Minneapolis Fed · District 9

Bank fees in the Upper Midwest

Overdraft and NSF medians are about the same as the national median. The deposited item return median is $5 below the national median.

of 644 banks and credit unions have verified fee schedules: 246
fee medians sit within the national middle range: 14 of 14

Data refreshed Nov 2, 2026Get the free district report

Against the U.S.

1 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%).
Stop payment: $25 median, versus $27.50 nationally ($2.50 lower, 9%).

Overdraft (OD)

$30

Median of 152 Minneapolis district institutions. U.S. $30.

Minneapolis district institutionsNational middle range

Dormant Account146 institutionsIn Hamilton
Garnishment/Levy141 institutionsIn Hamilton
Document Reproduction128 institutionsIn Hamilton
Check Image/Copy115 institutionsIn Hamilton
Money Order107 institutionsIn Hamilton

Plus 29 more Minneapolis district fees. See them in Hamilton

Method: Findings rank only fees with at least 10 Minneapolis 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 4 of 14 fees

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

lower at credit unions: 4
lower at banks: 2
about the same: 8

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

Lower at credit unions

Lower at banks

About the same

Fee

NSF / Returned Item

Credit unions $2 lower in the Minneapolis district.

$30

Banks

median of 66

$28

Credit unions

median of 93

Two fees with lower bank medians

Non-Network ATM

$1.50

Banks

median of 33

Credit unions

median of 40

Deposited Item Return

Banks

median of 53

$15

Credit unions

median of 58

Every fee, banks against credit unions

Bank and credit union medians in the Minneapolis district; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$30	$30	Same
NSF / Returned Item	$30	$28	$2
Monthly Maintenance	$6.95	$5	$1.95
Non-Network ATM	$1.50	$2	$0.50
Wire Transfer (Domestic Out)	$25	$25	Same
Wire Transfer (Int'l Out)	$50	$50	Same
Stop Payment	$25	$25	Same
Cashier's Check	$5	$3.50	$1.50
Debit Card Replacement	$10	$10	Same
Deposited Item Return	$5	$15	$10
Wire Transfer (Domestic In)	$15	$10	$5
Paper Statement	$3	$3	Same
OD Protection Transfer	$5	$5	Same
Minimum Balance	$5	$5	Same

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.

Minneapolis district median, $30

Minnesota

Minnesota fee report →

Banks 221 · Credit unions 80: 301
With verified fees: 37%
Bank deposit service charges, latest quarter: $17.7M
Credit union fee income, latest quarter: $31.2M
Branches: 2,019
Unemployment, Sep 2026: 4.5%
Median household income: $89K

Minnesota median Minneapolis district

Overdraft$30 vs $30
NSF$28.50 vs $30
Maintenance$6.88 vs $6.63
Out-of-network ATM$1.75 vs $1.75
Outgoing wire$25 vs $25

Compare all four states


301	37%	$30	$28.50	$6.88	$17.7M	4.5%
76	45%	$30	$27.50	$5	$25.0M	3.1%
89	29%	$30	$30	$4.99	$17.9M	2.2%
89	38%	$30	$30	$7.50	$1.6B	2.0%

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 Minneapolis district; unemployment, income and branches cover the whole state. 89 Minneapolis district institutions are in parts of other states and count only in the district totals.

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District 9'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 7.6% 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

$1.7BQ2 2026

+7.6% from Q2 2025

Credit unions: all fee income

$69.0MQ2 2026

−1.2% 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 four states

644 banks and credit unions, with 2,791 bank branches and 826 credit union branches.

Wells Fargo Bank, National Association33.9% · $527.7B across 186 branches
U.S. Bank National Association7.3% · $113.2B across 147 branches
Old National Bank0.9% · $13.9B across 91 branches
Bell Bank0.7% · $10.2B across 28 branches
First Interstate Bank0.6% · $9.5B across 90 branches
Every other bank56.7% · $881.4B

65% of the 425 banks hold $100M to $1B in assets

FDIC asset-size groups

37% of the 219 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 Ninth District increased slightly since the previous report.”

Federal Reserve Beige Book, Minneapolis 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
Minnesota	4.5%	$89K
Montana	3.1%	$73K
North Dakota	2.2%	$77K
South Dakota	2.0%	$75K

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.

U.S.1.1

5 district institutions are matched to CFPB records, under the 10 a rate needs.

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 246 Minneapolis 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 Upper Midwest

Overdraft and NSF medians are about the same as the national median. The deposited item return median is $5 below the national median.

of 644 banks and credit unions have verified fee schedules

246

fee medians sit within the national middle range

14 of 14

Fee

Banks

Credit unions

Difference

Overdraft (OD)

$30

Same

NSF / Returned Item

$30

$28

Monthly Maintenance

$6.95

$1.95

Non-Network ATM

$1.50

$0.50

Wire Transfer (Domestic Out)

$25

Same

Wire Transfer (Int'l Out)

$50

Same

Stop Payment

$25

Same

Cashier's Check

$3.50

$1.50

Debit Card Replacement

$10

Same

Deposited Item Return

$15

$10

Wire Transfer (Domestic In)

$15

$10

Paper Statement

Same

OD Protection Transfer

Same

Minimum Balance

Same

State

301

$30

State

Unemployment

Median household income

Minnesota

4.5%

$89K

Montana

3.1%

$73K

North Dakota

2.2%

$77K

South Dakota

2.0%

$75K