New York Fed · District 2

Bank fees in New York

Overdraft and NSF medians are about the same as the national median. The deposited item return median is $5 above the national median.

of 545 banks and credit unions have verified fee schedules: 278
fee medians sit within the national middle range: 15 of 15

Data refreshed Nov 2, 2026Get the free district report

Against the U.S.

3 of 15 district medians sit above the U.S. median

Other notable differences from the U.S.

Monthly maintenance: $5 median, versus $7 nationally ($2 lower, 29%).
Outgoing international wire: $45 median, versus $50 nationally ($5 lower, 10%).
Stop payment: $25 median, versus $27.50 nationally ($2.50 lower, 9%).

Overdraft (OD)

$30

Median of 145 New York district institutions. U.S. $30.

New York district institutionsNational middle range

Dormant Account212 institutionsIn Hamilton
Check Image/Copy177 institutionsIn Hamilton
Document Reproduction162 institutionsIn Hamilton
Garnishment/Levy127 institutionsIn Hamilton
Money Order126 institutionsIn Hamilton

Plus 30 more New York district fees. See them in Hamilton

Method: Findings rank only fees with at least 10 New York 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 New York district.

Lower at credit unions

Lower at banks

About the same

Fee

Overdraft (OD)

Credit unions $4 lower in the New York district.

$34

Banks

median of 41

$30

Credit unions

median of 104

Three fees with lower bank medians

Debit Card Replacement

$7.75

Banks

median of 54

$10

Credit unions

median of 151

Deposited Item Return

$12

Banks

median of 39

$25

Credit unions

median of 102

Paper Statement

Banks

median of 26

$2.75

Credit unions

median of 46

Every fee, banks against credit unions

Bank and credit union medians in the New York district; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$34	$30	$4
NSF / Returned Item	$32	$30	$2
Monthly Maintenance	$6.75	$4.95	$1.80
Non-Network ATM	$2	$1	$1
Wire Transfer (Domestic Out)	$25	$25	Same
Wire Transfer (Int'l Out)	$45	$45	Same
Stop Payment	$30	$25	$5
Cashier's Check	$7	$5	$2
Debit Card Replacement	$7.75	$10	$2.25
Deposited Item Return	$12	$25	$13
Wire Transfer (Domestic In)	$15	$10	$5
OD Protection Transfer	$5	$5	Same
Paper Statement	$2	$2.75	$0.75
Minimum Balance	$7.50	$7.50	Same

State by state

Every state's overdraft median is $30

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

New York district median, $30

New York

New York fee report →

Banks 115 · Credit unions 268: 383
With verified fees: 50%
Bank deposit service charges, latest quarter: $410.6M
Credit union fee income, latest quarter: $110.6M
Branches: 5,072
Unemployment, Sep 2026: 4.3%
Median household income: $86K

New York median New York district

Overdraft$30 vs $30
NSF$30 vs $30
Maintenance$5 vs $5
Out-of-network ATM$1.50 vs $1.50
Outgoing wire$25 vs $25

Compare all states and territories


127	50%	$30	$30	$6.50	$32.2M	4.2%
383	50%	$30	$30	$5	$410.6M	4.3%
9	67%	-	-	-	$52.5M	-
6	67%	-	-	-	$259K	-

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 New York district; unemployment, income and branches cover the whole state. 20 New York district institutions are in parts of other states and count only in the district totals.

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District 2'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 18.4% 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

$513.4MQ2 2026

+18.4% from Q2 2025

Credit unions: all fee income

$123.3MQ2 2026

+11.0% 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 46% of bank deposits in the district's states and territories

545 banks and credit unions, with 6,483 bank branches and 1,459 credit union branches.

JPMorgan Chase Bank, National Association30.5% · $1.0T across 764 branches
Bank of America, National Association6.1% · $200.8B across 430 branches
Citibank, National Association3.5% · $115.6B across 224 branches
TD Bank, National Association3.4% · $112.3B across 439 branches
Wells Fargo Bank, National Association2.8% · $93.0B across 283 branches
Every other bank53.7% · $1.8T

43% of the 160 banks hold $100M to $1B in assets

FDIC asset-size groups

45% of the 382 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 Second District increased slightly, led by strength in manufacturing.”

Federal Reserve Beige Book, New York 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
New Jersey	4.2%	$104K
New York	4.3%	$86K

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.

District0.1
U.S.1.1
New York0.112

Too few matched institutions for a rate: New Jersey (2), Puerto Rico (3).

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 278 New York 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

Bank fees in New York

Overdraft and NSF medians are about the same as the national median. The deposited item return median is $5 above the national median.

of 545 banks and credit unions have verified fee schedules

278

fee medians sit within the national middle range

15 of 15

Fee

Banks

Credit unions

Difference

Overdraft (OD)

$34

$30

NSF / Returned Item

$32

$30

Monthly Maintenance

$6.75

$4.95

$1.80

Non-Network ATM

Wire Transfer (Domestic Out)

$25

Same

Wire Transfer (Int'l Out)

$45

Same

Stop Payment

$30

$25

Cashier's Check

Debit Card Replacement

$7.75

$10

$2.25

Deposited Item Return

$12

$25

$13

Wire Transfer (Domestic In)

$15

$10

OD Protection Transfer

Same

Paper Statement

$2.75

$0.75

Minimum Balance

$7.50

Same

State

127

$30

383

$30

State

Unemployment

Median household income

New Jersey

4.2%

$104K

New York

4.3%

$86K