Bank Fee Index research
4,048 institutions 50 fee categories
Data refreshed Nov 2, 2026
See the sample Competitive Fee Position Report5 of 8
Credit unions have the lower median on 5 of 8 everyday fees.
Banks are lower on 0; the medians match on 3. Lower at credit unions: monthly maintenance, out-of-network ATM, outgoing domestic wire, outgoing international wire, stop payment.
Each institution counts once per fee, at the median of its published prices (overdraft: its highest). Bank and credit union medians are taken separately for every fee where both groups have enough institutions for a median, then compared fee by fee. It compares published prices, not what customers end up paying.
$5
Credit union outgoing domestic wire fees are $5 lower at the median.
The median is $20 at 1,666 credit unions and $25 at 964 banks, the widest gap in dollars of the fees compared.
Each institution counts once, at the median of its published prices for the fee (overdraft: its highest). The figure is the median of those values among 1,666 credit unions, set against the same among 964 banks. It compares published prices, not what customers end up paying.
2.0×
Monthly maintenance prices vary the most of 8 everyday fees compared.
The middle 50% of 1,903 institutions runs from $5 to $10. The 75th percentile is 2.0 times the 25th.
Spread is measured as the 75th percentile of institution medians divided by the 25th, so fees with different price levels compare fairly. A fee with a wider dollar range can rank lower if its prices are higher overall. How often customers pay the fee isn't measured here.
Reports for 50 states, DC and 3 territories, all 12 Federal Reserve districts and the U.S.
States with a report, by institutions with published fees
The monthly maintenance median is above the national median in 3 of 12 districts, below it in 6, and less than 1% from it in 3.
Monthly maintenance median against the national median, by Federal Reserve district
Monthly maintenance median in each district, against the U.S.
Each institution counts once, at the median of its published prices for a fee (overdraft: its highest), and a district's median is taken across its institutions. A district is shaded only when at least 10 of its institutions publish the fee. A gap under 1% of the national median is shaded as “within 1%”; the card still shows both figures. Each state is shaded by the district that covers most of it. A district's own report lists its other notable differences.
U.S. medians for 50 fee categories from 4,048 banks and credit unions.
Of these 8 fees, outgoing international wire has the highest median ($50) and out-of-network ATM the lowest ($1.50).
Median published price, U.S. banks and credit unions. Open a fee for its detail.
Distribution, all 2,605 institutions
Median $30.00. Middle 50% of institutions' highest published prices: $25.00 to $33.00. 1,038 banks, 1,567 credit unions.
Source: Bank Fee Index, 3,376 verified entries from the institutions' own published fee schedules. Each institution counts once, at the median of its prices (overdraft: its highest).Every published price →
Distribution, all 2,857 institutions
Median $30.00. Middle 50% of institution medians: $25.00 to $32.00. 957 banks, 1,900 credit unions.
Source: Bank Fee Index, 3,942 verified entries from the institutions' own published fee schedules. Each institution counts once, at the median of its prices (overdraft: its highest).Every published price →
Distribution, all 1,903 institutions
Median $7.00. Middle 50% of institution medians: $5.00 to $10.00. 975 banks, 928 credit unions.
Source: Bank Fee Index, 3,957 verified entries from the institutions' own published fee schedules. Each institution counts once, at the median of its prices (overdraft: its highest).Every published price →
Distribution, all 1,651 institutions
Median $1.50. Middle 50% of institution medians: $1.00 to $2.00. 586 banks, 1,065 credit unions.
Source: Bank Fee Index, 2,212 verified entries from the institutions' own published fee schedules. Each institution counts once, at the median of its prices (overdraft: its highest).Every published price →
Distribution, all 2,630 institutions
Median $25.00. Middle 50% of institution medians: $20.00 to $25.00. 964 banks, 1,666 credit unions.
Source: Bank Fee Index, 2,912 verified entries from the institutions' own published fee schedules. Each institution counts once, at the median of its prices (overdraft: its highest).Every published price →
Distribution, all 1,731 institutions
Median $50.00. Middle 50% of institution medians: $40.00 to $50.00. 790 banks, 941 credit unions.
Source: Bank Fee Index, 1,870 verified entries from the institutions' own published fee schedules. Each institution counts once, at the median of its prices (overdraft: its highest).Every published price →
Distribution, all 3,349 institutions
Median $27.50. Middle 50% of institution medians: $20.00 to $30.00. 1,245 banks, 2,104 credit unions.
Source: Bank Fee Index, 4,594 verified entries from the institutions' own published fee schedules. Each institution counts once, at the median of its prices (overdraft: its highest).Every published price →
Distribution, all 2,585 institutions
Median $5.00. Middle 50% of institution medians: $3.00 to $6.00. 1,073 banks, 1,512 credit unions.
Source: Bank Fee Index, 3,105 verified entries from the institutions' own published fee schedules. Each institution counts once, at the median of its prices (overdraft: its highest).Every published price →
Sample size: institutions with a published price for the fee.
All fee categories →Economic and market data
Find it by what you want to know. Each card names the agency the data comes from.
Fee income, deposit share, complaints, the Beige Book and local jobs and income data, for each of the 12 districts.
For banks and credit unions
Hamilton, the Fee Insight workspace, sets your fees against a peer set you choose, from your own counties to the nation, with the source for every figure.
Competitive Fee Position Report: one-time, quoted per institution, from $300.
4,048 of the 8,517 banks and credit unions monitored have verified published fees.
Coverage of the index today
Not yet checked: which account each price belongs to. A schedule with several accounts can list several prices for one fee, so each institution counts once, at the median of its prices (overdraft: its highest).
Some schedules don't say whether a fee is for personal or business accounts. Those fees are counted as personal and included in the medians on this page. Each benchmark row shows how many of its institutions this affects. A median without them isn't published yet, so the size of the effect isn't shown.
An institution is counted when every price found for the fee on its own schedule is $0. Which account each price belongs to isn't checked yet, so this doesn't show that every account at the institution is free.
Coverage: banks and credit unions of every asset size, all 12 Federal Reserve districts, 50 states, DC and 3 territories. Each state and district report shows how many of its institutions have published fees so far.
Two studies under way. Each lists the data you can open today and what hasn't been published.
Studies under way