Dallas Fed · District 11

Bank fees in Texas

Overdraft and NSF medians are about the same as the national median. The minimum balance median is $3.50 above the national median.

of 821 banks and credit unions have verified fee schedules: 345
fee medians sit within the national middle range: 14 of 14

Data refreshed Nov 3, 2026Get the free district report

Against the U.S.

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

Other notable differences from the U.S.

Wire transfer (domestic in): $5 median, versus $10 nationally ($5 lower, 50%).
Deposited item return: $10 median, versus $15 nationally ($5 lower, 33%).
Debit card replacement: $7.50 median, versus $10 nationally ($2.50 lower, 25%).

Overdraft (OD)

$30

Median of 244 Dallas district institutions. U.S. $30.

Dallas district institutionsNational middle range

Document Reproduction200 institutionsIn Hamilton
Check Image/Copy193 institutionsIn Hamilton
Early Account Closure178 institutionsIn Hamilton
Money Order152 institutionsIn Hamilton
Counter/Temporary Check150 institutionsIn Hamilton

Plus 31 more Dallas district fees. See them in Hamilton

Method: Findings rank only fees with at least 10 Dallas 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 7 of 14 fees

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

lower at credit unions: 7
lower at banks: 3
about the same: 4

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

Lower at credit unions

Lower at banks

About the same

Fee

Monthly Maintenance

Credit unions $2.75 lower in the Dallas district.

$8.75

Banks

median of 77

Credit unions

median of 114

Three fees with lower bank medians

Debit Card Replacement

Banks

median of 74

$7.50

Credit unions

median of 170

Deposited Item Return

Banks

median of 59

$17.50

Credit unions

median of 111

Minimum Balance

$9.38

Banks

median of 16

$10

Credit unions

median of 35

Every fee, banks against credit unions

Bank and credit union medians in the Dallas district; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$30	$30	Same
NSF / Returned Item	$30	$30	Same
Monthly Maintenance	$8.75	$6	$2.75
Non-Network ATM	$1.50	$1.50	Same
Wire Transfer (Domestic Out)	$25	$20	$5
Wire Transfer (Int'l Out)	$50	$45	$5
Stop Payment	$30	$28	$2
Cashier's Check	$5	$5	Same
Debit Card Replacement	$5	$7.50	$2.50
Deposited Item Return	$5	$17.50	$12.50
OD Protection Transfer	$5	$4	$1
Wire Transfer (Domestic In)	$10	$5	$5
Paper Statement	$4	$3	$1
Minimum Balance	$9.38	$10	$0.62

State by state

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

Dallas district median, $30

Texas

Texas fee report →

Banks 346 · Credit unions 380: 726
With verified fees: 43%
Bank deposit service charges, latest quarter: $276.4M
Credit union fee income, latest quarter: $262.6M
Branches: 8,076
Unemployment, Sep 2026: 4.4%
Median household income: $78K

Texas median Dallas district

Overdraft$30 vs $30
NSF$30 vs $30
Maintenance$7.50 vs $7.50
Out-of-network ATM$1.50 vs $1.50
Outgoing wire$20 vs $20

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 Dallas district; unemployment, income and branches cover the whole state. 95 Dallas district institutions are in parts of other states and count only in the district totals.

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District 11'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 fell 9.4% 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

$292.3MQ2 2026

−9.4% from Q2 2025

Credit unions: all fee income

$274.6MQ2 2026

+5.7% 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 42% of bank deposits in Texas

821 banks and credit unions, with 6,258 bank branches and 1,818 credit union branches.

JPMorgan Chase Bank, National Association19.4% · $308.3B across 489 branches
Bank of America, National Association12.6% · $199.8B across 313 branches
Wells Fargo Bank, National Association5.9% · $94.4B across 457 branches
Prosperity Bank2.0% · $31.2B across 326 branches
PNC Bank, National Association1.9% · $30.1B across 319 branches
Every other bank58.2% · $922.5B

65% of the 401 banks hold $100M to $1B in assets

FDIC asset-size groups

43% of the 420 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%

“Economic activity in the Eleventh District expanded moderately over the reporting period.”

Federal Reserve Beige Book, Dallas 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
Texas	4.4%	$78K

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.

See Hamilton plans Or ask for a demo

From 345 Dallas district banks and credit unions' own published fee schedules, one value per institution; a median needs at least 5 institutions. Data as of Nov 3, 2026. How we build it

Bank fees in Texas

Overdraft and NSF medians are about the same as the national median. The minimum balance median is $3.50 above the national median.

of 821 banks and credit unions have verified fee schedules

345

fee medians sit within the national middle range

14 of 14

Fee

Banks

Credit unions

Difference

Overdraft (OD)

$30

Same

NSF / Returned Item

$30

Same

Monthly Maintenance

$8.75

$2.75

Non-Network ATM

$1.50

Same

Wire Transfer (Domestic Out)

$25

$20

Wire Transfer (Int'l Out)

$50

$45

Stop Payment

$30

$28

Cashier's Check

Same

Debit Card Replacement

$7.50

$2.50

Deposited Item Return

$17.50

$12.50

OD Protection Transfer

Wire Transfer (Domestic In)

$10

Paper Statement

Minimum Balance

$9.38

$10

$0.62

State

Unemployment

Median household income

Texas

4.4%

$78K