Kansas City Fed · District 10

Bank fees in Colorado

Name: Colorado 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 $2.50 below the national median.

institutions with published feesof 125 headquartered in Colorado: 68
medians fall within the national middle 50%: 14 of 14

Data refreshed Nov 3, 2026

Get the free Colorado report

Local fee benchmarks

Denver's debit card replacement median is $6; Colorado's is $10.

Debit Card Replacement median by market, institutions with a branch thereColorado $10, 40 institutions

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

Denver
25 institutions
$6
Colorado
40 institutions
$10
Kansas City Fed district
259 institutions
$10
U.S.
2,745 institutions
$10

Who each median counts

Denver: With a branch in Denver, wherever headquartered
Colorado: Headquartered in Colorado
Kansas City Fed district: Headquartered in the Kansas City Fed district
U.S.: Every institution in the index

Denver

Fee data available for 50 of 61 institutions

Compare Denver 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.

Colorado's banks and credit unions

68 of the 125 institutions headquartered in Colorado have published fees here, and 68 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 5 of 12 fees, among institutions headquartered in Colorado.

lower at credit unions: 5
lower at banks: 4
about the same: 3

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

Lower at credit unions

Lower at banks

About the same

Fee

Monthly Maintenance

Credit unions $0.75 lower in Colorado.

$8.25

Banks

median of 12

$7.50

Credit unions

median of 16

Four fees with lower bank medians

NSF / Returned Item

$25

Banks

median of 13

$30

Credit unions

median of 41

Wire Transfer (Domestic Out)

$22.50

Banks

median of 14

$25

Credit unions

median of 38

Stop Payment

$25

Banks

median of 18

$28

Credit unions

median of 41

Deposited Item Return

$9.50

Banks

median of 8

$20

Credit unions

median of 29

Every fee, banks against credit unions

Bank and credit union medians in Colorado; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$30	$30	Same
NSF / Returned Item	$25	$30	$5
Monthly Maintenance	$8.25	$7.50	$0.75
Non-Network ATM	$2	$1.50	$0.50
Wire Transfer (Domestic Out)	$22.50	$25	$2.50
Wire Transfer (Int'l Out)	$50	$42.50	$7.50
Stop Payment	$25	$28	$3
Cashier's Check	$5	$4.25	$0.75
Debit Card Replacement	$10	$10	Same
Deposited Item Return	$9.50	$20	$10.50
Wire Transfer (Domestic In)	$10	$6	$4
Paper Statement	$3	$3	Same

Fee medians by peer group

Institutions under $300M in assets in Colorado

Non-Network ATM runs $0.50 below the Colorado median.

Overdraft (OD)
Group median:
$30
of 25 institutions publishing
State median:
$30
of 52 institutions publishing
Difference: Within 1%
NSF / Returned Item
Group median:
$30
of 33 institutions publishing
State median:
$30
of 54 institutions publishing
Difference: Within 1%
Monthly Maintenance
Group median:
$7.50
of 11 institutions publishing
State median:
$7.99
of 28 institutions publishing
Difference: $0.49 below
Non-Network ATM
Group median:
$1.50
of 11 institutions publishing
State median:
$2
of 27 institutions publishing
Difference: $0.50 below
Wire Transfer (Domestic Out)
Group median:
$25
of 28 institutions publishing
State median:
$25
of 52 institutions publishing
Difference: Within 1%

Difference: the group median against the Colorado 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:
$40
of 16 institutions publishing
State median:
$45
of 35 institutions publishing
Difference: $5 below
Stop Payment
Group median:
$26
of 32 institutions publishing
State median:
$27
of 59 institutions publishing
Difference: $1 below
Cashier's Check
Group median:
$3.50
of 25 institutions publishing
State median:
$5
of 48 institutions publishing
Difference: $1.50 below
Debit Card Replacement
Group median:
$13.50
of 20 institutions publishing
State median:
$10
of 40 institutions publishing
Difference: $3.50 above
Deposited Item Return
Group median:
$17.50
of 21 institutions publishing
State median:
$15
of 37 institutions publishing
Difference: $2.50 above
Wire Transfer (Domestic In)
Group median:
$5.50
of 16 institutions publishing
State median:
$10
of 29 institutions publishing
Difference: $4.50 below
Paper Statement
Group median:
$3
of 8 institutions publishing
State median:
$3
of 19 institutions publishing
Difference: Within 1%
OD Protection Transfer
Group median:
$2
of 8 institutions publishing
State median:
$2.50
of 13 institutions publishing
Difference: $0.50 below
Minimum Balance
Group median:
Too few to compare
of 4 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 Colorado median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in Colorado 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 3, 2026.

Who serves Colorado

The five largest banks hold 56% of bank deposits in Colorado. 125 banks and credit unions are headquartered here; 1,363 bank branches and 391 credit union branches serve the state, wherever headquartered.

Wells Fargo Bank, National Association18.5% · $34.2B across 117 branches
JPMorgan Chase Bank, National Association12.8% · $23.8B across 107 branches
PNC Bank, National Association11.3% · $20.9B across 121 branches
U.S. Bank National Association10.6% · $19.6B across 102 branches
Alpine Bank3.2% · $5.9B across 44 branches
Every other bank43.6% · $80.9B

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

FDIC asset-size groups

42% of the 62 credit unions hold $100M to $500M in assets

NCUA asset-size groups

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

Fee income

Colorado bank service charges fell 41.4% 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

$16.6MQ2 2026

−41.4% from Q2 2025

Credit unions: all fee income

$42.2MQ2 2026

+37.4% 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 Colorado fee report

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

Colorado versus the Kansas City district

Higher in Colorado: wire transfer +⁠$5, deposited item return +⁠$5, minimum balance +⁠$2.75 and 5 more. Lower in Colorado: wire transfer −⁠$5, OD protection transfer −⁠$2.50. The other 4 fees are about the same.

Wire Transfer (Domestic Out)
Colorado $25 (52 inst.) · District $20 (251 inst.)
+$5
Wire Transfer (Int'l Out)
Colorado $45 (35 inst.) · District $50 (169 inst.)
−$5
Deposited Item Return
Colorado $15 (37 inst.) · District $10 (197 inst.)
+$5
Minimum Balance
Colorado $10 (9 inst.) · District $7.25 (50 inst.)
+$2.75
OD Protection Transfer
Colorado $2.50 (13 inst.) · District $5 (77 inst.)
−$2.50

Colorado median against the Kansas City district median, by fee
Fee	Colorado	District	Gap
Wire Transfer (Domestic Out)	$2552 inst.	$20251 inst.	+$5
Wire Transfer (Int'l Out)	$4535 inst.	$50169 inst.	−$5
Deposited Item Return	$1537 inst.	$10197 inst.	+$5
Minimum Balance	$109 inst.	$7.2550 inst.	+$2.75
OD Protection Transfer	$2.5013 inst.	$577 inst.	−$2.50

What the Fed sees in the district

“Business activity in the Tenth District continued to hold steady in a pattern of subdued conditions punctuated by pockets of strong demand.”

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

Open the Kansas City district report

Source: Both medians count institutions by headquarters; the district takes in Colorado and the rest of the Federal Reserve's Kansas City 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, Kansas City district.

Colorado versus the U.S.

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

Overdraft (OD)

$30

Median of 52 Colorado institutions. U.S. $30.

Colorado institutionsNational middle range

Explore 30 additional Colorado fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Colorado 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

Colorado unemployment was 4.1% in September 2026, against 4.2% for the U.S.

Colorado

Unemployment rate, against the U.S.

ColoradoU.S.

Sep 2021 to Sep 2026

Median household income in Colorado: $95K (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.

Where does your institution sit?

Hamilton, the Fee Insight workspace, sets an institution's own fees beside institutions its size in Colorado.

See Hamilton plans Or ask for a demo

From 68 Colorado banks and credit unions' own published fee schedules, one value per institution; a median needs at least 5 institutions. Data as of Nov 3, 2026. Methodology

Bank fees in Colorado

Overdraft and NSF medians are about the same as the national median. The OD protection transfer median is $2.50 below the national median.

institutions with published feesof 125 headquartered in Colorado

medians fall within the national middle 50%

14 of 14

Data refreshed Nov 3, 2026

Fee

Banks

Credit unions

Difference

Overdraft (OD)

$30

Same

NSF / Returned Item

$25

$30

Monthly Maintenance

$8.25

$7.50

$0.75

Non-Network ATM

$1.50

$0.50

Wire Transfer (Domestic Out)

$22.50

$25

$2.50

Wire Transfer (Int'l Out)

$50

$42.50

$7.50

Stop Payment

$25

$28

Cashier's Check

$4.25

$0.75

Debit Card Replacement

$10

Same

Deposited Item Return

$9.50

$20

$10.50

Wire Transfer (Domestic In)

$10

Paper Statement

Same

Fee

Colorado

District

Lower in Colorado Higher in Colorado

Gap

Wire Transfer (Domestic Out)

$2552 inst.

$20251 inst.

+$5

Wire Transfer (Int'l Out)

$4535 inst.

$50169 inst.

−$5

Deposited Item Return

$1537 inst.

$10197 inst.

+$5

Minimum Balance

$109 inst.

$7.2550 inst.

+$2.75

OD Protection Transfer

$2.5013 inst.

$577 inst.

−$2.50