Federal Reserve District 5
Fee benchmarks for 461 financial institutions across 6 states. This district has 5 fee categories below the national median and 16 above.
Institutions
461
With Fee Data
75
Banks
171
Credit Unions
290
31 fee categories with sufficient data.
| Fee Category | District Median | National Median | Delta | Banks | CUs |
|---|---|---|---|---|---|
| NSF / Returned Item | $30.00 | $25.00 | +20.0% | 6 | 6 |
| Debit Card Replacement | $15.00 | $7.50 | +100.0% | 5 | 6 |
| Paper Statement | $3.00 | $3.00 |
Data sourced from published fee schedules of FDIC-insured banks and NCUA-insured credit unions in Federal Reserve District 5 (Richmond). 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.
| - |
| 6 |
| 3 |
| Wire Transfer (Domestic Out) | $20.00 | $20.00 | - | 6 | 3 |
| Deposited Item Return | $20.00 | $15.00 | +33.3% | 7 | 1 |
| Stop Payment | $33.50 | $25.00 | +34.0% | 3 | 5 |
| Overdraft (OD) | $33.00 | $29.00 | +13.8% | 5 | 2 |
| OD Protection Transfer | $9.75 | $5.00 | +95.0% | 5 | 2 |
| Monthly Maintenance | $10.00 | $6.00 | +66.7% | 5 | 2 |
| Cashier's Check | $5.00 | $5.00 | - | 3 | 3 |
| Wire Transfer (Domestic In) | $12.50 | $10.00 | +25.0% | 5 | 0 |
| Wire Transfer (Int'l Out) | $45.00 | $45.00 | - | 3 | 2 |
| Non-Network ATM | $2.00 | $2.00 | - | 5 | 0 |
| Minimum Balance | $3.00 | $5.00 | -40.0% | 0 | 3 |
| Extended Categories | |||||
| Counter/Temporary Check | $2.25 | $2.00 | +12.5% | 2 | 12 |
| Rush Card Delivery | $45.00 | $35.00 | +28.6% | 4 | 10 |
| OD Daily Fee Cap | $150.00 | $150.00 | - | 6 | 7 |
| Account Research | $5.00 | $10.00 | -50.0% | 6 | 5 |
| Check Image/Copy | $5.00 | $2.50 | +100.0% | 5 | 3 |
| Garnishment/Levy | $75.00 | $50.00 | +50.0% | 4 | 3 |
| Dormant Account | $5.00 | $5.00 | - | 2 | 5 |
| Account Verification | $15.00 | $10.00 | +50.0% | 5 | 1 |
| Bill Pay | $14.98 | $8.00 | +87.3% | 4 | 2 |
| Gift Card Purchase | $3.00 | - | - | 1 | 5 |
| Early Account Closure | $12.50 | $20.00 | -37.5% | 3 | 2 |
| Money Order | $3.75 | $2.00 | +87.5% | 0 | 4 |
| Safe Deposit Box | $80.00 | $45.00 | +77.8% | 4 | 0 |
| NSF Daily Fee Cap | $120.00 | $120.00 | - | 2 | 2 |
| Mobile Deposit | $0.16 | $3.00 | -94.7% | 3 | 0 |
| Wire Transfer (Int'l In) | $15.00 | $20.00 | -25.0% | 3 | 0 |
| Check Cashing | $10.00 | $10.00 | - | 1 | 2 |
Data as of Aug 23, 2026 · 3,741 observations
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