Cleveland Fed · District 4

Bank fees in the Ohio Valley

Overdraft and NSF medians are about the same as the national median. The wire transfer (domestic in) median is $5 above the national median.

of 559 banks and credit unions have verified fee schedules: 250
fee medians sit within the national middle range: 14 of 14

Data refreshed Nov 2, 2026Get the free district report

Against the U.S.

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

Other notable differences from the U.S.

Minimum balance: $5 median, versus $6.50 nationally ($1.50 lower, 23%).
Outgoing domestic wire: $23.50 median, versus $25 nationally ($1.50 lower, 6%).

Overdraft (OD)

$30

Median of 181 Cleveland district institutions. U.S. $30.

Cleveland district institutionsNational middle range

Dormant Account165 institutionsIn Hamilton
Garnishment/Levy138 institutionsIn Hamilton
Check Image/Copy136 institutionsIn Hamilton
Document Reproduction133 institutionsIn Hamilton
Money Order123 institutionsIn Hamilton

Plus 29 more Cleveland district fees. See them in Hamilton

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

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

lower at credit unions: 10
lower at banks: 2
about the same: 2

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

Lower at credit unions

Lower at banks

About the same

Fee

Overdraft (OD)

Credit unions $2 lower in the Cleveland district.

$32

Banks

median of 75

$30

Credit unions

median of 106

Two fees with lower bank medians

Debit Card Replacement

$7.75

Banks

median of 62

$10

Credit unions

median of 110

Deposited Item Return

$10

Banks

median of 48

$20

Credit unions

median of 84

Every fee, banks against credit unions

Bank and credit union medians in the Cleveland district; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$32	$30	$2
NSF / Returned Item	$32	$30	$2
Monthly Maintenance	$7	$5	$2
Non-Network ATM	$2	$1	$1
Wire Transfer (Domestic Out)	$25	$20	$5
Wire Transfer (Int'l Out)	$50	$50	Same
Stop Payment	$30	$25	$5
Cashier's Check	$6	$5	$1
Debit Card Replacement	$7.75	$10	$2.25
Deposited Item Return	$10	$20	$10
Wire Transfer (Domestic In)	$15	$10	$5
OD Protection Transfer	$5	$5	Same
Paper Statement	$3	$2	$1
Minimum Balance	$6.50	$5	$1.50

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.

Cleveland district median, $30

Ohio

Ohio fee report →

Banks 156 · Credit unions 192: 348
With verified fees: 46%
Bank deposit service charges, latest quarter: $2.5B
Credit union fee income, latest quarter: $71.2M
Branches: 3,756
Unemployment, Sep 2026: 3.4%
Median household income: $71K

Ohio median Cleveland district

Overdraft$30 vs $30
NSF$30 vs $30
Maintenance$6.73 vs $6.48
Out-of-network ATM$2 vs $1.50
Outgoing wire$25 vs $23.50

Compare both states

State
	63	43%	$30	$30	$7	$18.5M	4.7%
	348	46%	$30	$30	$6.73	$2.5B	3.4%

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 Cleveland district; unemployment, income and branches cover the whole state. 148 Cleveland district institutions are in parts of other states and count only in the district totals.

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District 4'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 12.0% 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

$2.6BQ2 2026

+12.0% from Q2 2025

Credit unions: all fee income

$88.3MQ2 2026

+8.9% 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 59% of bank deposits in the district's two states

559 banks and credit unions, with 4,446 bank branches and 1,002 credit union branches.

U.S. Bank National Association15.7% · $110.2B across 230 branches
The Huntington National Bank14.0% · $98.6B across 352 branches
Fifth Third Bank, National Association11.1% · $77.9B across 314 branches
KeyBank National Association10.6% · $74.5B across 172 branches
JPMorgan Chase Bank, National Association8.1% · $56.8B across 275 branches
Every other bank40.6% · $285.5B

61% of the 241 banks hold $100M to $1B in assets

FDIC asset-size groups

51% of the 318 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%

“On balance, business activity in the Fourth District increased modestly in recent weeks, with slight growth expected in the months ahead.”

Federal Reserve Beige Book, Cleveland 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
Kentucky	4.7%	$64K
Ohio	3.4%	$71K

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.

District0.4
U.S.1.1

Too few matched institutions for a rate: Ohio (7).

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.

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From 250 Cleveland 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 the Ohio Valley

Overdraft and NSF medians are about the same as the national median. The wire transfer (domestic in) median is $5 above the national median.

of 559 banks and credit unions have verified fee schedules

250

fee medians sit within the national middle range

14 of 14

Fee

Banks

Credit unions

Difference

Overdraft (OD)

$32

$30

NSF / Returned Item

$32

$30

Monthly Maintenance

Non-Network ATM

Wire Transfer (Domestic Out)

$25

$20

Wire Transfer (Int'l Out)

$50

Same

Stop Payment

$30

$25

Cashier's Check

Debit Card Replacement

$7.75

$10

$2.25

Deposited Item Return

$10

$20

$10

Wire Transfer (Domestic In)

$15

$10

OD Protection Transfer

Same

Paper Statement

Minimum Balance

$6.50

$1.50

State

$30

348

$30

State

Unemployment

Median household income

Kentucky

4.7%

$64K

Ohio

3.4%

$71K