Philadelphia Fed · District 3

Bank fees in Delaware

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

The cashier's check median is $1.25 above the national median.

institutions with published feesof 30 headquartered in Delaware: 17
medians fall within the national middle 50%: 12 of 13

Data refreshed Nov 2, 2026

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Local fee benchmarks

Wilmington's monthly maintenance median is $13.48; Delaware's is $8.75.

Monthly Maintenance median by market, institutions with a branch thereDelaware $8.75, 6 institutions

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

Wilmington
14 institutions
$13.48
Delaware
6 institutions
$8.75
Philadelphia Fed district
68 institutions
$6.38
U.S.
1,903 institutions
$7

Who each median counts

Wilmington: With a branch in Wilmington, wherever headquartered
Delaware: Headquartered in Delaware
Philadelphia Fed district: Headquartered in the Philadelphia Fed district
U.S.: Every institution in the index

Wilmington

Fee data available for 22 of 29 institutions

Compare Wilmington 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.

Delaware's banks and credit unions

17 of the 30 institutions headquartered in Delaware have published fees here, and 17 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 3 fees, among institutions headquartered in Delaware.

lower at credit unions: 3

3 fees with both a bank and a credit union median in Delaware.

Lower at credit unions

Fee

Overdraft (OD)

Credit unions $10 lower in Delaware.

$35

Banks

median of 5

$25

Credit unions

median of 5

Every fee, banks against credit unions

Bank and credit union medians in Delaware; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$35	$25	$10
Stop Payment	$30	$22.50	$7.50
Cashier's Check	$8	$5	$3

Who serves Delaware

The five largest banks hold 17% of bank deposits in Delaware. 30 banks and credit unions are headquartered here; 246 bank branches and 63 credit union branches serve the state, wherever headquartered.

TD Bank, National Association10.7% · $59.4B across 12 branches
Manufacturers and Traders Trust Company2.8% · $15.6B across 36 branches
Wilmington Savings Fund Society, FSB1.7% · $9.6B across 30 branches
PNC Bank, National Association1.0% · $5.8B across 34 branches
Wells Fargo Bank, National Association0.5% · $2.6B across 14 branches
Every other bank83.3% · $463.2B

53% of the 15 banks hold $100M to $1B in assets

FDIC asset-size groups

47% of the 15 credit unions hold $10M to $100M in assets

NCUA asset-size groups

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

Fee income

Delaware bank service charges rose 4.2% 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

$780.4MQ2 2026

+4.2% from Q2 2025

Credit unions: all fee income

$4.8MQ2 2026

+4.2% 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.

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

Delaware versus the Philadelphia district

Higher in Delaware: monthly maintenance +⁠$2.37, wire transfer +⁠$1, non-network ATM +⁠$0.50. Lower in Delaware: NSF / returned item −⁠$5, overdraft −⁠$4.50, cashier's check −⁠$0.75. The other 7 fees are about the same.

NSF / Returned Item
Delaware $25 (9 inst.) · District $30 (123 inst.)
−$5
Overdraft (OD)
Delaware $27.50 (10 inst.) · District $32 (103 inst.)
−$4.50
Monthly Maintenance
Delaware $8.75 (6 inst.) · District $6.38 (68 inst.)
+$2.37
Wire Transfer (Domestic In)
Delaware $14 (6 inst.) · District $13 (67 inst.)
+$1
Cashier's Check
Delaware $6.25 (12 inst.) · District $7 (104 inst.)
−$0.75

Delaware median against the Philadelphia district median, by fee
Fee	Delaware	District	Gap
NSF / Returned Item	$259 inst.	$30123 inst.	−$5
Overdraft (OD)	$27.5010 inst.	$32103 inst.	−$4.50
Monthly Maintenance	$8.756 inst.	$6.3868 inst.	+$2.37
Wire Transfer (Domestic In)	$146 inst.	$1367 inst.	+$1
Cashier's Check	$6.2512 inst.	$7104 inst.	−$0.75

What the Fed sees in the district

“Economic activity in the Third District grew slightly, after picking up to a modest pace of growth last period.”

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

Open the Philadelphia district report

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

Delaware versus the U.S.

5 of 13 Delaware medians sit above the U.S. median. Delaware medians count institutions headquartered in Delaware; U.S. medians count every institution in the index.

Overdraft (OD)

$27.50

Median of 10 Delaware institutions. U.S. $30.

Delaware institutionsNational middle range

Explore 7 additional Delaware fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Delaware 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

Delaware unemployment was 4.6% in September 2026, against 4.2% for the U.S.

Delaware

Unemployment rate, against the U.S.

DelawareU.S.

Sep 2021 to Sep 2026

Median household income in Delaware: $85K (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 Delaware data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

Philadelphia district0.7
U.S.1.1

6 Delaware 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 Delaware.

See Hamilton plans Or ask for a demo

From 17 Delaware 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

Banks

Credit unions

Difference

Overdraft (OD)

$35

$25

$10

Stop Payment

$30

$22.50

$7.50

Cashier's Check

Fee

Delaware

District

Lower in Delaware Higher in Delaware

Gap

NSF / Returned Item

$259 inst.

$30123 inst.

−$5

Overdraft (OD)

$27.5010 inst.

$32103 inst.

−$4.50

Monthly Maintenance

$8.756 inst.

$6.3868 inst.

+$2.37

Wire Transfer (Domestic In)

$146 inst.

$1367 inst.

+$1

Cashier's Check

$6.2512 inst.

$7104 inst.

−$0.75