Atlanta Fed · District 6

Bank fees in Alabama

Name: Alabama Bank and Credit Union Fees Compared
Creator: Fee Insight

Overdraft and NSF medians are about the same as the national median. The OD protection transfer median is $1.75 below the national median.

institutions with published feesof 181 headquartered in Alabama: 78
medians fall within the national middle 50%: 14 of 14

Data refreshed Nov 2, 2026

Get the free Alabama report

Local fee benchmarks

Birmingham's non-network ATM median is $1.50; Alabama's is $1.

Non-Network ATM median by market, institutions with a branch thereAlabama $1, 30 institutions

Alabama's 8 largest markets by institutions with a branch there; marker size follows that count. Every Alabama city on the map

Overdraft (OD)NSF / Returned Item Monthly Maintenance Non-Network ATM Stop Payment Wire Transfer (Domestic Out)Paper Statement Debit Card Replacement

Birmingham
23 institutions
$1.50
Alabama
30 institutions
$1
Atlanta Fed district
197 institutions
$1.50
U.S.
1,651 institutions
$1.50

Who each median counts

Birmingham: With a branch in Birmingham, wherever headquartered
Alabama: Headquartered in Alabama
Atlanta Fed district: Headquartered in the Atlanta Fed district
U.S.: Every institution in the index

Birmingham

Fee data available for 35 of 58 institutions

Compare Birmingham fees

Sources: Branches from the FDIC Summary of Deposits (banks) and NCUA (credit unions). One value per institution: its highest overdraft fee, the middle of its schedule for other fees. A median needs at least 5 institutions.

Alabama's banks and credit unions

78 of the 181 institutions headquartered in Alabama have published fees here, and 78 of them have fees that count toward the medians on this page. Figures here count those headquartered institutions, except branches and deposits, which count every institution serving the state.

Banks versus credit unions

Credit unions have lower medians on 9 of 13 fees, among institutions headquartered in Alabama.

lower at credit unions: 9
lower at banks: 3
about the same: 1

13 fees with both a bank and a credit union median in Alabama.

Lower at credit unions

Lower at banks

About the same

Fee

Overdraft (OD)

Credit unions $3 lower in Alabama.

$33

Banks

median of 20

$30

Credit unions

median of 36

Three fees with lower bank medians

Monthly Maintenance

$7.73

Banks

median of 24

$9.48

Credit unions

median of 16

Debit Card Replacement

$7.50

Banks

median of 14

$10

Credit unions

median of 42

Deposited Item Return

Banks

median of 15

$20

Credit unions

median of 26

Every fee, banks against credit unions

Bank and credit union medians in Alabama; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$33	$30	$3
NSF / Returned Item	$33	$30	$3
Monthly Maintenance	$7.73	$9.48	$1.75
Non-Network ATM	$2	$1	$1
Wire Transfer (Domestic Out)	$22.50	$17.50	$5
Wire Transfer (Int'l Out)	$50	$40	$10
Stop Payment	$32	$28	$4
Cashier's Check	$5	$3	$2
Debit Card Replacement	$7.50	$10	$2.50
Deposited Item Return	$6	$20	$14
Wire Transfer (Domestic In)	$12.50	$10	$2.50
OD Protection Transfer	$5	$3	$2
Paper Statement	$3	$3	Same

Fee medians by peer group

Institutions under $300M in assets in Alabama

Wire Transfer runs $2.50 below the Alabama median.

Overdraft (OD)
Group median:
$30
of 26 institutions publishing
State median:
$30
of 56 institutions publishing
Difference: Within 1%
NSF / Returned Item
Group median:
$30
of 30 institutions publishing
State median:
$30
of 58 institutions publishing
Difference: Within 1%
Monthly Maintenance
Group median:
$7.25
of 10 institutions publishing
State median:
$7.98
of 40 institutions publishing
Difference: $0.73 below
Non-Network ATM
Group median:
$1
of 14 institutions publishing
State median:
$1
of 30 institutions publishing
Difference: Within 1%
Wire Transfer (Domestic Out)
Group median:
$17.50
of 18 institutions publishing
State median:
$20
of 39 institutions publishing
Difference: $2.50 below

Difference: the group median against the Alabama median, up arrow above, down arrow below. Colour shows direction only: above or below the median is not good or bad.

Show all 14

Wire Transfer (Int'l Out)
Group median:
$42.50
of 10 institutions publishing
State median:
$47.50
of 30 institutions publishing
Difference: $5 below
Stop Payment
Group median:
$30
of 33 institutions publishing
State median:
$30
of 67 institutions publishing
Difference: Within 1%
Cashier's Check
Group median:
$4.25
of 24 institutions publishing
State median:
$4
of 53 institutions publishing
Difference: $0.25 above
Debit Card Replacement
Group median:
$10
of 29 institutions publishing
State median:
$10
of 56 institutions publishing
Difference: Within 1%
Deposited Item Return
Group median:
$17.50
of 22 institutions publishing
State median:
$15
of 41 institutions publishing
Difference: $2.50 above
Wire Transfer (Domestic In)
Group median:
$10
of 13 institutions publishing
State median:
$10
of 26 institutions publishing
Difference: Within 1%
OD Protection Transfer
Group median:
$2.50
of 10 institutions publishing
State median:
$3.25
of 26 institutions publishing
Difference: $0.75 below
Paper Statement
Group median:
Too few to compare
of 6 institutions publishing
State median:
$3
of 23 institutions publishing
Difference: Not compared
Minimum Balance
Group median:
Too few to compare
of 6 institutions publishing
State median:
$7.25
of 12 institutions publishing
Difference: Not compared

How groups are counted

Each institution counts once: its highest overdraft fee, the middle of its schedule for other fees.
Size bands come from FDIC and NCUA total assets, bank regulator from the FDIC registry and credit union charter from NCUA.
The Alabama median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in Alabama with verified fees, Bank Fee Index; size, regulator and charter from FDIC and NCUA records. A group median needs at least 8 institutions. Data as of Nov 2, 2026.

Who serves Alabama

The five largest banks hold 48% of bank deposits in Alabama. 181 banks and credit unions are headquartered here; 1,362 bank branches and 583 credit union branches serve the state, wherever headquartered.

Regions Bank21.3% · $30.7B across 184 branches
PNC Bank, National Association7.7% · $11.2B across 92 branches
Wells Fargo Bank, National Association6.8% · $9.8B across 73 branches
ServisFirst Bank6.6% · $9.5B across 13 branches
Pinnacle Bank5.7% · $8.2B across 37 branches
Every other bank51.9% · $74.9B

68% of the 93 banks hold $100M to $1B in assets

FDIC asset-size groups

39% of the 88 credit unions hold $10M to $100M in assets

NCUA asset-size groups

Source: Institutions headquartered in Alabama, 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, for branches in Alabama; credit union branches from NCUA. Leading banks count banks with 10 or more branches in the state.

Fee income

Alabama bank service charges rose 10.2% from Q2 2025 to Q2 2026. 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

$201.7MQ2 2026

+10.2% from Q2 2025

Credit unions: all fee income

$65.5MQ2 2026

+5.8% from Q2 2025

Source: Institutions headquartered in the state. 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.

Free report

Get the free Alabama fee report

The Alabama medians against the U.S., sent to you and updated as schedules are verified.

Alabama versus the Atlanta district

Higher in Alabama: monthly maintenance +⁠$0.98, minimum balance +⁠$0.25. Lower in Alabama: wire transfer −⁠$2.50, OD protection transfer −⁠$1.75, cashier's check −⁠$1 and 1 more. The other 8 fees are about the same.

Wire Transfer (Int'l Out)
Alabama $47.50 (30 inst.) · District $50 (179 inst.)
−$2.50
OD Protection Transfer
Alabama $3.25 (26 inst.) · District $5 (157 inst.)
−$1.75
Cashier's Check
Alabama $4 (53 inst.) · District $5 (315 inst.)
−$1
Monthly Maintenance
Alabama $7.98 (40 inst.) · District $7 (245 inst.)
+$0.98
Non-Network ATM
Alabama $1 (30 inst.) · District $1.50 (197 inst.)
−$0.50

Alabama median against the Atlanta district median, by fee
Fee	Alabama	District	Gap
Wire Transfer (Int'l Out)	$47.5030 inst.	$50179 inst.	−$2.50
OD Protection Transfer	$3.2526 inst.	$5157 inst.	−$1.75
Cashier's Check	$453 inst.	$5315 inst.	−$1
Monthly Maintenance	$7.9840 inst.	$7245 inst.	+$0.98
Non-Network ATM	$130 inst.	$1.50197 inst.	−$0.50

What the Fed sees in the district

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

Beige Book, Atlanta district, October 2026 Hamilton sets it beside an institution's own fees

Open the Atlanta district report

Source: Both medians count institutions by headquarters; the district takes in Alabama and the rest of the Federal Reserve's Atlanta district. Medians from each institution's own published schedule, one value per institution; a median needs at least 5. A gap under 1% reads as about the same. Federal Reserve Beige Book, Atlanta district.

Alabama versus the U.S.

3 of 14 Alabama medians sit above the U.S. median. Alabama medians count institutions headquartered in Alabama; U.S. medians count every institution in the index.

Overdraft (OD)

$30

Median of 56 Alabama institutions. U.S. $30.

Alabama institutionsNational middle range

Explore 24 additional Alabama fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Alabama 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.

National context

Alabama unemployment was 3.5% in September 2026, against 4.2% for the U.S.

Alabama

Unemployment rate, against the U.S.

AlabamaU.S.

Sep 2021 to Sep 2026

Median household income in Alabama: $64K (2024).

United States

Bank services prices, change over 12 months

Sep 2021 to Sep 2026

+1.0% in the 12 months to Sep 2026, nationally.

Source: BLS unemployment and the BLS CPI for checking accounts and other bank services; Census ACS 2024 median household income. The CPI is national; it has no state figure.

More Alabama data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

Atlanta district0.4
U.S.1.1

2 Alabama 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 an institution's own fees beside institutions its size in Alabama.

See Hamilton plans Or ask for a demo

From 78 Alabama 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. Methodology

Bank fees in Alabama

Overdraft and NSF medians are about the same as the national median. The OD protection transfer median is $1.75 below the national median.

institutions with published feesof 181 headquartered in Alabama

medians fall within the national middle 50%

14 of 14

Data refreshed Nov 2, 2026

Fee

Banks

Credit unions

Difference

Overdraft (OD)

$33

$30

NSF / Returned Item

$33

$30

Monthly Maintenance

$7.73

$9.48

$1.75

Non-Network ATM

Wire Transfer (Domestic Out)

$22.50

$17.50

Wire Transfer (Int'l Out)

$50

$40

$10

Stop Payment

$32

$28

Cashier's Check

Debit Card Replacement

$7.50

$10

$2.50

Deposited Item Return

$20

$14

Wire Transfer (Domestic In)

$12.50

$10

$2.50

OD Protection Transfer

Paper Statement

Same

Fee

Alabama

District

Lower in Alabama Higher in Alabama

Gap

Wire Transfer (Int'l Out)

$47.5030 inst.

$50179 inst.

−$2.50

OD Protection Transfer

$3.2526 inst.

$5157 inst.

−$1.75

Cashier's Check

$453 inst.

$5315 inst.

−$1

Monthly Maintenance

$7.9840 inst.

$7245 inst.

+$0.98

Non-Network ATM

$130 inst.

$1.50197 inst.

−$0.50