San Francisco Fed · District 12

Bank fees in Arizona

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

The NSF median is $2 above the national median; overdraft is about the same.

institutions with published feesof 45 headquartered in Arizona: 29
medians fall within the national middle 50%: 13 of 14

Data refreshed Nov 2, 2026

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Local fee benchmarks

Phoenix's debit card replacement median is $5; Arizona's is $10.

Debit Card Replacement median by market, institutions with a branch thereArizona $10, 20 institutions

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

Phoenix
22 institutions
$5
Arizona
20 institutions
$10
San Francisco Fed district
306 institutions
$10
U.S.
2,744 institutions
$10

Who each median counts

Phoenix: With a branch in Phoenix, wherever headquartered
Arizona: Headquartered in Arizona
San Francisco Fed district: Headquartered in the San Francisco Fed district
U.S.: Every institution in the index

Phoenix

Fee data available for 51 of 69 institutions

Compare Phoenix 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.

Arizona's banks and credit unions

29 of the 45 institutions headquartered in Arizona have published fees here, and 29 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.

Fee medians by peer group

Institutions under $300M in assets in Arizona

NSF / Returned Item runs $2 below the Arizona median.

Overdraft (OD)
Group median:
Too few to compare
of 7 institutions publishing
State median:
$30
of 19 institutions publishing
Difference: Not compared
NSF / Returned Item
Group median:
$30
of 9 institutions publishing
State median:
$32
of 21 institutions publishing
Difference: $2 below
Monthly Maintenance
Group median:
Too few to compare
of 7 institutions publishing
State median:
$7.36
of 20 institutions publishing
Difference: Not compared
Non-Network ATM
Group median:
Too few to compare
of 2 institutions publishing
State median:
$2
of 13 institutions publishing
Difference: Not compared
Wire Transfer (Domestic Out)
Group median:
$20
of 9 institutions publishing
State median:
$20
of 23 institutions publishing
Difference: Within 1%

Difference: the group median against the Arizona 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 4 institutions publishing
State median:
$40
of 15 institutions publishing
Difference: Not compared
Stop Payment
Group median:
$30
of 9 institutions publishing
State median:
$30
of 25 institutions publishing
Difference: Within 1%
Cashier's Check
Group median:
Too few to compare
of 6 institutions publishing
State median:
$5
of 21 institutions publishing
Difference: Not compared
Debit Card Replacement
Group median:
$10
of 10 institutions publishing
State median:
$10
of 20 institutions publishing
Difference: Within 1%
Deposited Item Return
Group median:
Too few to compare
of 6 institutions publishing
State median:
$27.50
of 17 institutions publishing
Difference: Not compared
Wire Transfer (Domestic In)
Group median:
Too few to compare
of 4 institutions publishing
State median:
$10
of 12 institutions publishing
Difference: Not compared
Paper Statement
Group median:
Too few to compare
of 2 institutions publishing
State median:
$2.50
of 10 institutions publishing
Difference: Not compared
OD Protection Transfer
Group median:
Too few to compare
of 2 institutions publishing
State median:
$3.75
of 8 institutions publishing
Difference: Not compared
Minimum Balance
Group median:
Too few to compare
of 3 institutions publishing
State median:
$7.50
of 6 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 Arizona median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in Arizona 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 Arizona

The five largest banks hold 60% of bank deposits in Arizona. 45 banks and credit unions are headquartered here; 958 bank branches and 341 credit union branches serve the state, wherever headquartered.

JPMorgan Chase Bank, National Association21.6% · $50.2B across 186 branches
Wells Fargo Bank, National Association17.0% · $39.4B across 153 branches
Bank of America, National Association15.3% · $35.5B across 104 branches
Zions Bancorporation, N.A.3.1% · $7.3B across 56 branches
PNC Bank, National Association2.8% · $6.4B across 75 branches
Every other bank40.1% · $93.0B

67% of the 12 banks hold $100M to $1B in assets

FDIC asset-size groups

30% of the 33 credit unions hold $10M to $100M in assets

NCUA asset-size groups

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

Fee income

Arizona bank service charges rose 3.6% 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

$45.0MQ2 2026

+3.6% from Q2 2025

Credit unions: all fee income

$42.3MQ2 2026

+8.1% 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

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

Arizona versus the San Francisco district

Higher in Arizona: deposited item return +⁠$7.50, NSF / returned item +⁠$7, overdraft +⁠$5 and 4 more. Lower in Arizona: wire transfer −⁠$5, wire transfer −⁠$5, paper statement −⁠$0.50. The other 4 fees are about the same.

Deposited Item Return
Arizona $27.50 (17 inst.) · District $20 (228 inst.)
+$7.50
NSF / Returned Item
Arizona $32 (21 inst.) · District $25 (339 inst.)
+$7
Overdraft (OD)
Arizona $30 (19 inst.) · District $25 (287 inst.)
+$5
Wire Transfer (Domestic Out)
Arizona $20 (23 inst.) · District $25 (314 inst.)
−$5
Wire Transfer (Int'l Out)
Arizona $40 (15 inst.) · District $45 (214 inst.)
−$5

Arizona median against the San Francisco district median, by fee
Fee	Arizona	District	Gap
Deposited Item Return	$27.5017 inst.	$20228 inst.	+$7.50
NSF / Returned Item	$3221 inst.	$25339 inst.	+$7
Overdraft (OD)	$3019 inst.	$25287 inst.	+$5
Wire Transfer (Domestic Out)	$2023 inst.	$25314 inst.	−$5
Wire Transfer (Int'l Out)	$4015 inst.	$45214 inst.	−$5

What the Fed sees in the district

“Economic activity in the Twelfth District was broadly steady during the mid-August through September reporting period.”

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

Open the San Francisco district report

Source: Both medians count institutions by headquarters; the district takes in Arizona and the rest of the Federal Reserve's San Francisco 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, San Francisco district.

Arizona versus the U.S.

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

Overdraft (OD)

$30

Median of 19 Arizona institutions. U.S. $30.

Arizona institutionsNational middle range

Explore 20 additional Arizona fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Arizona 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

Arizona unemployment was 4.9% in September 2026, against 4.2% for the U.S.

Arizona

Unemployment rate, against the U.S.

ArizonaU.S.

Sep 2021 to Sep 2026

Median household income in Arizona: $80K (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 Arizona data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

San Francisco district1.5
U.S.1.1

2 Arizona 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 Arizona.

See Hamilton plans Or ask for a demo

From 29 Arizona 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

Fee

Arizona

District

Lower in Arizona Higher in Arizona

Gap

Deposited Item Return

$27.5017 inst.

$20228 inst.

+$7.50

NSF / Returned Item

$3221 inst.

$25339 inst.

+$7

Overdraft (OD)

$3019 inst.

$25287 inst.

+$5

Wire Transfer (Domestic Out)

$2023 inst.

$25314 inst.

−$5

Wire Transfer (Int'l Out)

$4015 inst.

$45214 inst.

−$5