Atlanta Fed · District 6

Bank fees in Louisiana

Name: Louisiana 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 below the national median.

institutions with published feesof 239 headquartered in Louisiana: 97
medians fall within the national middle 50%: 14 of 14

Data refreshed Nov 2, 2026

Get the free Louisiana report

Local fee benchmarks

Baton Rouge's non-network ATM median is $1.50; Louisiana's is $1.

Non-Network ATM median by market, institutions with a branch thereLouisiana $1, 43 institutions

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

Baton Rouge
19 institutions
$1.50
Louisiana
43 institutions
$1
Atlanta Fed district
197 institutions
$1.50
U.S.
1,651 institutions
$1.50

Who each median counts

Baton Rouge: With a branch in Baton Rouge, wherever headquartered
Louisiana: Headquartered in Louisiana
Atlanta Fed district: Headquartered in the Atlanta Fed district
U.S.: Every institution in the index

Baton Rouge

Fee data available for 33 of 55 institutions

Compare Baton Rouge 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.

Louisiana's banks and credit unions

97 of the 239 institutions headquartered in Louisiana 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 9 of 13 fees, among institutions headquartered in Louisiana.

lower at credit unions: 9
lower at banks: 4

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

Lower at credit unions

Lower at banks

Fee

Overdraft (OD)

Credit unions $3.50 lower in Louisiana.

$31.50

Banks

median of 32

$28

Credit unions

median of 38

Four fees with lower bank medians

Monthly Maintenance

$6.75

Banks

median of 22

$7.50

Credit unions

median of 31

Debit Card Replacement

Banks

median of 19

$10

Credit unions

median of 45

Deposited Item Return

Banks

median of 16

$19.50

Credit unions

median of 31

OD Protection Transfer

Banks

median of 6

Credit unions

median of 33

Every fee, banks against credit unions

Bank and credit union medians in Louisiana; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$31.50	$28	$3.50
NSF / Returned Item	$32	$28	$4
Monthly Maintenance	$6.75	$7.50	$0.75
Non-Network ATM	$1.13	$1	$0.13
Wire Transfer (Domestic Out)	$25	$20	$5
Wire Transfer (Int'l Out)	$50	$40	$10
Stop Payment	$30	$26.50	$3.50
Cashier's Check	$6.25	$5	$1.25
Debit Card Replacement	$5	$10	$5
Deposited Item Return	$5	$19.50	$14.50
OD Protection Transfer	$4	$5	$1
Wire Transfer (Domestic In)	$15	$10	$5
Paper Statement	$3.93	$2.50	$1.43

Fee medians by peer group

Institutions under $300M in assets in Louisiana

Monthly Maintenance runs $2 below the Louisiana median.

Overdraft (OD)
Group median:
$29
of 40 institutions publishing
State median:
$30
of 70 institutions publishing
Difference: $1 below
NSF / Returned Item
Group median:
$28
of 43 institutions publishing
State median:
$30
of 70 institutions publishing
Difference: $2 below
Monthly Maintenance
Group median:
$5.50
of 26 institutions publishing
State median:
$7.50
of 53 institutions publishing
Difference: $2 below
Non-Network ATM
Group median:
$1
of 22 institutions publishing
State median:
$1
of 43 institutions publishing
Difference: Within 1%
Wire Transfer (Domestic Out)
Group median:
$20
of 37 institutions publishing
State median:
$20
of 56 institutions publishing
Difference: Within 1%

Difference: the group median against the Louisiana 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:
$40
of 21 institutions publishing
State median:
$45
of 37 institutions publishing
Difference: $5 below
Stop Payment
Group median:
$25
of 53 institutions publishing
State median:
$28
of 80 institutions publishing
Difference: $3 below
Cashier's Check
Group median:
$5
of 36 institutions publishing
State median:
$5
of 57 institutions publishing
Difference: Within 1%
Debit Card Replacement
Group median:
$10
of 40 institutions publishing
State median:
$10
of 64 institutions publishing
Difference: Within 1%
Deposited Item Return
Group median:
$12.50
of 31 institutions publishing
State median:
$10
of 47 institutions publishing
Difference: $2.50 above
OD Protection Transfer
Group median:
$4
of 28 institutions publishing
State median:
$5
of 39 institutions publishing
Difference: $1 below
Wire Transfer (Domestic In)
Group median:
$10
of 19 institutions publishing
State median:
$10
of 32 institutions publishing
Difference: Within 1%
Paper Statement
Group median:
$3
of 10 institutions publishing
State median:
$3
of 24 institutions publishing
Difference: Within 1%
Minimum Balance
Group median:
Too few to compare
of 4 institutions publishing
State median:
$5
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 Louisiana median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in Louisiana 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 Louisiana

The five largest banks hold 53% of bank deposits in Louisiana. 239 banks and credit unions are headquartered here; 1,314 bank branches and 454 credit union branches serve the state, wherever headquartered.

JPMorgan Chase Bank, National Association16.9% · $23.2B across 99 branches
Hancock Whitney Bank12.4% · $17.0B across 97 branches
Capital One, National Association12.1% · $16.6B across 63 branches
Regions Bank6.1% · $8.4B across 79 branches
First Horizon Bank5.6% · $7.8B across 54 branches
Every other bank46.9% · $64.5B

71% of the 102 banks hold $100M to $1B in assets

FDIC asset-size groups

40% of the 136 credit unions hold $10M to $100M in assets

NCUA asset-size groups

Source: Institutions headquartered in Louisiana, 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. The size charts leave out 1 institution with no assets on file. Bank deposits from the FDIC Summary of Deposits, 2026, for branches in Louisiana; credit union branches from NCUA. Leading banks count banks with 10 or more branches in the state.

Fee income

Louisiana bank service charges rose 3.8% 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

$30.4MQ2 2026

+3.8% from Q2 2025

Credit unions: all fee income

$42.1MQ2 2026

+4.7% 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 Louisiana fee report

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

Louisiana versus the Atlanta district

Higher in Louisiana: monthly maintenance +⁠$0.50. Lower in Louisiana: wire transfer −⁠$5, deposited item return −⁠$5, stop payment −⁠$2 and 2 more. The other 8 fees are about the same.

Wire Transfer (Int'l Out)
Louisiana $45 (37 inst.) · District $50 (180 inst.)
−$5
Deposited Item Return
Louisiana $10 (47 inst.) · District $15 (226 inst.)
−$5
Stop Payment
Louisiana $28 (80 inst.) · District $30 (380 inst.)
−$2
Minimum Balance
Louisiana $5 (9 inst.) · District $7 (60 inst.)
−$2
Monthly Maintenance
Louisiana $7.50 (53 inst.) · District $7 (244 inst.)
+$0.50

Louisiana median against the Atlanta district median, by fee
Fee	Louisiana	District	Gap
Wire Transfer (Int'l Out)	$4537 inst.	$50180 inst.	−$5
Deposited Item Return	$1047 inst.	$15226 inst.	−$5
Stop Payment	$2880 inst.	$30380 inst.	−$2
Minimum Balance	$59 inst.	$760 inst.	−$2
Monthly Maintenance	$7.5053 inst.	$7244 inst.	+$0.50

What the Fed sees in the district

“The economy of the Sixth District grew modestly over the reporting period.”

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

Open the Atlanta district report

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

Louisiana versus the U.S.

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

Overdraft (OD)

$30

Median of 70 Louisiana institutions. U.S. $30.

Louisiana institutionsNational middle range

Explore 29 additional Louisiana fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Louisiana 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

Louisiana unemployment was 4.0% in September 2026, against 4.2% for the U.S.

Louisiana

Unemployment rate, against the U.S.

LouisianaU.S.

Sep 2021 to Sep 2026

Median household income in Louisiana: $61K (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 Louisiana.

See Hamilton plans Or ask for a demo

From 97 Louisiana 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 Louisiana

Overdraft and NSF medians are about the same as the national median. The out-of-network ATM median is $0.50 below the national median.

institutions with published feesof 239 headquartered in Louisiana

medians fall within the national middle 50%

14 of 14

Data refreshed Nov 2, 2026

Fee

Banks

Credit unions

Difference

Overdraft (OD)

$31.50

$28

$3.50

NSF / Returned Item

$32

$28

Monthly Maintenance

$6.75

$7.50

$0.75

Non-Network ATM

$1.13

$0.13

Wire Transfer (Domestic Out)

$25

$20

Wire Transfer (Int'l Out)

$50

$40

$10

Stop Payment

$30

$26.50

$3.50

Cashier's Check

$6.25

$1.25

Debit Card Replacement

$10

Deposited Item Return

$19.50

$14.50

OD Protection Transfer

Wire Transfer (Domestic In)

$15

$10

Paper Statement

$3.93

$2.50

$1.43

Fee

Louisiana

District

Lower in Louisiana Higher in Louisiana

Gap

Wire Transfer (Int'l Out)

$4537 inst.

$50180 inst.

−$5

Deposited Item Return

$1047 inst.

$15226 inst.

−$5

Stop Payment

$2880 inst.

$30380 inst.

−$2

Minimum Balance

$59 inst.

$760 inst.

−$2

Monthly Maintenance

$7.5053 inst.

$7244 inst.

+$0.50