Kansas City Fed · District 10

Bank fees in Kansas

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

Overdraft and NSF medians are $2.50 and $5 below the national median.

institutions with published feesof 244 headquartered in Kansas: 99
medians fall within the national middle 50%: 14 of 14

Data refreshed Nov 2, 2026

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Local fee benchmarks

Wichita's debit card replacement median is $5; Kansas's is $10.

Debit Card Replacement median by market, institutions with a branch thereKansas $10, 57 institutions

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

Wichita
15 institutions
$5
Kansas
57 institutions
$10
Kansas City Fed district
259 institutions
$10
U.S.
2,744 institutions
$10

Who each median counts

Wichita: With a branch in Wichita, wherever headquartered
Kansas: Headquartered in Kansas
Kansas City Fed district: Headquartered in the Kansas City Fed district
U.S.: Every institution in the index

Wichita

Fee data available for 29 of 48 institutions

Compare Wichita 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.

Kansas's banks and credit unions

99 of the 244 institutions headquartered in Kansas have published fees here, and 99 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 Kansas.

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 Kansas.

Lower at credit unions

Lower at banks

About the same

Fee

Monthly Maintenance

Credit unions $1.50 lower in Kansas.

$6.50

Banks

median of 39

Credit unions

median of 14

Three fees with lower bank medians

Overdraft (OD)

$26

Banks

median of 44

$28

Credit unions

median of 19

NSF / Returned Item

$25

Banks

median of 35

$27.50

Credit unions

median of 22

Deposited Item Return

$5.50

Banks

median of 28

$25

Credit unions

median of 18

Every fee, banks against credit unions

Bank and credit union medians in Kansas; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$26	$28	$2
NSF / Returned Item	$25	$27.50	$2.50
Monthly Maintenance	$6.50	$5	$1.50
Non-Network ATM	$2	$1	$1
Wire Transfer (Domestic Out)	$20	$20	Same
Wire Transfer (Int'l Out)	$50	$50	Same
Stop Payment	$27.50	$25	$2.50
Cashier's Check	$5	$2	$3
Debit Card Replacement	$10	$10	Same
Deposited Item Return	$5.50	$25	$19.50
Wire Transfer (Domestic In)	$10	$5	$5
OD Protection Transfer	$5	$3	$2
Minimum Balance	$5	$5	Same

Fee medians by peer group

Institutions under $300M in assets in Kansas

Non-Network ATM runs $1 below the Kansas median.

Overdraft (OD)
Group median:
$27.50
of 34 institutions publishing
State median:
$27.50
of 63 institutions publishing
Difference: Within 1%
NSF / Returned Item
Group median:
$27
of 35 institutions publishing
State median:
$25
of 57 institutions publishing
Difference: $2 above
Monthly Maintenance
Group median:
$5
of 27 institutions publishing
State median:
$6
of 53 institutions publishing
Difference: $1 below
Non-Network ATM
Group median:
$1
of 17 institutions publishing
State median:
$2
of 36 institutions publishing
Difference: $1 below
Wire Transfer (Domestic Out)
Group median:
$20
of 39 institutions publishing
State median:
$20
of 60 institutions publishing
Difference: Within 1%

Difference: the group median against the Kansas 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 20 institutions publishing
State median:
$50
of 37 institutions publishing
Difference: Within 1%
Stop Payment
Group median:
$25
of 44 institutions publishing
State median:
$25
of 75 institutions publishing
Difference: Within 1%
Cashier's Check
Group median:
$3.50
of 32 institutions publishing
State median:
$5
of 56 institutions publishing
Difference: $1.50 below
Debit Card Replacement
Group median:
$10
of 35 institutions publishing
State median:
$10
of 57 institutions publishing
Difference: Within 1%
Deposited Item Return
Group median:
$10
of 28 institutions publishing
State median:
$10
of 46 institutions publishing
Difference: Within 1%
Wire Transfer (Domestic In)
Group median:
$10
of 24 institutions publishing
State median:
$10
of 36 institutions publishing
Difference: Within 1%
Paper Statement
Group median:
$3
of 10 institutions publishing
State median:
$3
of 26 institutions publishing
Difference: Within 1%
OD Protection Transfer
Group median:
$2.50
of 12 institutions publishing
State median:
$4
of 20 institutions publishing
Difference: $1.50 below
Minimum Balance
Group median:
$5
of 9 institutions publishing
State median:
$5
of 13 institutions publishing
Difference: Within 1%

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

Source: Institutions headquartered in Kansas 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 Kansas

The five largest banks hold 27% of bank deposits in Kansas. 244 banks and credit unions are headquartered here; 1,331 bank branches and 251 credit union branches serve the state, wherever headquartered.

Bank of America, National Association6.9% · $7.3B across 24 branches
Capitol Federal Savings Bank6.4% · $6.8B across 42 branches
Intrust Bank, National Association5.3% · $5.6B across 33 branches
Commerce Bank4.4% · $4.6B across 33 branches
U.S. Bank National Association3.6% · $3.8B across 23 branches
Every other bank73.4% · $77.0B

63% of the 183 banks hold $100M to $1B in assets

FDIC asset-size groups

44% of the 61 credit unions hold $10M to $100M in assets

NCUA asset-size groups

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

Fee income

Kansas 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

$33.6MQ2 2026

+6.1% from Q2 2025

Credit unions: all fee income

$16.7MQ2 2026

−31.6% 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 Kansas medians against the U.S., sent to you and updated as schedules are verified.

Kansas versus the Kansas City district

Higher in Kansas: non-network ATM +⁠$0.50. Lower in Kansas: NSF / returned item −⁠$3, minimum balance −⁠$2.25, overdraft −⁠$1.50 and 2 more. The other 8 fees are about the same.

NSF / Returned Item
Kansas $25 (57 inst.) · District $28 (272 inst.)
−$3
Minimum Balance
Kansas $5 (13 inst.) · District $7.25 (50 inst.)
−$2.25
Overdraft (OD)
Kansas $27.50 (63 inst.) · District $29 (273 inst.)
−$1.50
Monthly Maintenance
Kansas $6 (53 inst.) · District $7.50 (230 inst.)
−$1.50
OD Protection Transfer
Kansas $4 (20 inst.) · District $5 (77 inst.)
−$1

Kansas median against the Kansas City district median, by fee
Fee	Kansas	District	Gap
NSF / Returned Item	$2557 inst.	$28272 inst.	−$3
Minimum Balance	$513 inst.	$7.2550 inst.	−$2.25
Overdraft (OD)	$27.5063 inst.	$29273 inst.	−$1.50
Monthly Maintenance	$653 inst.	$7.50230 inst.	−$1.50
OD Protection Transfer	$420 inst.	$577 inst.	−$1

What the Fed sees in the district

“Business activity in the Tenth District continued to hold steady in a pattern of subdued conditions punctuated by pockets of strong demand.”

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

Open the Kansas City district report

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

Kansas versus the U.S.

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

Overdraft (OD)

$27.50

Median of 63 Kansas institutions. U.S. $30.

Kansas institutionsNational middle range

Explore 27 additional Kansas fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Kansas 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

Kansas unemployment was 3.8% in September 2026, against 4.2% for the U.S.

Kansas

Unemployment rate, against the U.S.

KansasU.S.

Sep 2021 to Sep 2026

Median household income in Kansas: $74K (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 Kansas.

See Hamilton plans Or ask for a demo

From 99 Kansas 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)

$26

$28

NSF / Returned Item

$25

$27.50

$2.50

Monthly Maintenance

$6.50

$1.50

Non-Network ATM

Wire Transfer (Domestic Out)

$20

Same

Wire Transfer (Int'l Out)

$50

Same

Stop Payment

$27.50

$25

$2.50

Cashier's Check

Debit Card Replacement

$10

Same

Deposited Item Return

$5.50

$25

$19.50

Wire Transfer (Domestic In)

$10

OD Protection Transfer

Minimum Balance

Same

Fee

Kansas

District

Lower in Kansas Higher in Kansas

Gap

NSF / Returned Item

$2557 inst.

$28272 inst.

−$3

Minimum Balance

$513 inst.

$7.2550 inst.

−$2.25

Overdraft (OD)

$27.5063 inst.

$29273 inst.

−$1.50

Monthly Maintenance

$653 inst.

$7.50230 inst.

−$1.50

OD Protection Transfer

$420 inst.

$577 inst.

−$1