Chicago Fed · District 7

Bank fees in Indiana

Name: Indiana 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 208 headquartered in Indiana: 97
medians fall within the national middle 50%: 14 of 14

Data refreshed Nov 2, 2026

Get the free Indiana report

Local fee benchmarks

Indianapolis's non-network ATM median is $2.50; Indiana's is $2.

Non-Network ATM median by market, institutions with a branch thereIndiana $2, 47 institutions

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

Indianapolis
22 institutions
$2.50
Indiana
47 institutions
$2
Chicago Fed district
209 institutions
$1.50
U.S.
1,651 institutions
$1.50

Who each median counts

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

Indianapolis

Fee data available for 31 of 52 institutions

Compare Indianapolis 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.

Indiana's banks and credit unions

97 of the 208 institutions headquartered in Indiana have published fees here, and 97 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 7 of 13 fees, among institutions headquartered in Indiana.

lower at credit unions: 7
lower at banks: 1
about the same: 5

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

Lower at credit unions

Lower at banks

About the same

Fee

Monthly Maintenance

Credit unions $1.49 lower in Indiana.

$6.99

Banks

median of 24

$5.50

Credit unions

median of 21

One fee with a lower bank median

Deposited Item Return

$10

Banks

median of 12

$20

Credit unions

median of 24

Every fee, banks against credit unions

Bank and credit union medians in Indiana; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$30	$30	Same
NSF / Returned Item	$30	$30	Same
Monthly Maintenance	$6.99	$5.50	$1.49
Non-Network ATM	$2.13	$1.50	$0.63
Wire Transfer (Domestic Out)	$25	$20	$5
Wire Transfer (Int'l Out)	$50	$50	Same
Stop Payment	$30	$30	Same
Cashier's Check	$5	$3	$2
Debit Card Replacement	$10	$10	Same
Wire Transfer (Domestic In)	$15	$10	$5
OD Protection Transfer	$8	$4	$4
Deposited Item Return	$10	$20	$10
Paper Statement	$3	$2.50	$0.50

Fee medians by peer group

Institutions under $300M in assets in Indiana

Non-Network ATM runs $0.50 below the Indiana median.

Overdraft (OD)
Group median:
$30
of 32 institutions publishing
State median:
$30
of 62 institutions publishing
Difference: Within 1%
NSF / Returned Item
Group median:
$30
of 34 institutions publishing
State median:
$30
of 65 institutions publishing
Difference: Within 1%
Monthly Maintenance
Group median:
$5.73
of 12 institutions publishing
State median:
$6.98
of 45 institutions publishing
Difference: $1.25 below
Non-Network ATM
Group median:
$1.50
of 21 institutions publishing
State median:
$2
of 47 institutions publishing
Difference: $0.50 below
Wire Transfer (Domestic Out)
Group median:
$25
of 35 institutions publishing
State median:
$25
of 63 institutions publishing
Difference: Within 1%

Difference: the group median against the Indiana 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 16 institutions publishing
State median:
$50
of 36 institutions publishing
Difference: Within 1%
Stop Payment
Group median:
$30
of 39 institutions publishing
State median:
$30
of 74 institutions publishing
Difference: Within 1%
Cashier's Check
Group median:
$4
of 32 institutions publishing
State median:
$5
of 58 institutions publishing
Difference: $1 below
Debit Card Replacement
Group median:
$10
of 36 institutions publishing
State median:
$10
of 61 institutions publishing
Difference: Within 1%
Wire Transfer (Domestic In)
Group median:
$10
of 28 institutions publishing
State median:
$10
of 45 institutions publishing
Difference: Within 1%
OD Protection Transfer
Group median:
$5
of 22 institutions publishing
State median:
$5
of 39 institutions publishing
Difference: Within 1%
Deposited Item Return
Group median:
$20
of 21 institutions publishing
State median:
$17.50
of 36 institutions publishing
Difference: $2.50 above
Paper Statement
Group median:
$2.63
of 10 institutions publishing
State median:
$3
of 32 institutions publishing
Difference: $0.37 below
Minimum Balance
Group median:
Too few to compare
of 5 institutions publishing
State median:
$5.50
of 14 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 Indiana median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in Indiana 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 Indiana

The five largest banks hold 39% of bank deposits in Indiana. 208 banks and credit unions are headquartered here; 1,746 bank branches and 651 credit union branches serve the state, wherever headquartered.

JPMorgan Chase Bank, National Association12.3% · $27.0B across 120 branches
PNC Bank, National Association7.6% · $16.7B across 79 branches
Old National Bank6.6% · $14.5B across 93 branches
First Merchants Bank6.2% · $13.6B across 89 branches
Fifth Third Bank, National Association5.9% · $13.0B across 96 branches
Every other bank61.4% · $134.9B

69% of the 87 banks hold $100M to $1B in assets

FDIC asset-size groups

50% of the 121 credit unions hold $10M to $100M in assets

NCUA asset-size groups

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

Fee income

Indiana bank service charges rose 9.1% 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

$76.3MQ2 2026

+9.1% from Q2 2025

Credit unions: all fee income

$58.4MQ2 2026

+6.2% 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 Indiana fee report

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

Indiana versus the Chicago district

Higher in Indiana: deposited item return +⁠$7.50, stop payment +⁠$1, monthly maintenance +⁠$0.98 and 1 more. Lower in Indiana: minimum balance −⁠$0.50. The other 9 fees are about the same.

Deposited Item Return
Indiana $17.50 (36 inst.) · District $10 (239 inst.)
+$7.50
Stop Payment
Indiana $30 (74 inst.) · District $29 (464 inst.)
+$1
Monthly Maintenance
Indiana $6.98 (45 inst.) · District $6 (231 inst.)
+$0.98
Non-Network ATM
Indiana $2 (47 inst.) · District $1.50 (209 inst.)
+$0.50
Minimum Balance
Indiana $5.50 (14 inst.) · District $6 (80 inst.)
−$0.50

Indiana median against the Chicago district median, by fee
Fee	Indiana	District	Gap
Deposited Item Return	$17.5036 inst.	$10239 inst.	+$7.50
Stop Payment	$3074 inst.	$29464 inst.	+$1
Monthly Maintenance	$6.9845 inst.	$6231 inst.	+$0.98
Non-Network ATM	$247 inst.	$1.50209 inst.	+$0.50
Minimum Balance	$5.5014 inst.	$680 inst.	−$0.50

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 Indiana 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.

Indiana versus the U.S.

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

Overdraft (OD)

$30

Median of 62 Indiana institutions. U.S. $30.

Indiana institutionsNational middle range

Explore 29 additional Indiana fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Indiana 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

Indiana unemployment was 3.4% in September 2026, against 4.2% for the U.S.

Indiana

Unemployment rate, against the U.S.

IndianaU.S.

Sep 2021 to Sep 2026

Median household income in Indiana: $72K (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 Indiana data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

U.S.1.1

4 Indiana 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 Indiana.

See Hamilton plans Or ask for a demo

From 97 Indiana 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 Indiana

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 208 headquartered in Indiana

medians fall within the national middle 50%

14 of 14

Data refreshed Nov 2, 2026

Fee

Banks

Credit unions

Difference

Overdraft (OD)

$30

Same

NSF / Returned Item

$30

Same

Monthly Maintenance

$6.99

$5.50

$1.49

Non-Network ATM

$2.13

$1.50

$0.63

Wire Transfer (Domestic Out)

$25

$20

Wire Transfer (Int'l Out)

$50

Same

Stop Payment

$30

Same

Cashier's Check

Debit Card Replacement

$10

Same

Wire Transfer (Domestic In)

$15

$10

OD Protection Transfer

Deposited Item Return

$10

$20

$10

Paper Statement

$2.50

$0.50

Fee

Indiana

District

Lower in Indiana Higher in Indiana

Gap

Deposited Item Return

$17.5036 inst.

$10239 inst.

+$7.50

Stop Payment

$3074 inst.

$29464 inst.

+$1

Monthly Maintenance

$6.9845 inst.

$6231 inst.

+$0.98

Non-Network ATM

$247 inst.

$1.50209 inst.

+$0.50

Minimum Balance

$5.5014 inst.

$680 inst.

−$0.50