Kansas City Fed · District 10

Bank fees in the Central Plains

Overdraft and NSF medians are $1 and $2 below the national median.

of 941 banks and credit unions have verified fee schedules: 408
fee medians sit within the national middle range: 14 of 14

Data refreshed Nov 2, 2026Get the free district report

Against the U.S.

2 of 14 district medians sit above the U.S. median

Other notable differences from the U.S.

Deposited item return: $10 median, versus $15 nationally ($5 lower, 33%).
Outgoing domestic wire: $20 median, versus $25 nationally ($5 lower, 20%).
Stop payment: $25 median, versus $27.50 nationally ($2.50 lower, 9%).

Overdraft (OD)

$29

Median of 274 Kansas City district institutions. U.S. $30.

Kansas City district institutionsNational middle range

Dormant Account240 institutionsIn Hamilton
Garnishment/Levy238 institutionsIn Hamilton
Document Reproduction196 institutionsIn Hamilton
Money Order172 institutionsIn Hamilton
Check Image/Copy159 institutionsIn Hamilton

Plus 30 more Kansas City district fees. See them in Hamilton

Method: Findings rank only fees with at least 10 Kansas City district institutions. Fees with fewer appear in the list, unranked. The national middle range runs from the 25th to the 75th percentile of U.S. institutions.

Banks and credit unions

Credit unions have lower medians on 6 of 14 fees

Each tile is one fee. Pick one to see both medians.

lower at credit unions: 6
lower at banks: 4
about the same: 4

14 fees with both a bank and a credit union median in the Kansas City district.

Lower at credit unions

Lower at banks

About the same

Fee

Monthly Maintenance

Credit unions $2.75 lower in the Kansas City district.

$7.75

Banks

median of 155

Credit unions

median of 75

Four fees with lower bank medians

Overdraft (OD)

$28

Banks

median of 154

$30

Credit unions

median of 120

NSF / Returned Item

$25

Banks

median of 131

$30

Credit unions

median of 141

Deposited Item Return

Banks

median of 101

$17.50

Credit unions

median of 97

Minimum Balance

Banks

median of 24

$10

Credit unions

median of 26

Every fee, banks against credit unions

Bank and credit union medians in the Kansas City district; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$28	$30	$2
NSF / Returned Item	$25	$30	$5
Monthly Maintenance	$7.75	$5	$2.75
Non-Network ATM	$2	$1.50	$0.50
Wire Transfer (Domestic Out)	$20	$20	Same
Wire Transfer (Int'l Out)	$50	$45	$5
Stop Payment	$25	$25	Same
Cashier's Check	$5	$3	$2
Debit Card Replacement	$10	$10	Same
Deposited Item Return	$5	$17.50	$12.50
Wire Transfer (Domestic In)	$10	$6	$4
Paper Statement	$3	$3	Same
OD Protection Transfer	$6	$4.95	$1.05
Minimum Balance	$5	$10	$5

State by state

Overdraft medians run from $27 in New Mexico to $30 in Wyoming

Each card shows the same fee on one scale; the short upright line marks the district median. Pick a state for its detail.

Kansas City district median, $29

Kansas

Kansas fee report →

Banks 183 · Credit unions 61: 244
With verified fees: 41%
Bank deposit service charges, latest quarter: $33.6M
Credit union fee income, latest quarter: $16.7M
Branches: 1,582
Unemployment, Sep 2026: 3.8%
Median household income: $74K

Kansas median Kansas City district

Overdraft$27.50 vs $29
NSF$25 vs $28
Maintenance$6 vs $7.50
Out-of-network ATM$2 vs $1.50
Outgoing wire$20 vs $20

Compare all six states


125	54%	$30	$30	$7.99	$16.6M	4.1%
244	41%	$27.50	$25	$6	$33.6M	3.8%
188	38%	$30	$30	$7.23	$23.6M	2.9%
30	63%	$27	$25	$5.98	$2.2M	4.7%
221	46%	$27.50	$27.50	$7.50	$98.8M	4.2%
42	40%	$30	$30	$8	$1.8M	3.0%

Source: Fee medians from verified published fee schedules, one value per institution; a median needs 5 institutions. Fee income from FDIC and NCUA call reports, branches from the FDIC Summary of Deposits and NCUA, unemployment from BLS, income from the Census ACS. Fee medians, institution counts and fee income in each state count only institutions inside the Kansas City district; unemployment, income and branches cover the whole state. 91 Kansas City district institutions are in parts of other states and count only in the district totals.

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District 10's headline fees against the U.S. in one free PDF, ready to share with your team.

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Fee income

Bank service charges rose 2.1% in a year

Credit union fee income is a wider measure than bank service charges, so the two charts stay separate and are never added together.

Banks: service charges on deposit accounts

$257.7MQ2 2026

+2.1% from Q2 2025

Credit unions: all fee income

$152.4MQ2 2026

+12.6% from Q2 2025

Source: Banks: service charges on deposit accounts, FDIC call reports. Credit unions: all fee income, NCUA call reports. Credit union year-to-date income is split into quarters; a quarter shows once most institutions have filed.

Who serves the district

The five largest banks hold 28% of bank deposits in the district's six states

941 banks and credit unions, with 5,626 bank branches and 1,324 credit union branches.

Wells Fargo Bank, National Association8.7% · $52.6B across 226 branches
JPMorgan Chase Bank, National Association5.4% · $32.3B across 175 branches
U.S. Bank National Association5.1% · $30.6B across 189 branches
BOKF, National Association4.6% · $27.9B across 72 branches
Bank of America, National Association4.3% · $25.9B across 98 branches
Every other bank71.9% · $433.8B

65% of the 649 banks hold $100M to $1B in assets

FDIC asset-size groups

39% of the 292 credit unions hold $10M to $100M in assets

NCUA asset-size groups

Source: Institutions tracked by Fee Insight. Total assets from FDIC and NCUA data, grouped the way each regulator reports them: the FDIC asset-size groups for banks and the NCUA groups for credit unions. Bank deposits from the FDIC Summary of Deposits, 2026, counted for each whole state, even where the district line splits one; credit union branches from NCUA. Leading banks count banks with 10 or more branches here.

Economic context

U.S. prices for bank services rose 1.0% in a year

Bank services prices, 12 months to Sep 2026: +1.0%
U.S. unemployment, Sep 2026: 4.2%

“Business activity in the Tenth District continued to hold steady in a pattern of subdued conditions punctuated by pockets of strong demand.”

Federal Reserve Beige Book, Kansas City district, October 2026 Read it beside your fees in Hamilton

Bank services prices, change over 12 months

Sep 2021 to Sep 2026

Unemployment and income by state

State	Unemployment	Median household income
Colorado	4.1%	$95K
Kansas	3.8%	$74K
Nebraska	2.9%	$76K
New Mexico	4.7%	$64K
Oklahoma	4.2%	$65K
Wyoming	3.0%	$76K

Source: BLS CPI for checking accounts and other bank services and BLS unemployment; Census ACS 2024 median household income; Federal Reserve Beige Book.

More district data: fee complaints and fee changes

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

U.S.1.1

8 district institutions are matched to CFPB records, under the 10 a rate needs.

Source: CFPB Consumer Complaint Database, fee-related issues. Only institutions matched to their CFPB company record count, and a rate needs 10 of them.

Where does your institution sit?

Hamilton, the Fee Insight workspace, sets every fee you charge against institutions your size and in your district.

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From 408 Kansas City district banks and credit unions' own published fee schedules, one value per institution; a median needs at least 5 institutions. Data as of Nov 2, 2026. How we build it

Fee

Banks

Credit unions

Difference

Overdraft (OD)

$28

$30

NSF / Returned Item

$25

$30

Monthly Maintenance

$7.75

$2.75

Non-Network ATM

$1.50

$0.50

Wire Transfer (Domestic Out)

$20

Same

Wire Transfer (Int'l Out)

$50

$45

Stop Payment

$25

Same

Cashier's Check

Debit Card Replacement

$10

Same

Deposited Item Return

$17.50

$12.50

Wire Transfer (Domestic In)

$10

Paper Statement

Same

OD Protection Transfer

$4.95

$1.05

Minimum Balance

$10

State

125

$30

244

$27.50

188

$30

$27

221

$27.50

$30

State

Unemployment

Median household income

Colorado

4.1%

$95K

Kansas

3.8%

$74K

Nebraska

2.9%

$76K

New Mexico

4.7%

$64K

Oklahoma

4.2%

$65K

Wyoming

3.0%

$76K