St. Louis Fed · District 8

Bank fees in Arkansas

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

Overdraft and NSF medians are about the same as the national median. The deposited item return median is $7.50 above the national median.

institutions with published feesof 124 headquartered in Arkansas: 66
medians fall within the national middle 50%: 13 of 14

Data refreshed Nov 2, 2026

Get the free Arkansas report

Local fee benchmarks

Little Rock's debit card replacement median is $5; Arkansas's is $10.

Debit Card Replacement median by market, institutions with a branch thereArkansas $10, 36 institutions

Arkansas's 8 largest markets by institutions with a branch there; marker size follows that count. Every Arkansas 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

Little Rock
19 institutions
$5
Arkansas
36 institutions
$10
St. Louis Fed district
177 institutions
$10
U.S.
2,744 institutions
$10

Who each median counts

Little Rock: With a branch in Little Rock, wherever headquartered
Arkansas: Headquartered in Arkansas
St. Louis Fed district: Headquartered in the St. Louis Fed district
U.S.: Every institution in the index

Little Rock

Fee data available for 32 of 50 institutions

Compare Little Rock 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.

Arkansas's banks and credit unions

66 of the 124 institutions headquartered in Arkansas have published fees here, and 66 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 3 of 12 fees, among institutions headquartered in Arkansas.

lower at credit unions: 3
lower at banks: 3
about the same: 6

12 fees with both a bank and a credit union median in Arkansas.

Lower at credit unions

Lower at banks

About the same

Fee

Overdraft (OD)

Credit unions $0.75 lower in Arkansas.

$30.75

Banks

median of 29

$30

Credit unions

median of 13

Three fees with lower bank medians

Debit Card Replacement

$7.50

Banks

median of 15

$10

Credit unions

median of 21

Deposited Item Return

Banks

median of 7

$28

Credit unions

median of 15

OD Protection Transfer

Banks

median of 7

$8.75

Credit unions

median of 10

Every fee, banks against credit unions

Bank and credit union medians in Arkansas; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$30.75	$30	$0.75
NSF / Returned Item	$30	$30	Same
Monthly Maintenance	$7.50	$3	$4.50
Non-Network ATM	$1	$1	Same
Wire Transfer (Domestic Out)	$25	$20	$5
Stop Payment	$30	$30	Same
Cashier's Check	$5	$5	Same
Debit Card Replacement	$7.50	$10	$2.50
Wire Transfer (Domestic In)	$10	$10	Same
Paper Statement	$3	$3	Same
Deposited Item Return	$5	$28	$23
OD Protection Transfer	$5	$8.75	$3.75

Fee medians by peer group

Institutions under $300M in assets in Arkansas

Monthly Maintenance runs $2 below the Arkansas median.

Overdraft (OD)
Group median:
$30
of 21 institutions publishing
State median:
$30
of 42 institutions publishing
Difference: Within 1%
NSF / Returned Item
Group median:
$30
of 29 institutions publishing
State median:
$30
of 47 institutions publishing
Difference: Within 1%
Monthly Maintenance
Group median:
$5
of 10 institutions publishing
State median:
$7
of 30 institutions publishing
Difference: $2 below
Non-Network ATM
Group median:
$1
of 10 institutions publishing
State median:
$1
of 19 institutions publishing
Difference: Within 1%
Wire Transfer (Domestic Out)
Group median:
$20
of 22 institutions publishing
State median:
$20
of 34 institutions publishing
Difference: Within 1%

Difference: the group median against the Arkansas 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:
Too few to compare
of 5 institutions publishing
State median:
$50
of 16 institutions publishing
Difference: Not compared
Stop Payment
Group median:
$30
of 27 institutions publishing
State median:
$30
of 40 institutions publishing
Difference: Within 1%
Cashier's Check
Group median:
$5
of 19 institutions publishing
State median:
$5
of 32 institutions publishing
Difference: Within 1%
Debit Card Replacement
Group median:
$10
of 24 institutions publishing
State median:
$10
of 36 institutions publishing
Difference: Within 1%
Wire Transfer (Domestic In)
Group median:
$10
of 23 institutions publishing
State median:
$10
of 35 institutions publishing
Difference: Within 1%
Paper Statement
Group median:
$3
of 13 institutions publishing
State median:
$3
of 28 institutions publishing
Difference: Within 1%
Deposited Item Return
Group median:
$25
of 18 institutions publishing
State median:
$22.50
of 22 institutions publishing
Difference: $2.50 above
OD Protection Transfer
Group median:
$7.50
of 11 institutions publishing
State median:
$7.50
of 17 institutions publishing
Difference: Within 1%
Minimum Balance
Group median:
Too few to compare
of 5 institutions publishing
State median:
$10
of 9 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 Arkansas median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in Arkansas 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 Arkansas

The five largest banks hold 43% of bank deposits in Arkansas. 124 banks and credit unions are headquartered here; 1,296 bank branches and 153 credit union branches serve the state, wherever headquartered.

Arvest Bank13.3% · $14.4B across 98 branches
Bank OZK10.7% · $11.6B across 77 branches
Simmons Bank7.4% · $8.1B across 68 branches
First Security Bank6.3% · $6.8B across 79 branches
Bank of America, National Association5.7% · $6.2B across 16 branches
Every other bank56.6% · $61.3B

63% of the 78 banks hold $100M to $1B in assets

FDIC asset-size groups

54% of the 46 credit unions hold $10M to $100M in assets

NCUA asset-size groups

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

Fee income

Arkansas bank service charges rose 2.0% 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

$89.9MQ2 2026

+2.0% from Q2 2025

Credit unions: all fee income

$9.6MQ2 2026

+14.3% 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 Arkansas fee report

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

Arkansas versus the St. Louis district

Higher in Arkansas: deposited item return +⁠$12.50, OD protection transfer +⁠$2.50, minimum balance +⁠$2. Lower in Arkansas: non-network ATM −⁠$0.50. The other 10 fees are about the same.

Deposited Item Return
Arkansas $22.50 (22 inst.) · District $10 (117 inst.)
+$12.50
OD Protection Transfer
Arkansas $7.50 (17 inst.) · District $5 (73 inst.)
+$2.50
Minimum Balance
Arkansas $10 (9 inst.) · District $8 (43 inst.)
+$2
Non-Network ATM
Arkansas $1 (19 inst.) · District $1.50 (120 inst.)
−$0.50
Overdraft (OD)
Arkansas $30 (42 inst.) · District $30 (184 inst.)
Same

Arkansas median against the St. Louis district median, by fee
Fee	Arkansas	District	Gap
Deposited Item Return	$22.5022 inst.	$10117 inst.	+$12.50
OD Protection Transfer	$7.5017 inst.	$573 inst.	+$2.50
Minimum Balance	$109 inst.	$843 inst.	+$2
Non-Network ATM	$119 inst.	$1.50120 inst.	−$0.50
Overdraft (OD)	$3042 inst.	$30184 inst.	Same

What the Fed sees in the district

“Economic activity in the Eighth District has modestly increased since our previous report.”

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

Open the St. Louis district report

Source: Both medians count institutions by headquarters; the district takes in Arkansas and the rest of the Federal Reserve's St. Louis 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, St. Louis district.

Arkansas versus the U.S.

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

Overdraft (OD)

$30

Median of 42 Arkansas institutions. U.S. $30.

Arkansas institutionsNational middle range

Explore 25 additional Arkansas fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Arkansas 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

Arkansas unemployment was 3.9% in September 2026, against 4.2% for the U.S.

Arkansas

Unemployment rate, against the U.S.

ArkansasU.S.

Sep 2021 to Sep 2026

Median household income in Arkansas: $61K (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 Arkansas data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

St. Louis district0.2
U.S.1.1

4 Arkansas 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 Arkansas.

See Hamilton plans Or ask for a demo

From 66 Arkansas 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 Arkansas

Overdraft and NSF medians are about the same as the national median. The deposited item return median is $7.50 above the national median.

institutions with published feesof 124 headquartered in Arkansas

medians fall within the national middle 50%

13 of 14

Data refreshed Nov 2, 2026

Fee

Banks

Credit unions

Difference

Overdraft (OD)

$30.75

$30

$0.75

NSF / Returned Item

$30

Same

Monthly Maintenance

$7.50

$4.50

Non-Network ATM

Same

Wire Transfer (Domestic Out)

$25

$20

Stop Payment

$30

Same

Cashier's Check

Same

Debit Card Replacement

$7.50

$10

$2.50

Wire Transfer (Domestic In)

$10

Same

Paper Statement

Same

Deposited Item Return

$28

$23

OD Protection Transfer

$8.75

$3.75

Fee

Arkansas

District

Lower in Arkansas Higher in Arkansas

Gap

Deposited Item Return

$22.5022 inst.

$10117 inst.

+$12.50

OD Protection Transfer

$7.5017 inst.

$573 inst.

+$2.50

Minimum Balance

$109 inst.

$843 inst.

+$2

Non-Network ATM

$119 inst.

$1.50120 inst.

−$0.50

Overdraft (OD)

$3042 inst.

$30184 inst.

Same