)

Monthly Maintenance Fee with no minimum balance requirement$4.95

$1.05 below the national median$1.54 below the Ohio median

per month · Source

TEEN Checking Account Monthly Maintenance Fee$0

$6 below the national median$6.49 below the Ohio median

per month · Source

Account Balancing and Research 1 hour minimum$30

$12.50 above the national median$12.50 above the Ohio median

Source

Overdraft & NSFVerified

Overdraft Paid Fee$36Above the typical range ($25–$33 nationally)
$6 above the national median$6 above the Ohio median
per item · Source
Returned check$30Within the typical range ($25–$32 nationally)
At the national medianAt the Ohio median
per item · Source
Returned Check Fee$35Above the typical range ($25–$32 nationally)
$5 above the national median$5 above the Ohio median
Source
Overdraft Protection Transfer Fee$12.50Above the typical range ($2.50–$5 nationally)
$7.50 above the national median$7.50 above the Ohio median
Source

ATM & CardVerified

Non-U.S. Bank ATM Transaction (International or Domestic)$3Above the typical range ($1–$2.25 nationally)
$1.50 above the national median$1 above the Ohio median
Source

Wire TransfersVerified

Wire Transfer1: Domestic – Outgoing$30Above the typical range ($20–$25 nationally)
$5 above the national median$5 above the Ohio median
Source
Wire transfers$30Above the typical range ($20–$25 nationally)
$5 above the national median$5 above the Ohio median
per transaction · Source
Wire Transfer1: Domestic – Incoming$20Above the typical range ($5–$15 nationally)
$10 above the national median$5 above the Ohio median
Source
Wire Transfer1: International – Outgoing$50Within the typical range ($40–$50 nationally)
At the national medianAt the Ohio median
Source
Wire Transfer1: International – Incoming$25Within the typical range ($10–$25 nationally)
$5 above the national median$10 above the Ohio median
Source

Check ServicesVerified

Cashier’s Check$10Above the typical range ($3–$6 nationally)
$5 above the national median$5 above the Ohio median
Source
Personal Money Orders$5Above the typical range ($1.50–$3 nationally)
$3 above the national median$2 above the Ohio median
Source
Stop payment$25Within the typical range ($20–$30 nationally)
$2.50 below the national median$5 below the Ohio median
per item · Source
Stop Payment$35Above the typical range ($20–$30 nationally)
$7.50 above the national median$5 above the Ohio median
Source
Counter Checks$2Within the typical range ($1–$4 nationally)
At the national median$1 above the Ohio median
per item · Source

Cash & DepositVerified

Debit Card Cash Advance Fee$2Within the typical range ($2–$10 nationally)
$3 below the national median$3 below the Ohio median
Source

Account ServicesVerified

Lock Drilling$0Below the typical range ($30–$70 nationally)
$45 below the national median$50 below the Ohio median
Source
Garnishments$100Above the typical range ($30–$90 nationally)
$50 above the national median$50 above the Ohio median
Source

Lending FeesVerified

Late Payment (per month)$10Within the typical range ($10–$25 nationally)
$10 below the national median$15 below the Ohio median
per month · Source

Retirement & IRAVerified

Annual account and/or IRA fee$60Above the typical range ($10–$25 nationally)
$45 above the national median$50 above the Ohio median
per year · Source
Account transfers and IRA closeout$100Above the typical range ($25–$35 nationally)
$75 above the national median$75 above the Ohio median
per transaction · Source
IRA External Transfer Fee$30Within the typical range ($25–$35 nationally)
$5 above the national median$5 above the Ohio median
Source

Other FeesVerified

Courier Fee (per check)$55Above the typical range ($20–$40 nationally)
$25 above the national median$30 above the Ohio median
per item · Source
Overnight check$15Below the typical range ($20–$40 nationally)
$15 below the national median$10 below the Ohio median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Maintenance Fee waived on every U.S. Bank Smartly® Checking account	$10Within the typical range ($4–$10 nationally)	$4 above the national median$3.51 above the Ohio median	per month	—	Source
Monthly maintenance fee	$12Above the typical range ($4–$10 nationally)	$6 above the national median$5.51 above the Ohio median	per month	—	Source
Monthly Maintenance Fee	$5Within the typical range ($4–$10 nationally)	$1 below the national median$1.49 below the Ohio median	per month	—	Source
Monthly Maintenance Fee with no minimum balance requirement	$4.95Within the typical range ($4–$10 nationally)	$1.05 below the national median$1.54 below the Ohio median	per month	—	Source
TEEN Checking Account Monthly Maintenance Fee	$0Below the typical range ($4–$10 nationally)	$6 below the national median$6.49 below the Ohio median	per month	—	Source
Dormant Account (per month)	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Ohio median	per month	—	Source
Account Balancing and Research 1 hour minimum	$30Above the typical range ($11–$25 nationally)	$12.50 above the national median$12.50 above the Ohio median	—	—	Source
Research	$20Within the typical range ($11–$25 nationally)	$2.50 above the national median$2.50 above the Ohio median	—	—	Source
Overdraft & NSFVerified
Overdraft Paid Fee	$36Above the typical range ($25–$33 nationally)	$6 above the national median$6 above the Ohio median	per item	—	Source
Returned check	$30
ATM & CardVerified
Non-U.S. Bank ATM Transaction (International or Domestic)	$3Above the typical range ($1–$2.25 nationally)	$1.50 above the national median$1 above the Ohio median	—	—	Source
Wire TransfersVerified
Wire Transfer1: Domestic – Outgoing	$30Above the typical range ($20–$25 nationally)	$5 above the national median$5 above the Ohio median	—	—	Source
Wire transfers	$30
Check ServicesVerified
Cashier’s Check	$10Above the typical range ($3–$6 nationally)	$5 above the national median$5 above the Ohio median	—	—	Source
Personal Money Orders	$5
Cash & DepositVerified
Debit Card Cash Advance Fee	$2Within the typical range ($2–$10 nationally)	$3 below the national median$3 below the Ohio median	—	—	Source
Account ServicesVerified
Lock Drilling	$0Below the typical range ($30–$70 nationally)	$45 below the national median$50 below the Ohio median	—	—	Source
Garnishments	$100
Lending FeesVerified
Late Payment (per month)	$10Within the typical range ($10–$25 nationally)	$10 below the national median$15 below the Ohio median	per month	—	Source
Retirement & IRAVerified
Annual account and/or IRA fee	$60Above the typical range ($10–$25 nationally)	$45 above the national median$50 above the Ohio median	per year	—	Source
Account transfers and IRA closeout	$100
Other FeesVerified
Courier Fee (per check)	$55Above the typical range ($20–$40 nationally)	$25 above the national median$30 above the Ohio median	per item	—	Source
Overnight check	$15

Against Ohio banks

Overdraft
$36.00
Of 34 others that publish it, 32 lower and 2 higher.
Monthly maintenance
$5.00
Of 27 others that publish it, 5 lower, 4 the same and 18 higher.

See every headline fee against its local competitors

Fee change alerts

Get an email when U.S. Bank National Association changes its collection items

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$36

Overdraft fee: $36

20% above the national median overdraft fee

32 verified fees collected

Headline fees published

10 of 15

Published fees

Under review

Assets

$705.6B

Work at U.S. Bank National Association? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. From $300: we reply within one business day with scope and price.

Request the report

Paid report from $300 · quote within 1 business day

Correct or add a fee source

Fee Insight Pro

Need this every month, for your whole team?

Pro gives up to 5 people the Hamilton workspace: your fees against peers you pick, a watchlist of competitor fee changes, and cited board-ready reports.

See Pro plans

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$705.6B

Total deposits

$541.9B

Service charge income

$311.1M

Fee income ratio

4.1%

Return on assets

1.29%

Branches

2,097

Service charge income by quarter

Q2 2026$311.1M

Q1 2026$310.2M

Q4 2025$304.0M

Q3 2025$317.0M

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 66,932 published fee entries from 3,619 institutions

See pricing