San Francisco Fed · District 12

Bank fees in Hawaii

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

Overdraft and NSF medians are $5 below the national median.

institutions with published feesof 51 headquartered in Hawaii: 39
medians fall within the national middle 50%: 13 of 13

Data refreshed Nov 2, 2026

Get the free Hawaii report

Local fee benchmarks

Honolulu's wire transfer (domestic out) median is $30; Hawaii's is $25.

Wire Transfer (Domestic Out) median by market, institutions with a branch thereHawaii $25, 26 institutions

Hawaii's 8 largest markets by institutions with a branch there; marker size follows that count. Every Hawaii city on the map

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

Honolulu
16 institutions
$30
Hawaii
26 institutions
$25
San Francisco Fed district
314 institutions
$25
U.S.
2,630 institutions
$25

Who each median counts

Honolulu: With a branch in Honolulu, wherever headquartered
Hawaii: Headquartered in Hawaii
San Francisco Fed district: Headquartered in the San Francisco Fed district
U.S.: Every institution in the index

Honolulu

Fee data available for 26 of 35 institutions

Compare Honolulu 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.

Hawaii's banks and credit unions

39 of the 51 institutions headquartered in Hawaii have published fees here, and 39 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 4 of 4 fees, among institutions headquartered in Hawaii.

lower at credit unions: 4

4 fees with both a bank and a credit union median in Hawaii.

Lower at credit unions

Fee

Overdraft (OD)

Credit unions $5 lower in Hawaii.

$30

Banks

median of 5

$25

Credit unions

median of 19

Every fee, banks against credit unions

Bank and credit union medians in Hawaii; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$30	$25	$5
NSF / Returned Item	$30	$25	$5
Monthly Maintenance	$10	$4.24	$5.76
Stop Payment	$30	$20	$10

Fee medians by peer group

Institutions under $300M in assets in Hawaii

Matches the Hawaii median on all 4 fees.

Overdraft (OD)
Group median:
$25
of 9 institutions publishing
State median:
$25
of 24 institutions publishing
Difference: Within 1%
NSF / Returned Item
Group median:
$25
of 18 institutions publishing
State median:
$25
of 35 institutions publishing
Difference: Within 1%
Monthly Maintenance
Group median:
Too few to compare
of 6 institutions publishing
State median:
$5
of 15 institutions publishing
Difference: Not compared
Non-Network ATM
Group median:
$1
of 10 institutions publishing
State median:
$1
of 19 institutions publishing
Difference: Within 1%
Wire Transfer (Domestic Out)
Group median:
$25
of 15 institutions publishing
State median:
$25
of 26 institutions publishing
Difference: Within 1%

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

Show all 13

Wire Transfer (Int'l Out)
Group median:
Too few to compare
of 7 institutions publishing
State median:
$50
of 15 institutions publishing
Difference: Not compared
Stop Payment
Group median:
$20
of 20 institutions publishing
State median:
$25
of 37 institutions publishing
Difference: $5 below
Cashier's Check
Group median:
$3.50
of 14 institutions publishing
State median:
$5
of 26 institutions publishing
Difference: $1.50 below
Debit Card Replacement
Group median:
$10
of 16 institutions publishing
State median:
$10
of 31 institutions publishing
Difference: Within 1%
Wire Transfer (Domestic In)
Group median:
$5
of 10 institutions publishing
State median:
$5
of 19 institutions publishing
Difference: Within 1%
Deposited Item Return
Group median:
$15
of 13 institutions publishing
State median:
$15
of 19 institutions publishing
Difference: Within 1%
OD Protection Transfer
Group median:
Too few to compare
of 6 institutions publishing
State median:
$3
of 11 institutions publishing
Difference: Not compared
Minimum Balance
Group median:
Too few to compare
of 3 institutions publishing
State median:
$5
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 Hawaii median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in Hawaii 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 Hawaii

The five largest banks hold 95% of bank deposits in Hawaii. 51 banks and credit unions are headquartered here; 217 bank branches and 176 credit union branches serve the state, wherever headquartered.

Bank of Hawaii34.3% · $19.6B across 47 branches
First Hawaiian Bank31.2% · $17.8B across 45 branches
American Savings Bank, National Association14.4% · $8.2B across 35 branches
Central Pacific Bank11.7% · $6.7B across 27 branches
Bank of Hope3.6% · $2.0B across 29 branches
Every other bank4.8% · $2.7B

33% of the 6 banks hold $100M to $1B in assets

FDIC asset-size groups

38% of the 45 credit unions hold $10M to $100M in assets

NCUA asset-size groups

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

Fee income

Hawaii bank service charges rose 4.4% 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

$23.8MQ2 2026

+4.4% from Q2 2025

Credit unions: all fee income

$11.3MQ2 2026

+5.0% 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 Hawaii medians against the U.S., sent to you and updated as schedules are verified.

Hawaii versus the San Francisco district

Higher in Hawaii: wire transfer +⁠$5. Lower in Hawaii: wire transfer −⁠$5, deposited item return −⁠$5, monthly maintenance −⁠$1.99 and 1 more. The other 8 fees are about the same.

Wire Transfer (Int'l Out)
Hawaii $50 (15 inst.) · District $45 (214 inst.)
+$5
Wire Transfer (Domestic In)
Hawaii $5 (19 inst.) · District $10 (179 inst.)
−$5
Deposited Item Return
Hawaii $15 (19 inst.) · District $20 (228 inst.)
−$5
Monthly Maintenance
Hawaii $5 (15 inst.) · District $6.99 (248 inst.)
−$1.99
Non-Network ATM
Hawaii $1 (19 inst.) · District $2 (196 inst.)
−$1

Hawaii median against the San Francisco district median, by fee
Fee	Hawaii	District	Gap
Wire Transfer (Int'l Out)	$5015 inst.	$45214 inst.	+$5
Wire Transfer (Domestic In)	$519 inst.	$10179 inst.	−$5
Deposited Item Return	$1519 inst.	$20228 inst.	−$5
Monthly Maintenance	$515 inst.	$6.99248 inst.	−$1.99
Non-Network ATM	$119 inst.	$2196 inst.	−$1

What the Fed sees in the district

“Economic activity in the Twelfth District was broadly steady during the mid-August through September reporting period.”

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

Open the San Francisco district report

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

Hawaii versus the U.S.

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

Overdraft (OD)

$25

Median of 24 Hawaii institutions. U.S. $30.

Hawaii institutionsNational middle range

Explore 19 additional Hawaii fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Hawaii 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

Hawaii unemployment was 2.8% in September 2026, against 4.2% for the U.S.

Hawaii

Unemployment rate, against the U.S.

HawaiiU.S.

Sep 2021 to Sep 2026

Median household income in Hawaii: $100K (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 Hawaii data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

San Francisco district1.5
U.S.1.1

2 Hawaii 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 Hawaii.

See Hamilton plans Or ask for a demo

From 39 Hawaii 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)

$30

$25

NSF / Returned Item

$30

$25

Monthly Maintenance

$10

$4.24

$5.76

Stop Payment

$30

$20

$10

Fee

Hawaii

District

Lower in Hawaii Higher in Hawaii

Gap

Wire Transfer (Int'l Out)

$5015 inst.

$45214 inst.

+$5

Wire Transfer (Domestic In)

$519 inst.

$10179 inst.

−$5

Deposited Item Return

$1519 inst.

$20228 inst.

−$5

Monthly Maintenance

$515 inst.

$6.99248 inst.

−$1.99

Non-Network ATM

$119 inst.

$2196 inst.

−$1