Atlanta Fed · District 6

Bank fees in Georgia

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

Overdraft and NSF medians are $2 above the national median.

institutions with published feesof 195 headquartered in Georgia: 70
medians fall within the national middle 50%: 14 of 14

Data refreshed Nov 3, 2026

Get the free Georgia report

Local fee benchmarks

Atlanta's non-network ATM median is $2.50; Georgia's is $1.

Non-Network ATM median by market, institutions with a branch thereGeorgia $1, 26 institutions

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

Atlanta
27 institutions
$2.50
Georgia
26 institutions
$1
Atlanta Fed district
198 institutions
$1.50
U.S.
1,650 institutions
$1.50

Who each median counts

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

Atlanta

Fee data available for 49 of 59 institutions

Compare Atlanta 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.

Georgia's banks and credit unions

70 of the 195 institutions headquartered in Georgia have published fees here, and 70 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 6 of 13 fees, among institutions headquartered in Georgia.

lower at credit unions: 6
lower at banks: 3
about the same: 4

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

Lower at credit unions

Lower at banks

About the same

Fee

NSF / Returned Item

Credit unions $1 lower in Georgia.

$32

Banks

median of 23

$31

Credit unions

median of 30

Three fees with lower bank medians

Debit Card Replacement

$5.50

Banks

median of 20

$10

Credit unions

median of 28

Deposited Item Return

Banks

median of 11

$19.25

Credit unions

median of 24

OD Protection Transfer

Banks

median of 8

Credit unions

median of 15

Every fee, banks against credit unions

Bank and credit union medians in Georgia; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$32	$32	Same
NSF / Returned Item	$32	$31	$1
Monthly Maintenance	$7.25	$5.85	$1.40
Non-Network ATM	$1.50	$1	$0.50
Wire Transfer (Domestic Out)	$25	$20	$5
Wire Transfer (Int'l Out)	$50	$50	Same
Stop Payment	$30	$30	Same
Cashier's Check	$5	$5	Same
Debit Card Replacement	$5.50	$10	$4.50
Deposited Item Return	$6	$19.25	$13.25
Wire Transfer (Domestic In)	$15	$10	$5
OD Protection Transfer	$4	$5	$1
Paper Statement	$5	$3	$2

Fee medians by peer group

Institutions under $300M in assets in Georgia

Wire Transfer runs $2.50 above the Georgia median.

Overdraft (OD)
Group median:
$32
of 25 institutions publishing
State median:
$32
of 50 institutions publishing
Difference: Within 1%
NSF / Returned Item
Group median:
$32
of 30 institutions publishing
State median:
$32
of 53 institutions publishing
Difference: Within 1%
Monthly Maintenance
Group median:
$5.98
of 18 institutions publishing
State median:
$6.73
of 40 institutions publishing
Difference: $0.75 below
Non-Network ATM
Group median:
$1
of 9 institutions publishing
State median:
$1
of 26 institutions publishing
Difference: Within 1%
Wire Transfer (Domestic Out)
Group median:
$22.50
of 20 institutions publishing
State median:
$20
of 43 institutions publishing
Difference: $2.50 above

Difference: the group median against the Georgia 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:
$50
of 11 institutions publishing
State median:
$50
of 32 institutions publishing
Difference: Within 1%
Stop Payment
Group median:
$30
of 32 institutions publishing
State median:
$30
of 61 institutions publishing
Difference: Within 1%
Cashier's Check
Group median:
$5
of 19 institutions publishing
State median:
$5
of 48 institutions publishing
Difference: Within 1%
Debit Card Replacement
Group median:
$10
of 26 institutions publishing
State median:
$8.73
of 48 institutions publishing
Difference: $1.27 above
Deposited Item Return
Group median:
$16.25
of 18 institutions publishing
State median:
$15
of 35 institutions publishing
Difference: $1.25 above
Wire Transfer (Domestic In)
Group median:
$10
of 13 institutions publishing
State median:
$10
of 34 institutions publishing
Difference: Within 1%
OD Protection Transfer
Group median:
$5
of 11 institutions publishing
State median:
$5
of 23 institutions publishing
Difference: Within 1%
Paper Statement
Group median:
$2.50
of 8 institutions publishing
State median:
$3.25
of 20 institutions publishing
Difference: $0.75 below
Minimum Balance
Group median:
Too few to compare
of 4 institutions publishing
State median:
$5
of 11 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 Georgia median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in Georgia 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 Georgia

The five largest banks hold 59% of bank deposits in Georgia. 195 banks and credit unions are headquartered here; 2,044 bank branches and 511 credit union branches serve the state, wherever headquartered.

Truist Bank18.8% · $68.7B across 203 branches
Bank of America, National Association15.3% · $55.9B across 130 branches
Wells Fargo Bank, National Association12.6% · $46.0B across 179 branches
Pinnacle Bank8.2% · $29.9B across 102 branches
Ameris Bank4.3% · $15.6B across 102 branches
Every other bank40.9% · $149.8B

79% of the 123 banks hold $100M to $1B in assets

FDIC asset-size groups

32% of the 71 credit unions hold $10M to $100M in assets

NCUA asset-size groups

Source: Institutions headquartered in Georgia, 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. The size charts leave out 1 institution with no assets on file. Bank deposits from the FDIC Summary of Deposits, 2026, for branches in Georgia; credit union branches from NCUA. Leading banks count banks with 10 or more branches in the state.

Fee income

Georgia bank service charges rose 6.1% 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

$40.8MQ2 2026

+6.1% from Q2 2025

Credit unions: all fee income

$52.3MQ2 2026

+3.7% 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 Georgia medians against the U.S., sent to you and updated as schedules are verified.

Georgia versus the Atlanta district

Higher in Georgia: overdraft +⁠$2, NSF / returned item +⁠$2, paper statement +⁠$0.25. Lower in Georgia: minimum balance −⁠$2, debit card replacement −⁠$1.27, non-network ATM −⁠$0.50 and 1 more. The other 7 fees are about the same.

Overdraft (OD)
Georgia $32 (50 inst.) · District $30 (314 inst.)
+$2
NSF / Returned Item
Georgia $32 (53 inst.) · District $30 (336 inst.)
+$2
Minimum Balance
Georgia $5 (11 inst.) · District $7 (60 inst.)
−$2
Debit Card Replacement
Georgia $8.73 (48 inst.) · District $10 (304 inst.)
−$1.27
Non-Network ATM
Georgia $1 (26 inst.) · District $1.50 (198 inst.)
−$0.50

Georgia median against the Atlanta district median, by fee
Fee	Georgia	District	Gap
Overdraft (OD)	$3250 inst.	$30314 inst.	+$2
NSF / Returned Item	$3253 inst.	$30336 inst.	+$2
Minimum Balance	$511 inst.	$760 inst.	−$2
Debit Card Replacement	$8.7348 inst.	$10304 inst.	−$1.27
Non-Network ATM	$126 inst.	$1.50198 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 Georgia 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.

Georgia versus the U.S.

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

Overdraft (OD)

$32

Median of 50 Georgia institutions. U.S. $30.

Georgia institutionsNational middle range

Explore 25 additional Georgia fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Georgia 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

Georgia unemployment was 3.3% in September 2026, against 4.2% for the U.S.

Georgia

Unemployment rate, against the U.S.

GeorgiaU.S.

Sep 2021 to Sep 2026

Median household income in Georgia: $77K (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 Georgia data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

Atlanta district0.4
U.S.1.1

2 Georgia 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 Georgia.

See Hamilton plans Or ask for a demo

From 70 Georgia 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

Fee

Banks

Credit unions

Difference

Overdraft (OD)

$32

Same

NSF / Returned Item

$32

$31

Monthly Maintenance

$7.25

$5.85

$1.40

Non-Network ATM

$1.50

$0.50

Wire Transfer (Domestic Out)

$25

$20

Wire Transfer (Int'l Out)

$50

Same

Stop Payment

$30

Same

Cashier's Check

Same

Debit Card Replacement

$5.50

$10

$4.50

Deposited Item Return

$19.25

$13.25

Wire Transfer (Domestic In)

$15

$10

OD Protection Transfer

Paper Statement

Fee

Georgia

District

Lower in Georgia Higher in Georgia

Gap

Overdraft (OD)

$3250 inst.

$30314 inst.

+$2

NSF / Returned Item

$3253 inst.

$30336 inst.

+$2

Minimum Balance

$511 inst.

$760 inst.

−$2

Debit Card Replacement

$8.7348 inst.

$10304 inst.

−$1.27

Non-Network ATM

$126 inst.

$1.50198 inst.

−$0.50