The Bank Fee Index integrates data from 12 federal and derived sources. All data is publicly available, sourced from official government APIs, and refreshed on automated schedules.
Bank and credit union fee observations extracted from published PDFs and web pages with source lineage and review gates.
Quarterly financial data for all FDIC-insured banks. Includes service charge income (RIAD4080), total assets, deposits, and revenue metrics.
Quarterly financial data for federally insured credit unions. Includes fee income (ACCT_131), assets, deposits, and member counts.
Consumer complaints about checking accounts, savings accounts, and fee-related issues. Filtered to overdraft, NSF, and account management complaints.
Federal Reserve Economic Data including federal funds rate, CPI, unemployment, and bank-specific Quarterly Banking Profile metrics (net interest income, service charges).
Bureau of Labor Statistics CPI data including the bank-specific series CUUR0000SEMC01 (Checking Account and Other Bank Services) and regional professional services CPI.
Daily reference rates including SOFR (Secured Overnight Financing Rate), EFFR (Effective Federal Funds Rate), and OBFR (Overnight Bank Funding Rate).
Daily composite financial stress index from 33 market variables. Tracks credit, equity, funding, and volatility stress indicators.
Annual branch-level deposit data for all domestic banking offices. Used to compute Herfindahl-Hirschman Index (HHI) market concentration by MSA.
Derived market concentration metrics per Metropolitan Statistical Area. Computed from Summary of Deposits branch-level data.
American Community Survey 5-year estimates: median household income, poverty rates, and population by state and county.
Income classifications (low/moderate/middle/upper) and demographics for census tracts. Enables CRA-type equity analysis of fee distributions.