Philadelphia Fed · District 3

Bank fees in Pennsylvania, New Jersey and Delaware

The overdraft median is $2.50 above the national median; NSF is about the same.

of 317 banks and credit unions have verified fee schedules: 163
fee medians sit within the national middle range: 13 of 14

Data refreshed Nov 2, 2026Get the free district report

Against the U.S.

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

Other notable differences from the U.S.

Cashier's check: $7 median, versus $5 nationally ($2 higher, 40%).
Deposited item return: $20 median, versus $15 nationally ($5 higher, 33%).
Wire transfer (domestic in): $13 median, versus $10 nationally ($3 higher, 30%).

Overdraft (OD)

$32.50

Median of 104 Philadelphia district institutions. U.S. $30.

Philadelphia district institutionsNational middle range

Dormant Account107 institutionsIn Hamilton
Check Image/Copy102 institutionsIn Hamilton
Garnishment/Levy97 institutionsIn Hamilton
Document Reproduction86 institutionsIn Hamilton
Money Order82 institutionsIn Hamilton

Plus 28 more Philadelphia district fees. See them in Hamilton

Method: Findings rank only fees with at least 10 Philadelphia 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 12 of 14 fees

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

lower at credit unions: 12
lower at banks: 2

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

Lower at credit unions

Lower at banks

Fee

Overdraft (OD)

Credit unions $5 lower in the Philadelphia district.

$35

Banks

median of 37

$30

Credit unions

median of 67

Two fees with lower bank medians

Debit Card Replacement

$7.50

Banks

median of 42

$10

Credit unions

median of 75

Deposited Item Return

$15

Banks

median of 32

$25

Credit unions

median of 59

Every fee, banks against credit unions

Bank and credit union medians in the Philadelphia district; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$35	$30	$5
NSF / Returned Item	$35	$30	$5
Monthly Maintenance	$8.71	$5	$3.71
Non-Network ATM	$2	$1	$1
Wire Transfer (Domestic Out)	$25	$20	$5
Wire Transfer (Int'l Out)	$45	$40	$5
Stop Payment	$30	$24.25	$5.75
Cashier's Check	$10	$5	$5
Debit Card Replacement	$7.50	$10	$2.50
Deposited Item Return	$15	$25	$10
Wire Transfer (Domestic In)	$15	$10	$5
OD Protection Transfer	$8.50	$5	$3.50
Paper Statement	$3	$2	$1
Minimum Balance	$7	$5.48	$1.52

State by state

Overdraft medians run from $30 in Delaware to $32.50 in Pennsylvania

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

Philadelphia district median, $32.50

Pennsylvania

Pennsylvania fee report →

Banks 76 · Credit unions 163: 239
With verified fees: 49%
Bank deposit service charges, latest quarter: $45.0M
Credit union fee income, latest quarter: $78.8M
Branches: 4,313
Unemployment, Sep 2026: 3.6%
Median household income: $78K

Pennsylvania median Philadelphia district

Overdraft$32.50 vs $32.50
NSF$30 vs $30
Maintenance$5 vs $6.25
Out-of-network ATM$1.50 vs $1.50
Outgoing wire$22.50 vs $25

Compare both states

State
	30	57%	$30	$25	$12	$780.4M	4.6%
	239	49%	$32.50	$30	$5	$45.0M	3.6%

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 Philadelphia district; unemployment, income and branches cover the whole state. 48 Philadelphia district institutions are in parts of other states and count only in the district totals.

Get the Philadelphia district report

District 3's headline fees against the U.S. in one free PDF, ready to share with your team.

Get the free report

Fee income

Bank service charges rose 4.1% 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

$830.1MQ2 2026

+4.1% from Q2 2025

Credit unions: all fee income

$87.7MQ2 2026

+7.5% 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 30% of bank deposits in the district's two states

317 banks and credit unions, with 3,569 bank branches and 1,053 credit union branches.

PNC Bank, National Association13.0% · $145.9B across 293 branches
TD Bank, National Association7.1% · $80.1B across 83 branches
Wells Fargo Bank, National Association3.7% · $41.8B across 182 branches
Citizens Bank, National Association3.3% · $36.6B across 230 branches
Manufacturers and Traders Trust Company2.8% · $32.0B across 186 branches
Every other bank70.0% · $786.3B

53% of the 109 banks hold $100M to $1B in assets

FDIC asset-size groups

40% of the 208 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 Third District grew slightly, after picking up to a modest pace of growth last period.”

Federal Reserve Beige Book, Philadelphia 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
Delaware	4.6%	$85K
Pennsylvania	3.6%	$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.

District0.7
U.S.1.1

Too few matched institutions for a rate: Delaware (6), Pennsylvania (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 163 Philadelphia 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)

$35

$30

NSF / Returned Item

$35

$30

Monthly Maintenance

$8.71

$3.71

Non-Network ATM

Wire Transfer (Domestic Out)

$25

$20

Wire Transfer (Int'l Out)

$45

$40

Stop Payment

$30

$24.25

$5.75

Cashier's Check

$10

Debit Card Replacement

$7.50

$10

$2.50

Deposited Item Return

$15

$25

$10

Wire Transfer (Domestic In)

$15

$10

OD Protection Transfer

$8.50

$3.50

Paper Statement

Minimum Balance

$5.48

$1.52

State

$30

239

$32.50

State

Unemployment

Median household income

Delaware

4.6%

$85K

Pennsylvania

3.6%

$78K