Federal Reserve District 12
Fee benchmarks for 764 financial institutions across 11 states. This district has 10 fee categories below the national median and 19 above.
Institutions
764
With Fee Data
138
Banks
246
Credit Unions
518
35 fee categories with sufficient data.
| Fee Category | District Median | National Median | Delta | Banks | CUs |
|---|---|---|---|---|---|
| Debit Card Replacement | $25.00 | $7.50 | +233.3% | 7 | 19 |
| Monthly Maintenance | $10.00 | $6.00 | +66.7% | 15 | 11 |
| Wire Transfer (Domestic Out) | $25.00 | $20.00 |
Data sourced from published fee schedules of FDIC-insured banks and NCUA-insured credit unions in Federal Reserve District 12 (San Francisco). Medians computed from extracted fee amounts excluding rejected reviews. Economic context from the Federal Reserve Beige Book. Delta shows percentage difference from the national median.
| +25.0% |
| 7 |
| 7 |
| Paper Statement | $5.00 | $3.00 | +66.7% | 9 | 4 |
| NSF / Returned Item | $25.00 | $25.00 | - | 7 | 5 |
| Non-Network ATM | $2.00 | $2.00 | - | 9 | 2 |
| Deposited Item Return | $20.00 | $15.00 | +33.3% | 5 | 6 |
| Stop Payment | $25.00 | $25.00 | - | 6 | 5 |
| Cashier's Check | $9.00 | $5.00 | +80.0% | 6 | 4 |
| Wire Transfer (Int'l Out) | $37.50 | $45.00 | -16.7% | 6 | 3 |
| Overdraft (OD) | $25.00 | $29.00 | -13.8% | 6 | 2 |
| Foreign Transaction | $20.00 | $1.10 | +1718.2% | 3 | 3 |
| OD Protection Transfer | $10.00 | $5.00 | +100.0% | 2 | 3 |
| Minimum Balance | $5.00 | $5.00 | - | 1 | 4 |
| Wire Transfer (Domestic In) | $12.00 | $10.00 | +20.0% | 5 | 0 |
| Extended Categories | |||||
| Counter/Temporary Check | $4.00 | $2.00 | +100.0% | 6 | 36 |
| OD Daily Fee Cap | $125.00 | $150.00 | -16.7% | 10 | 13 |
| Rush Card Delivery | $45.00 | $35.00 | +28.6% | 2 | 20 |
| Account Research | $8.50 | $10.00 | -15.0% | 10 | 6 |
| NSF Daily Fee Cap | $116.50 | $120.00 | -2.9% | 6 | 10 |
| Bill Pay | $14.98 | $8.00 | +87.3% | 6 | 5 |
| Check Image/Copy | $3.00 | $2.50 | +20.0% | 5 | 4 |
| Safe Deposit Box | $55.00 | $45.00 | +22.2% | 7 | 2 |
| Account Verification | $12.50 | $10.00 | +25.0% | 3 | 4 |
| ACH Origination | $5.00 | $5.00 | - | 4 | 2 |
| Early Account Closure | $22.50 | $20.00 | +12.5% | 5 | 1 |
| Check Cashing | $5.00 | $10.00 | -50.0% | 4 | 2 |
| Dormant Account | $2.00 | $5.00 | -60.0% | 3 | 3 |
| Garnishment/Levy | $100.00 | $50.00 | +100.0% | 3 | 2 |
| Check Printing | $3.00 | $5.00 | -40.0% | 1 | 3 |
| Notary Service | $15.00 | $5.00 | +200.0% | 1 | 3 |
| Legal Process/Subpoena | $87.50 | $45.00 | +94.4% | 2 | 2 |
| Debit Card Rush Fee | $37.50 | - | - | 0 | 3 |
| ACH Return | $7.50 | $10.00 | -25.0% | 2 | 1 |
| Coin Counting | $0.12 | $2.50 | -95.2% | 2 | 1 |
Data as of Aug 23, 2026 · 3,741 observations
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