Atlanta Fed · District 6

Bank fees in the Southeast

Overdraft and NSF medians are about the same as the national median. The outgoing wire median is $5 below the national median.

of 992 banks and credit unions have verified fee schedules: 458
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.

Stop payment: $30 median, versus $27.50 nationally ($2.50 higher, 9%).

Overdraft (OD)

$30

Median of 313 Atlanta district institutions. U.S. $30.

Atlanta district institutionsNational middle range

Dormant Account313 institutionsIn Hamilton
Document Reproduction255 institutionsIn Hamilton
Garnishment/Levy252 institutionsIn Hamilton
Check Image/Copy226 institutionsIn Hamilton
Early Account Closure203 institutionsIn Hamilton

Plus 30 more Atlanta district fees. See them in Hamilton

Method: Findings rank only fees with at least 10 Atlanta 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 11 of 14 fees

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

lower at credit unions: 11
lower at banks: 2
about the same: 1

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

Lower at credit unions

Lower at banks

About the same

Fee

Overdraft (OD)

Credit unions $4 lower in the Atlanta district.

$34

Banks

median of 121

$30

Credit unions

median of 192

Two fees with lower bank medians

Debit Card Replacement

Banks

median of 97

$10

Credit unions

median of 207

Deposited Item Return

$8.50

Banks

median of 78

$20

Credit unions

median of 148

Every fee, banks against credit unions

Bank and credit union medians in the Atlanta district; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$34	$30	$4
NSF / Returned Item	$33	$30	$3
Monthly Maintenance	$8	$6.50	$1.50
Non-Network ATM	$2	$1.25	$0.75
Wire Transfer (Domestic Out)	$25	$20	$5
Wire Transfer (Int'l Out)	$50	$45	$5
Stop Payment	$32	$30	$2
Cashier's Check	$6	$5	$1
Debit Card Replacement	$6	$10	$4
Deposited Item Return	$8.50	$20	$11.50
Wire Transfer (Domestic In)	$15	$10	$5
OD Protection Transfer	$5	$5	Same
Paper Statement	$3.25	$3	$0.25
Minimum Balance	$7	$6.50	$0.50

State by state

Overdraft medians run from $30 in Alabama to $35 in Mississippi

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

Atlanta district median, $30

Georgia

Georgia fee report →

Banks 123 · Credit unions 71: 194
With verified fees: 36%
Bank deposit service charges, latest quarter: $40.8M
Credit union fee income, latest quarter: $52.3M
Branches: 2,555
Unemployment, Sep 2026: 3.3%
Median household income: $77K

Georgia median Atlanta district

Overdraft$32 vs $30
NSF$32 vs $30
Maintenance$6.73 vs $7
Out-of-network ATM$1 vs $1.50
Outgoing wire$20 vs $20

Compare all six states


181	43%	$30	$30	$7.98	$201.7M	3.5%
188	58%	$30	$30	$7.50	$74.9M	4.4%
194	36%	$32	$32	$6.73	$40.8M	3.3%
180	44%	$30	$29.50	$8	$18.6M	4.0%
79	54%	$35	$35	$6.73	$52.1M	3.3%
170	46%	$31	$30.25	$6	$66.5M	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 Atlanta district; unemployment, income and branches cover the whole state.

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Fee income

Bank service charges rose 15.3% 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

$454.6MQ2 2026

+15.3% from Q2 2025

Credit unions: all fee income

$377.8MQ2 2026

+6.9% 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 43% of bank deposits in the district's six states

992 banks and credit unions, with 11,983 bank branches and 3,483 credit union branches.

Bank of America, National Association13.5% · $250.2B across 597 branches
Truist Bank8.9% · $165.1B across 792 branches
Wells Fargo Bank, National Association8.0% · $149.5B across 742 branches
JPMorgan Chase Bank, National Association6.4% · $118.4B across 716 branches
Regions Bank5.8% · $107.7B across 939 branches
Every other bank57.5% · $1.1T

69% of the 474 banks hold $100M to $1B in assets

FDIC asset-size groups

40% of the 516 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%

“The economy of the Sixth District grew modestly over the reporting period.”

Federal Reserve Beige Book, Atlanta 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
Alabama	3.5%	$64K
Florida	4.4%	$75K
Georgia	3.3%	$77K
Louisiana	4.0%	$61K
Mississippi	3.3%	$56K
Tennessee	3.4%	$70K

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: Alabama (2), Florida (4), Georgia (2), Mississippi (2), Tennessee (2).

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 458 Atlanta 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)

$34

$30

NSF / Returned Item

$33

$30

Monthly Maintenance

$6.50

$1.50

Non-Network ATM

$1.25

$0.75

Wire Transfer (Domestic Out)

$25

$20

Wire Transfer (Int'l Out)

$50

$45

Stop Payment

$32

$30

Cashier's Check

Debit Card Replacement

$10

Deposited Item Return

$8.50

$20

$11.50

Wire Transfer (Domestic In)

$15

$10

OD Protection Transfer

Same

Paper Statement

$3.25

$0.25

Minimum Balance

$6.50

$0.50

State

181

$30

188

$30

194

$32

180

$30

$35

170

$31

State

Unemployment

Median household income

Alabama

3.5%

$64K

Florida

4.4%

$75K

Georgia

3.3%

$77K

Louisiana

4.0%

$61K

Mississippi

3.3%

$56K

Tennessee

3.4%

$70K