Atlanta Fed · District 6

Bank fees in Florida

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

Overdraft and NSF medians are about the same as the national median. The out-of-network ATM median is $0.50 above the national median.

institutions with published feesof 188 headquartered in Florida: 113
medians fall within the national middle 50%: 14 of 14

Data refreshed Nov 2, 2026

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Local fee benchmarks

Tampa's debit card replacement median is $5.95; Florida's is $10.

Debit Card Replacement median by market, institutions with a branch thereFlorida $10, 73 institutions

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

Tampa
33 institutions
$5.95
Florida
73 institutions
$10
Atlanta Fed district
304 institutions
$10
U.S.
2,744 institutions
$10

Who each median counts

Tampa: With a branch in Tampa, wherever headquartered
Florida: Headquartered in Florida
Atlanta Fed district: Headquartered in the Atlanta Fed district
U.S.: Every institution in the index

Tampa

Fee data available for 57 of 78 institutions

Compare Tampa 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.

Florida's banks and credit unions

113 of the 188 institutions headquartered in Florida have published fees here, and 109 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 10 of 13 fees, among institutions headquartered in Florida.

lower at credit unions: 10
lower at banks: 2
about the same: 1

13 fees with both a bank and a credit union median in Florida.

Lower at credit unions

Lower at banks

About the same

Fee

Overdraft (OD)

Credit unions $5 lower in Florida.

$35

Banks

median of 19

$30

Credit unions

median of 52

Two fees with lower bank medians

Debit Card Replacement

Banks

median of 23

$10

Credit unions

median of 50

Deposited Item Return

$11

Banks

median of 25

$25

Credit unions

median of 37

Every fee, banks against credit unions

Bank and credit union medians in Florida; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$35	$30	$5
NSF / Returned Item	$34	$30	$4
Monthly Maintenance	$8.95	$6.95	$2
Non-Network ATM	$2.25	$2	$0.25
Wire Transfer (Domestic Out)	$25	$25	Same
Wire Transfer (Int'l Out)	$50	$45	$5
Stop Payment	$32	$30	$2
Cashier's Check	$10	$5	$5
Debit Card Replacement	$7	$10	$3
Deposited Item Return	$11	$25	$14
Wire Transfer (Domestic In)	$15	$10	$5
OD Protection Transfer	$5	$4	$1
Paper Statement	$3.50	$3	$0.50

Fee medians by peer group

Institutions under $300M in assets in Florida

Non-Network ATM runs $0.75 below the Florida median.

Overdraft (OD)
Group median:
$31.75
of 26 institutions publishing
State median:
$30
of 71 institutions publishing
Difference: $1.75 above
NSF / Returned Item
Group median:
$30.75
of 36 institutions publishing
State median:
$30
of 80 institutions publishing
Difference: $0.75 above
Monthly Maintenance
Group median:
$7.50
of 19 institutions publishing
State median:
$7.50
of 58 institutions publishing
Difference: Within 1%
Non-Network ATM
Group median:
$1.25
of 20 institutions publishing
State median:
$2
of 62 institutions publishing
Difference: $0.75 below
Wire Transfer (Domestic Out)
Group median:
$25
of 31 institutions publishing
State median:
$25
of 75 institutions publishing
Difference: Within 1%

Difference: the group median against the Florida 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:
$47.50
of 12 institutions publishing
State median:
$50
of 42 institutions publishing
Difference: $2.50 below
Stop Payment
Group median:
$30
of 33 institutions publishing
State median:
$30
of 92 institutions publishing
Difference: Within 1%
Cashier's Check
Group median:
$4
of 31 institutions publishing
State median:
$5
of 82 institutions publishing
Difference: $1 below
Debit Card Replacement
Group median:
$10
of 32 institutions publishing
State median:
$10
of 73 institutions publishing
Difference: Within 1%
Deposited Item Return
Group median:
$25
of 21 institutions publishing
State median:
$19.75
of 62 institutions publishing
Difference: $5.25 above
Wire Transfer (Domestic In)
Group median:
$10
of 26 institutions publishing
State median:
$10
of 62 institutions publishing
Difference: Within 1%
OD Protection Transfer
Group median:
$5
of 17 institutions publishing
State median:
$5
of 45 institutions publishing
Difference: Within 1%
Paper Statement
Group median:
$3
of 20 institutions publishing
State median:
$3
of 42 institutions publishing
Difference: Within 1%
Minimum Balance
Group median:
$5
of 9 institutions publishing
State median:
$8.50
of 15 institutions publishing
Difference: $3.50 below

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 Florida median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in Florida 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 Florida

The five largest banks hold 51% of bank deposits in Florida. 188 banks and credit unions are headquartered here; 4,283 bank branches and 1,178 credit union branches serve the state, wherever headquartered.

Bank of America, National Association19.4% · $170.3B across 414 branches
Wells Fargo Bank, National Association10.3% · $90.6B across 458 branches
JPMorgan Chase Bank, National Association9.0% · $79.0B across 431 branches
Truist Bank8.5% · $74.5B across 441 branches
EverBank, National Association3.8% · $33.5B across 12 branches
Every other bank48.9% · $428.5B

54% of the 81 banks hold $100M to $1B in assets

FDIC asset-size groups

34% of the 107 credit unions hold $100M to $500M in assets

NCUA asset-size groups

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

Fee income

Florida bank service charges rose 8.3% 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

$74.9MQ2 2026

+8.3% from Q2 2025

Credit unions: all fee income

$154.8MQ2 2026

+7.9% 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 Florida medians against the U.S., sent to you and updated as schedules are verified.

Florida versus the Atlanta district

Higher in Florida: wire transfer +⁠$5, deposited item return +⁠$4.75, minimum balance +⁠$1.50 and 2 more. The other 9 fees are about the same.

Wire Transfer (Domestic Out)
Florida $25 (75 inst.) · District $20 (268 inst.)
+$5
Deposited Item Return
Florida $19.75 (62 inst.) · District $15 (227 inst.)
+$4.75
Minimum Balance
Florida $8.50 (15 inst.) · District $7 (60 inst.)
+$1.50
Monthly Maintenance
Florida $7.50 (58 inst.) · District $7 (244 inst.)
+$0.50
Non-Network ATM
Florida $2 (62 inst.) · District $1.50 (197 inst.)
+$0.50

Florida median against the Atlanta district median, by fee
Fee	Florida	District	Gap
Wire Transfer (Domestic Out)	$2575 inst.	$20268 inst.	+$5
Deposited Item Return	$19.7562 inst.	$15227 inst.	+$4.75
Minimum Balance	$8.5015 inst.	$760 inst.	+$1.50
Monthly Maintenance	$7.5058 inst.	$7244 inst.	+$0.50
Non-Network ATM	$262 inst.	$1.50197 inst.	+$0.50

What the Fed sees in the district

“The economy of the Sixth District grew modestly over the reporting period.”

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

Open the Atlanta district report

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

Florida versus the U.S.

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

Overdraft (OD)

$30

Median of 71 Florida institutions. U.S. $30.

Florida institutionsNational middle range

Explore 30 additional Florida fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Florida 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

Florida unemployment was 4.4% in September 2026, against 4.2% for the U.S.

Florida

Unemployment rate, against the U.S.

FloridaU.S.

Sep 2021 to Sep 2026

Median household income in Florida: $75K (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 Florida data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

Atlanta district0.4
U.S.1.1

4 Florida 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 Florida.

See Hamilton plans Or ask for a demo

From 109 Florida 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 Florida

Overdraft and NSF medians are about the same as the national median. The out-of-network ATM median is $0.50 above the national median.

institutions with published feesof 188 headquartered in Florida

113

medians fall within the national middle 50%

14 of 14

Data refreshed Nov 2, 2026

Fee

Banks

Credit unions

Difference

Overdraft (OD)

$35

$30

NSF / Returned Item

$34

$30

Monthly Maintenance

$8.95

$6.95

Non-Network ATM

$2.25

$0.25

Wire Transfer (Domestic Out)

$25

Same

Wire Transfer (Int'l Out)

$50

$45

Stop Payment

$32

$30

Cashier's Check

$10

Debit Card Replacement

$10

Deposited Item Return

$11

$25

$14

Wire Transfer (Domestic In)

$15

$10

OD Protection Transfer

Paper Statement

$3.50

$0.50

Fee

Florida

District

Lower in Florida Higher in Florida

Gap

Wire Transfer (Domestic Out)

$2575 inst.

$20268 inst.

+$5

Deposited Item Return

$19.7562 inst.

$15227 inst.

+$4.75

Minimum Balance

$8.5015 inst.

$760 inst.

+$1.50

Monthly Maintenance

$7.5058 inst.

$7244 inst.

+$0.50

Non-Network ATM

$262 inst.

$1.50197 inst.

+$0.50