Richmond Fed · District 5

Bank fees in Washington DC

Name: Washington DC Bank and Credit Union Fees Compared
Creator: Fee Insight

Overdraft and NSF medians are $4 above the national median.

institutions with published feesof 32 headquartered in Washington DC: 19
medians fall within the national middle 50%: 7 of 11

Data refreshed Nov 2, 2026

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Local fee benchmarks

Washington's paper statement median is $3.25; Washington DC's is $2.

Paper Statement median by market, institutions with a branch thereWashington DC $2, 11 institutions

Washington DC's 2 largest markets by institutions with a branch there; marker size follows that count. Every Washington DC city on the map

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

Washington
24 institutions
$3.25
Washington DC
11 institutions
$2
Richmond Fed district
85 institutions
$3
U.S.
1,230 institutions
$3

Who each median counts

Washington: With a branch in Washington, wherever headquartered
Washington DC: Headquartered in Washington DC
Richmond Fed district: Headquartered in the Richmond Fed district
U.S.: Every institution in the index

Washington

Fee data available for 61 of 84 institutions

Compare Washington 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.

Washington DC's banks and credit unions

19 of the 32 institutions headquartered in Washington DC have published fees here, and 18 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 Washington DC

Overdraft runs $1 below the Washington DC median.

Overdraft (OD)
Group median:
$33
of 9 institutions publishing
State median:
$34
of 12 institutions publishing
Difference: $1 below
NSF / Returned Item
Group median:
$33
of 9 institutions publishing
State median:
$34
of 14 institutions publishing
Difference: $1 below
Non-Network ATM
Group median:
$1.50
of 9 institutions publishing
State median:
$1.50
of 13 institutions publishing
Difference: Within 1%
Wire Transfer (Domestic Out)
Group median:
$25
of 9 institutions publishing
State median:
$25
of 15 institutions publishing
Difference: Within 1%
Wire Transfer (Int'l Out)
Group median:
Too few to compare
of 7 institutions publishing
State median:
$45
of 12 institutions publishing
Difference: Not compared

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

Show all 11

Stop Payment
Group median:
$30
of 11 institutions publishing
State median:
$30
of 18 institutions publishing
Difference: Within 1%
Cashier's Check
Group median:
$5
of 8 institutions publishing
State median:
$5
of 14 institutions publishing
Difference: Within 1%
Debit Card Replacement
Group median:
$10
of 9 institutions publishing
State median:
$10
of 14 institutions publishing
Difference: Within 1%
Deposited Item Return
Group median:
$30.75
of 8 institutions publishing
State median:
$30
of 13 institutions publishing
Difference: $0.75 above
Paper Statement
Group median:
Too few to compare
of 7 institutions publishing
State median:
$2
of 11 institutions publishing
Difference: Not compared
Wire Transfer (Domestic In)
Group median:
Too few to compare
of 2 institutions publishing
State median:
$0
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 Washington DC median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in Washington DC 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 Washington DC

The five largest banks hold 74% of bank deposits in Washington DC. 32 banks and credit unions are headquartered here; 178 bank branches and 88 credit union branches serve the state, wherever headquartered.

Bank of America, National Association26.5% · $14.8B across 22 branches
Wells Fargo Bank, National Association19.1% · $10.7B across 23 branches
PNC Bank, National Association13.5% · $7.6B across 19 branches
Truist Bank8.0% · $4.5B across 18 branches
Citibank, National Association6.8% · $3.8B across 15 branches
Every other bank26.0% · $14.6B

75% of the 4 banks hold $100M to $1B in assets

FDIC asset-size groups

32% of the 28 credit unions hold under $10M in assets

NCUA asset-size groups

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

Fee income

Washington DC bank service charges rose 0.8% from Q1 2025 to Q1 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

$623KQ1 2026

+0.8% from Q1 2025

Credit unions: all fee income

$4.5MQ1 2026

+9.6% from Q1 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.

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

Washington DC versus the Richmond district

Higher in Washington DC: deposited item return +⁠$10, wire transfer +⁠$5, NSF / returned item +⁠$4 and 1 more. Lower in Washington DC: wire transfer −⁠$10, paper statement −⁠$1. The other 5 fees are about the same.

Deposited Item Return
Washington DC $30 (13 inst.) · District $20 (139 inst.)
+$10
Wire Transfer (Domestic In)
Washington DC $0 (6 inst.) · District $10 (123 inst.)
−$10
Wire Transfer (Domestic Out)
Washington DC $25 (15 inst.) · District $20 (201 inst.)
+$5
NSF / Returned Item
Washington DC $34 (14 inst.) · District $30 (208 inst.)
+$4
Overdraft (OD)
Washington DC $34 (12 inst.) · District $30.50 (186 inst.)
+$3.50

Washington DC median against the Richmond district median, by fee
Fee	Washington DC	District	Gap
Deposited Item Return	$3013 inst.	$20139 inst.	+$10
Wire Transfer (Domestic In)	$06 inst.	$10123 inst.	−$10
Wire Transfer (Domestic Out)	$2515 inst.	$20201 inst.	+$5
NSF / Returned Item	$3414 inst.	$30208 inst.	+$4
Overdraft (OD)	$3412 inst.	$30.50186 inst.	+$3.50

What the Fed sees in the district

“The Fifth District economy continued to grow at a moderate pace this cycle.”

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

Open the Richmond district report

Source: Both medians count institutions by headquarters; the district takes in Washington DC and the rest of the Federal Reserve's Richmond 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, Richmond district.

Washington DC versus the U.S.

4 of 11 Washington DC medians sit above the U.S. median. Washington DC medians count institutions headquartered in Washington DC; U.S. medians count every institution in the index.

Overdraft (OD)

$34

Median of 12 Washington DC institutions. U.S. $30.

Washington DC institutionsNational middle range

Explore 16 additional Washington DC fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Washington DC 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

Washington DC unemployment was 5.6% in September 2026, against 4.2% for the U.S.

Washington DC

Unemployment rate, against the U.S.

Washington DCU.S.

Sep 2021 to Sep 2026

Median household income in Washington DC: $110K (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 Washington DC.

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From 18 Washington DC 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

Washington DC

District

Lower in Washington DC Higher in Washington DC

Gap

Deposited Item Return

$3013 inst.

$20139 inst.

+$10

Wire Transfer (Domestic In)

$06 inst.

$10123 inst.

−$10

Wire Transfer (Domestic Out)

$2515 inst.

$20201 inst.

+$5

NSF / Returned Item

$3414 inst.

$30208 inst.

+$4

Overdraft (OD)

$3412 inst.

$30.50186 inst.

+$3.50