San Francisco Fed · District 12

Bank fees in Idaho

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

Overdraft and NSF medians are $1.50 and $3.50 below the national median.

institutions with published feesof 36 headquartered in Idaho: 16
medians fall within the national middle 50%: 11 of 12

Data refreshed Nov 2, 2026

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Local fee benchmarks

Boise's non-network ATM median is $2.50; Idaho's is $1.50.

Non-Network ATM median by market, institutions with a branch thereIdaho $1.50, 5 institutions

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

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

Boise
11 institutions
$2.50
Idaho
5 institutions
$1.50
San Francisco Fed district
196 institutions
$2
U.S.
1,651 institutions
$1.50

Who each median counts

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

Boise

Fee data available for 20 of 32 institutions

Compare Boise 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.

Idaho's banks and credit unions

16 of the 36 institutions headquartered in Idaho have published fees here, and 16 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.

Who serves Idaho

The five largest banks hold 54% of bank deposits in Idaho. 36 banks and credit unions are headquartered here; 394 bank branches and 261 credit union branches serve the state, wherever headquartered.

Wells Fargo Bank, National Association16.6% · $7.0B across 44 branches
U.S. Bank National Association16.4% · $6.8B across 51 branches
Glacier Bank7.4% · $3.1B across 34 branches
D. L. Evans Bank7.2% · $3.0B across 32 branches
Zions Bancorporation, N.A.6.8% · $2.8B across 25 branches
Every other bank45.6% · $19.0B

50% of the 10 banks hold $100M to $1B in assets

FDIC asset-size groups

35% of the 26 credit unions hold $100M to $500M in assets

NCUA asset-size groups

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

Fee income

Idaho bank service charges rose 12.2% 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

$2.1MQ2 2026

+12.2% from Q2 2025

Credit unions: all fee income

$36.6MQ2 2026

+13.0% 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 Idaho medians against the U.S., sent to you and updated as schedules are verified.

Idaho versus the San Francisco district

Higher in Idaho: wire transfer +⁠$5, overdraft +⁠$3.50, OD protection transfer +⁠$2 and 1 more. Lower in Idaho: deposited item return −⁠$13, debit card replacement −⁠$2, cashier's check −⁠$1 and 1 more. The other 4 fees are about the same.

Deposited Item Return
Idaho $7 (9 inst.) · District $20 (228 inst.)
−$13
Wire Transfer (Int'l Out)
Idaho $50 (11 inst.) · District $45 (214 inst.)
+$5
Overdraft (OD)
Idaho $28.50 (12 inst.) · District $25 (287 inst.)
+$3.50
Debit Card Replacement
Idaho $8 (13 inst.) · District $10 (306 inst.)
−$2
OD Protection Transfer
Idaho $5 (5 inst.) · District $3 (167 inst.)
+$2

Idaho median against the San Francisco district median, by fee
Fee	Idaho	District	Gap
Deposited Item Return	$79 inst.	$20228 inst.	−$13
Wire Transfer (Int'l Out)	$5011 inst.	$45214 inst.	+$5
Overdraft (OD)	$28.5012 inst.	$25287 inst.	+$3.50
Debit Card Replacement	$813 inst.	$10306 inst.	−$2
OD Protection Transfer	$55 inst.	$3167 inst.	+$2

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 Idaho 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.

Idaho versus the U.S.

0 of 12 Idaho medians sit above the U.S. median. Idaho medians count institutions headquartered in Idaho; U.S. medians count every institution in the index.

0 of 8fees priced above the national median

Overdraft (OD)

$28.50

Median of 12 Idaho institutions. U.S. $30.

Idaho institutionsNational middle range

Explore 12 additional Idaho fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Idaho 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

Idaho unemployment was 3.6% in September 2026, against 4.2% for the U.S.

Idaho

Unemployment rate, against the U.S.

IdahoU.S.

Sep 2021 to Sep 2026

Median household income in Idaho: $78K (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 Idaho.

See Hamilton plans Or ask for a demo

From 16 Idaho 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

Idaho

District

Lower in Idaho Higher in Idaho

Gap

Deposited Item Return

$79 inst.

$20228 inst.

−$13

Wire Transfer (Int'l Out)

$5011 inst.

$45214 inst.

+$5

Overdraft (OD)

$28.5012 inst.

$25287 inst.

+$3.50

Debit Card Replacement

$813 inst.

$10306 inst.

−$2

OD Protection Transfer

$55 inst.

$3167 inst.

+$2