Federal Reserve District 2
Fee benchmarks for 587 financial institutions across 4 states. This district has 11 fee categories below the national median and 11 above.
Institutions
587
With Fee Data
107
Banks
174
Credit Unions
413
35 fee categories with sufficient data.
| Fee Category | District Median | National Median | Delta | Banks | CUs |
|---|---|---|---|---|---|
| Debit Card Replacement | $13.50 | $7.50 | +80.0% | 4 | 30 |
| NSF / Returned Item | $25.00 | $25.00 | - | 4 | 29 |
| Stop Payment | $25.00 | $25.00 | - |
Data sourced from published fee schedules of FDIC-insured banks and NCUA-insured credit unions in Federal Reserve District 2 (New York). 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.
| 2 |
| 30 |
| Wire Transfer (Domestic Out) | $20.00 | $20.00 | - | 2 | 23 |
| Monthly Maintenance | $5.00 | $6.00 | -16.7% | 5 | 14 |
| Paper Statement | $4.00 | $3.00 | +33.3% | 4 | 14 |
| Cashier's Check | $5.00 | $5.00 | - | 2 | 15 |
| OD Protection Transfer | $5.00 | $5.00 | - | 2 | 13 |
| Deposited Item Return | $20.00 | $15.00 | +33.3% | 4 | 10 |
| Non-Network ATM | $1.75 | $2.00 | -12.5% | 2 | 11 |
| Overdraft (OD) | $25.00 | $29.00 | -13.8% | 0 | 12 |
| Wire Transfer (Int'l Out) | $40.00 | $45.00 | -11.1% | 0 | 9 |
| Wire Transfer (Domestic In) | $10.00 | $10.00 | - | 2 | 6 |
| Foreign Transaction | $3.50 | $1.10 | +218.2% | 2 | 2 |
| Extended Categories | |||||
| Account Research | $10.00 | $10.00 | - | 5 | 23 |
| Dormant Account | $7.75 | $5.00 | +55.0% | 1 | 21 |
| Check Image/Copy | $2.00 | $2.50 | -20.0% | 2 | 19 |
| Counter/Temporary Check | $2.00 | $2.00 | - | 8 | 8 |
| Rush Card Delivery | $47.50 | $35.00 | +35.7% | 3 | 12 |
| Legal Process/Subpoena | $25.00 | $45.00 | -44.4% | 3 | 12 |
| Late Payment | $25.00 | $25.00 | - | 0 | 12 |
| OD Daily Fee Cap | $82.50 | $150.00 | -45.0% | 9 | 3 |
| Check Printing | $3.00 | $5.00 | -40.0% | 0 | 12 |
| Early Account Closure | $15.00 | $20.00 | -25.0% | 0 | 10 |
| ACH Origination | $5.00 | $5.00 | - | 3 | 7 |
| Money Order | $2.00 | $2.00 | - | 1 | 7 |
| Bill Pay | $9.98 | $8.00 | +24.8% | 3 | 4 |
| Check Cashing | $10.00 | $10.00 | - | 1 | 6 |
| Account Verification | $12.00 | $10.00 | +20.0% | 2 | 4 |
| Notary Service | $2.00 | $5.00 | -60.0% | 1 | 4 |
| Gift Card Purchase | $3.00 | - | - | 2 | 3 |
| Loan Origination | $27.50 | $10.00 | +175.0% | 0 | 4 |
| Safe Deposit Box | $15.00 | $45.00 | -66.7% | 3 | 0 |
| Garnishment/Levy | $75.00 | $50.00 | +50.0% | 0 | 3 |
| ACH Return | $15.00 | $10.00 | +50.0% | 1 | 2 |
Data as of Aug 23, 2026 · 3,741 observations
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