Cleveland Fed · District 4

Bank fees in Kentucky

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

Overdraft and NSF medians are about the same as the national median. The deposited item return median is $5 below the national median.

institutions with published feesof 171 headquartered in Kentucky: 71
medians fall within the national middle 50%: 14 of 14

Data refreshed Nov 2, 2026

Get the free Kentucky report

Local fee benchmarks

Louisville's monthly maintenance median is $9.98; Kentucky's is $7.25.

Monthly Maintenance median by market, institutions with a branch thereKentucky $7.25, 34 institutions

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

Louisville
22 institutions
$9.98
Kentucky
34 institutions
$7.25
Cleveland Fed district
109 institutions
$6.48
U.S.
1,903 institutions
$7

Who each median counts

Louisville: With a branch in Louisville, wherever headquartered
Kentucky: Headquartered in Kentucky
Cleveland Fed district: Headquartered in the Cleveland Fed district
U.S.: Every institution in the index

Louisville

Fee data available for 36 of 47 institutions

Compare Louisville 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.

Kentucky's banks and credit unions

71 of the 171 institutions headquartered in Kentucky have published fees here, and 71 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 Kentucky.

lower at credit unions: 6
lower at banks: 2
about the same: 5

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

Lower at credit unions

Lower at banks

About the same

Fee

Non-Network ATM

Credit unions $0.75 lower in Kentucky.

$1.50

Banks

median of 22

$0.75

Credit unions

median of 8

Two fees with lower bank medians

Monthly Maintenance

$7.25

Banks

median of 24

$7.50

Credit unions

median of 10

Deposited Item Return

$10

Banks

median of 17

$16.50

Credit unions

median of 11

Every fee, banks against credit unions

Bank and credit union medians in Kentucky; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$30	$30	Same
NSF / Returned Item	$30	$30	Same
Monthly Maintenance	$7.25	$7.50	$0.25
Non-Network ATM	$1.50	$0.75	$0.75
Wire Transfer (Domestic Out)	$20	$20	Same
Wire Transfer (Int'l Out)	$52.50	$50	$2.50
Stop Payment	$30	$28	$2
Cashier's Check	$5	$5	Same
Debit Card Replacement	$10	$7.50	$2.50
Wire Transfer (Domestic In)	$13.25	$5	$8.25
Deposited Item Return	$10	$16.50	$6.50
Paper Statement	$3	$3	Same
OD Protection Transfer	$5	$4	$1

Fee medians by peer group

Institutions under $300M in assets in Kentucky

Monthly Maintenance runs $0.25 above the Kentucky median.

Overdraft (OD)
Group median:
$30
of 22 institutions publishing
State median:
$30
of 53 institutions publishing
Difference: Within 1%
NSF / Returned Item
Group median:
$30
of 26 institutions publishing
State median:
$30
of 57 institutions publishing
Difference: Within 1%
Monthly Maintenance
Group median:
$7.50
of 11 institutions publishing
State median:
$7.25
of 34 institutions publishing
Difference: $0.25 above
Non-Network ATM
Group median:
$1.50
of 13 institutions publishing
State median:
$1.50
of 30 institutions publishing
Difference: Within 1%
Wire Transfer (Domestic Out)
Group median:
$20
of 19 institutions publishing
State median:
$20
of 46 institutions publishing
Difference: Within 1%

Difference: the group median against the Kentucky 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 10 institutions publishing
State median:
$50
of 34 institutions publishing
Difference: Within 1%
Stop Payment
Group median:
$25
of 28 institutions publishing
State median:
$29
of 59 institutions publishing
Difference: $4 below
Cashier's Check
Group median:
$5
of 25 institutions publishing
State median:
$5
of 54 institutions publishing
Difference: Within 1%
Debit Card Replacement
Group median:
$8
of 18 institutions publishing
State median:
$10
of 39 institutions publishing
Difference: $2 below
Wire Transfer (Domestic In)
Group median:
$10
of 14 institutions publishing
State median:
$10
of 33 institutions publishing
Difference: Within 1%
Deposited Item Return
Group median:
$10
of 13 institutions publishing
State median:
$10
of 28 institutions publishing
Difference: Within 1%
Paper Statement
Group median:
$4
of 8 institutions publishing
State median:
$3
of 20 institutions publishing
Difference: $1 above
OD Protection Transfer
Group median:
$5
of 8 institutions publishing
State median:
$5
of 18 institutions publishing
Difference: Within 1%
Minimum Balance
Group median:
Too few to compare
of 3 institutions publishing
State median:
$10
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 Kentucky median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in Kentucky 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 Kentucky

The five largest banks hold 35% of bank deposits in Kentucky. 171 banks and credit unions are headquartered here; 1,446 bank branches and 246 credit union branches serve the state, wherever headquartered.

PNC Bank, National Association9.3% · $11.6B across 67 branches
JPMorgan Chase Bank, National Association8.5% · $10.6B across 45 branches
Fifth Third Bank, National Association6.7% · $8.4B across 68 branches
Stock Yards Bank & Trust Company5.6% · $7.0B across 65 branches
U.S. Bank National Association5.3% · $6.6B across 69 branches
Every other bank64.5% · $80.2B

73% of the 120 banks hold $100M to $1B in assets

FDIC asset-size groups

53% of the 51 credit unions hold $10M to $100M in assets

NCUA asset-size groups

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

Fee income

Kentucky bank service charges rose 6.4% 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

$40.2MQ2 2026

+6.4% from Q2 2025

Credit unions: all fee income

$21.6MQ2 2026

+10.2% 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 Kentucky fee report

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

Kentucky versus the Cleveland district

Higher in Kentucky: minimum balance +⁠$5, stop payment +⁠$1, monthly maintenance +⁠$0.77. Lower in Kentucky: wire transfer −⁠$5, deposited item return −⁠$5, wire transfer −⁠$3.50. The other 8 fees are about the same.

Wire Transfer (Domestic In)
Kentucky $10 (33 inst.) · District $15 (110 inst.)
−$5
Deposited Item Return
Kentucky $10 (28 inst.) · District $15 (132 inst.)
−$5
Minimum Balance
Kentucky $10 (9 inst.) · District $5 (26 inst.)
+$5
Wire Transfer (Domestic Out)
Kentucky $20 (46 inst.) · District $23.50 (158 inst.)
−$3.50
Stop Payment
Kentucky $29 (59 inst.) · District $28 (208 inst.)
+$1

Kentucky median against the Cleveland district median, by fee
Fee	Kentucky	District	Gap
Wire Transfer (Domestic In)	$1033 inst.	$15110 inst.	−$5
Deposited Item Return	$1028 inst.	$15132 inst.	−$5
Minimum Balance	$109 inst.	$526 inst.	+$5
Wire Transfer (Domestic Out)	$2046 inst.	$23.50158 inst.	−$3.50
Stop Payment	$2959 inst.	$28208 inst.	+$1

What the Fed sees in the district

“On balance, business activity in the Fourth District increased modestly in recent weeks, with slight growth expected in the months ahead.”

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

Open the Cleveland district report

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

Kentucky versus the U.S.

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

Overdraft (OD)

$30

Median of 53 Kentucky institutions. U.S. $30.

Kentucky institutionsNational middle range

Explore 21 additional Kentucky fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Kentucky 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

Kentucky unemployment was 4.7% in September 2026, against 4.2% for the U.S.

Kentucky

Unemployment rate, against the U.S.

KentuckyU.S.

Sep 2021 to Sep 2026

Median household income in Kentucky: $64K (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 Kentucky.

See Hamilton plans Or ask for a demo

From 71 Kentucky 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 Kentucky

Overdraft and NSF medians are about the same as the national median. The deposited item return median is $5 below the national median.

institutions with published feesof 171 headquartered in Kentucky

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

$7.25

$7.50

$0.25

Non-Network ATM

$1.50

$0.75

Wire Transfer (Domestic Out)

$20

Same

Wire Transfer (Int'l Out)

$52.50

$50

$2.50

Stop Payment

$30

$28

Cashier's Check

Same

Debit Card Replacement

$10

$7.50

$2.50

Wire Transfer (Domestic In)

$13.25

$8.25

Deposited Item Return

$10

$16.50

$6.50

Paper Statement

Same

OD Protection Transfer

Fee

Kentucky

District

Lower in Kentucky Higher in Kentucky

Gap

Wire Transfer (Domestic In)

$1033 inst.

$15110 inst.

−$5

Deposited Item Return

$1028 inst.

$15132 inst.

−$5

Minimum Balance

$109 inst.

$526 inst.

+$5

Wire Transfer (Domestic Out)

$2046 inst.

$23.50158 inst.

−$3.50

Stop Payment

$2959 inst.

$28208 inst.

+$1