Chicago Fed · District 7

Bank fees in Illinois

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

Overdraft and NSF medians are about the same as the national median. The minimum balance median is $1.50 below the national median.

institutions with published feesof 510 headquartered in Illinois: 181
medians fall within the national middle 50%: 14 of 14

Data refreshed Nov 2, 2026

Get the free Illinois report

Local fee benchmarks

Chicago's monthly maintenance median is $5; Illinois's is $7.

Monthly Maintenance median by market, institutions with a branch thereIllinois $7, 64 institutions

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

Chicago
25 institutions
$5
Illinois
64 institutions
$7
Chicago Fed district
231 institutions
$6
U.S.
1,903 institutions
$7

Who each median counts

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

Chicago

Fee data available for 51 of 111 institutions

Compare Chicago 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.

Illinois's banks and credit unions

181 of the 510 institutions headquartered in Illinois have published fees here, and 181 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 11 of 14 fees, among institutions headquartered in Illinois.

lower at credit unions: 11
lower at banks: 1
about the same: 2

14 fees with both a bank and a credit union median in Illinois.

Lower at credit unions

Lower at banks

About the same

Fee

Overdraft (OD)

Credit unions $1 lower in Illinois.

$30

Banks

median of 62

$29

Credit unions

median of 42

One fee with a lower bank median

Deposited Item Return

$8.38

Banks

median of 36

$25

Credit unions

median of 32

Every fee, banks against credit unions

Bank and credit union medians in Illinois; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$30	$29	$1
NSF / Returned Item	$30	$28.25	$1.75
Monthly Maintenance	$7.49	$5	$2.49
Non-Network ATM	$1.75	$1	$0.75
Wire Transfer (Domestic Out)	$25.84	$25	$0.84
Wire Transfer (Int'l Out)	$50	$50	Same
Stop Payment	$30	$25.50	$4.50
Cashier's Check	$5	$4.50	$0.50
Debit Card Replacement	$10	$10	Same
Wire Transfer (Domestic In)	$12.50	$10	$2.50
Deposited Item Return	$8.38	$25	$16.62
OD Protection Transfer	$5	$3.50	$1.50
Paper Statement	$3	$2	$1
Minimum Balance	$6.25	$5	$1.25

Fee medians by peer group

Institutions under $300M in assets in Illinois

Non-Network ATM runs $0.25 below the Illinois median.

Overdraft (OD)
Group median:
$30
of 49 institutions publishing
State median:
$30
of 104 institutions publishing
Difference: Within 1%
NSF / Returned Item
Group median:
$30
of 54 institutions publishing
State median:
$30
of 102 institutions publishing
Difference: Within 1%
Monthly Maintenance
Group median:
$6
of 21 institutions publishing
State median:
$7
of 64 institutions publishing
Difference: $1 below
Non-Network ATM
Group median:
$1
of 26 institutions publishing
State median:
$1.25
of 59 institutions publishing
Difference: $0.25 below
Wire Transfer (Domestic Out)
Group median:
$25
of 49 institutions publishing
State median:
$25
of 113 institutions publishing
Difference: Within 1%

Difference: the group median against the Illinois 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 36 institutions publishing
State median:
$50
of 87 institutions publishing
Difference: Within 1%
Stop Payment
Group median:
$27.25
of 74 institutions publishing
State median:
$30
of 146 institutions publishing
Difference: $2.75 below
Cashier's Check
Group median:
$5
of 48 institutions publishing
State median:
$5
of 104 institutions publishing
Difference: Within 1%
Debit Card Replacement
Group median:
$10
of 62 institutions publishing
State median:
$10
of 121 institutions publishing
Difference: Within 1%
Wire Transfer (Domestic In)
Group median:
$10
of 37 institutions publishing
State median:
$10
of 85 institutions publishing
Difference: Within 1%
Deposited Item Return
Group median:
$20
of 40 institutions publishing
State median:
$15
of 68 institutions publishing
Difference: $5 above
OD Protection Transfer
Group median:
$5
of 30 institutions publishing
State median:
$5
of 61 institutions publishing
Difference: Within 1%
Paper Statement
Group median:
$2
of 16 institutions publishing
State median:
$3
of 51 institutions publishing
Difference: $1 below
Minimum Balance
Group median:
$6
of 11 institutions publishing
State median:
$5
of 21 institutions publishing
Difference: $1 above

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

Source: Institutions headquartered in Illinois 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 Illinois

The five largest banks hold 45% of bank deposits in Illinois. 510 banks and credit unions are headquartered here; 3,597 bank branches and 643 credit union branches serve the state, wherever headquartered.

JPMorgan Chase Bank, National Association17.5% · $128.8B across 264 branches
BMO Bank National Association14.5% · $106.9B across 179 branches
Bank of America, National Association5.7% · $41.7B across 121 branches
Fifth Third Bank, National Association3.6% · $26.8B across 161 branches
PNC Bank, National Association3.2% · $23.4B across 148 branches
Every other bank55.5% · $408.1B

65% of the 322 banks hold $100M to $1B in assets

FDIC asset-size groups

37% of the 188 credit unions hold $10M to $100M in assets

NCUA asset-size groups

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

Fee income

Illinois bank service charges rose 6.6% 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

$241.9MQ2 2026

+6.6% from Q2 2025

Credit unions: all fee income

$61.5MQ2 2026

+11.3% 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

Get the free Illinois fee report

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

Illinois versus the Chicago district

Higher in Illinois: deposited item return +⁠$5, monthly maintenance +⁠$1, stop payment +⁠$1. Lower in Illinois: minimum balance −⁠$1, non-network ATM −⁠$0.25. The other 9 fees are about the same.

Deposited Item Return
Illinois $15 (68 inst.) · District $10 (239 inst.)
+$5
Monthly Maintenance
Illinois $7 (64 inst.) · District $6 (231 inst.)
+$1
Stop Payment
Illinois $30 (146 inst.) · District $29 (464 inst.)
+$1
Minimum Balance
Illinois $5 (21 inst.) · District $6 (80 inst.)
−$1
Non-Network ATM
Illinois $1.25 (59 inst.) · District $1.50 (209 inst.)
−$0.25

Illinois median against the Chicago district median, by fee
Fee	Illinois	District	Gap
Deposited Item Return	$1568 inst.	$10239 inst.	+$5
Monthly Maintenance	$764 inst.	$6231 inst.	+$1
Stop Payment	$30146 inst.	$29464 inst.	+$1
Minimum Balance	$521 inst.	$680 inst.	−$1
Non-Network ATM	$1.2559 inst.	$1.50209 inst.	−$0.25

What the Fed sees in the district

“Economic activity in the Seventh District was flat on balance in late August and September, and contacts expected a slight pace of increase in the coming year.”

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

Open the Chicago district report

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

Illinois versus the U.S.

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

Overdraft (OD)

$30

Median of 104 Illinois institutions. U.S. $30.

Illinois institutionsNational middle range

Explore 32 additional Illinois fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Illinois 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

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

Illinois

Unemployment rate, against the U.S.

IllinoisU.S.

Sep 2021 to Sep 2026

Median household income in Illinois: $83K (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 Illinois data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

U.S.1.1

4 Illinois 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 Illinois.

See Hamilton plans Or ask for a demo

From 181 Illinois 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 Illinois

Overdraft and NSF medians are about the same as the national median. The minimum balance median is $1.50 below the national median.

institutions with published feesof 510 headquartered in Illinois

181

medians fall within the national middle 50%

14 of 14

Data refreshed Nov 2, 2026

Fee

Banks

Credit unions

Difference

Overdraft (OD)

$30

$29

NSF / Returned Item

$30

$28.25

$1.75

Monthly Maintenance

$7.49

$2.49

Non-Network ATM

$1.75

$0.75

Wire Transfer (Domestic Out)

$25.84

$25

$0.84

Wire Transfer (Int'l Out)

$50

Same

Stop Payment

$30

$25.50

$4.50

Cashier's Check

$4.50

$0.50

Debit Card Replacement

$10

Same

Wire Transfer (Domestic In)

$12.50

$10

$2.50

Deposited Item Return

$8.38

$25

$16.62

OD Protection Transfer

$3.50

$1.50

Paper Statement

Minimum Balance

$6.25

$1.25

Fee

Illinois

District

Lower in Illinois Higher in Illinois

Gap

Deposited Item Return

$1568 inst.

$10239 inst.

+$5

Monthly Maintenance

$764 inst.

$6231 inst.

+$1

Stop Payment

$30146 inst.

$29464 inst.

+$1

Minimum Balance

$521 inst.

$680 inst.

−$1

Non-Network ATM

$1.2559 inst.

$1.50209 inst.

−$0.25