Richmond Fed · District 5

Bank fees in Maryland

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

The overdraft median is $1 above the national median; NSF is about the same.

institutions with published feesof 87 headquartered in Maryland: 60
medians fall within the national middle 50%: 14 of 14

Data refreshed Nov 4, 2026

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Local fee benchmarks

Baltimore's monthly maintenance median is $12; Maryland's is $6.48.

Monthly Maintenance median by market, institutions with a branch thereMaryland $6.48, 28 institutions

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

Baltimore
21 institutions
$12
Maryland
28 institutions
$6.48
Richmond Fed district
120 institutions
$7.25
U.S.
1,900 institutions
$7

Who each median counts

Baltimore: With a branch in Baltimore, wherever headquartered
Maryland: Headquartered in Maryland
Richmond Fed district: Headquartered in the Richmond Fed district
U.S.: Every institution in the index

Baltimore

Fee data available for 31 of 40 institutions

Compare Baltimore 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.

Maryland's banks and credit unions

60 of the 87 institutions headquartered in Maryland have published fees here, and 60 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 8 of 12 fees, among institutions headquartered in Maryland.

lower at credit unions: 8
lower at banks: 1
about the same: 3

12 fees with both a bank and a credit union median in Maryland.

Lower at credit unions

Lower at banks

About the same

Fee

Overdraft (OD)

Credit unions $5 lower in Maryland.

$35

Banks

median of 8

$30

Credit unions

median of 30

One fee with a lower bank median

Deposited Item Return

$10

Banks

median of 9

$26.25

Credit unions

median of 24

Every fee, banks against credit unions

Bank and credit union medians in Maryland; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$35	$30	$5
NSF / Returned Item	$32.50	$30	$2.50
Monthly Maintenance	$7.25	$6.48	$0.77
Non-Network ATM	$1.63	$1	$0.63
Wire Transfer (Domestic Out)	$25	$25	Same
Wire Transfer (Int'l Out)	$50	$45	$5
Stop Payment	$32	$27.50	$4.50
Cashier's Check	$10	$5	$5
Debit Card Replacement	$10	$10	Same
Deposited Item Return	$10	$26.25	$16.25
Wire Transfer (Domestic In)	$15	$10	$5
OD Protection Transfer	$5	$5	Same

Fee medians by peer group

Institutions under $300M in assets in Maryland

Non-Network ATM runs $0.32 below the Maryland median.

Overdraft (OD)
Group median:
$30
of 13 institutions publishing
State median:
$31
of 38 institutions publishing
Difference: $1 below
NSF / Returned Item
Group median:
$30
of 12 institutions publishing
State median:
$30
of 38 institutions publishing
Difference: Within 1%
Monthly Maintenance
Group median:
Too few to compare
of 7 institutions publishing
State median:
$6.48
of 28 institutions publishing
Difference: Not compared
Non-Network ATM
Group median:
$1.06
of 12 institutions publishing
State median:
$1.38
of 36 institutions publishing
Difference: $0.32 below
Wire Transfer (Domestic Out)
Group median:
$25
of 14 institutions publishing
State median:
$25
of 47 institutions publishing
Difference: Within 1%

Difference: the group median against the Maryland 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:
Too few to compare
of 4 institutions publishing
State median:
$45
of 25 institutions publishing
Difference: Not compared
Stop Payment
Group median:
$26.25
of 18 institutions publishing
State median:
$29
of 52 institutions publishing
Difference: $2.75 below
Cashier's Check
Group median:
$6.25
of 10 institutions publishing
State median:
$5
of 39 institutions publishing
Difference: $1.25 above
Debit Card Replacement
Group median:
$10
of 12 institutions publishing
State median:
$10
of 44 institutions publishing
Difference: Within 1%
Deposited Item Return
Group median:
$27.50
of 13 institutions publishing
State median:
$22.50
of 33 institutions publishing
Difference: $5 above
Wire Transfer (Domestic In)
Group median:
Too few to compare
of 6 institutions publishing
State median:
$10
of 26 institutions publishing
Difference: Not compared
Paper Statement
Group median:
$2
of 8 institutions publishing
State median:
$2.50
of 20 institutions publishing
Difference: $0.50 below
OD Protection Transfer
Group median:
Too few to compare
of 7 institutions publishing
State median:
$5
of 17 institutions publishing
Difference: Not compared
Minimum Balance
Group median:
Too few to compare
of 5 institutions publishing
State median:
$8.25
of 12 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 Maryland median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in Maryland 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 4, 2026.

Who serves Maryland

The five largest banks hold 62% of bank deposits in Maryland. 87 banks and credit unions are headquartered here; 1,129 bank branches and 320 credit union branches serve the state, wherever headquartered.

Bank of America, National Association22.2% · $45.1B across 115 branches
Manufacturers and Traders Trust Company13.2% · $26.8B across 152 branches
Truist Bank11.4% · $23.1B across 138 branches
PNC Bank, National Association9.4% · $19.0B across 115 branches
Wells Fargo Bank, National Association5.9% · $12.0B across 73 branches
Every other bank38.1% · $77.5B

59% of the 27 banks hold $100M to $1B in assets

FDIC asset-size groups

30% of the 60 credit unions hold $10M to $100M in assets

NCUA asset-size groups

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

Fee income

Maryland bank service charges rose 4.6% 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

$7.4MQ2 2026

+4.6% from Q2 2025

Credit unions: all fee income

$45.6MQ2 2026

+1.8% 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 Maryland medians against the U.S., sent to you and updated as schedules are verified.

Maryland versus the Richmond district

Higher in Maryland: wire transfer +⁠$5, minimum balance +⁠$3.25, deposited item return +⁠$2.50 and 1 more. Lower in Maryland: stop payment −⁠$1, monthly maintenance −⁠$0.77, paper statement −⁠$0.50 and 1 more. The other 6 fees are about the same.

Wire Transfer (Domestic Out)
Maryland $25 (47 inst.) · District $20 (204 inst.)
+$5
Minimum Balance
Maryland $8.25 (12 inst.) · District $5 (47 inst.)
+$3.25
Deposited Item Return
Maryland $22.50 (33 inst.) · District $20 (140 inst.)
+$2.50
Stop Payment
Maryland $29 (52 inst.) · District $30 (241 inst.)
−$1
Monthly Maintenance
Maryland $6.48 (28 inst.) · District $7.25 (120 inst.)
−$0.77

Maryland median against the Richmond district median, by fee
Fee	Maryland	District	Gap
Wire Transfer (Domestic Out)	$2547 inst.	$20204 inst.	+$5
Minimum Balance	$8.2512 inst.	$547 inst.	+$3.25
Deposited Item Return	$22.5033 inst.	$20140 inst.	+$2.50
Stop Payment	$2952 inst.	$30241 inst.	−$1
Monthly Maintenance	$6.4828 inst.	$7.25120 inst.	−$0.77

What the Fed sees in the district

“The Fifth District economy continued to grow at a moderate pace this cycle.”

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

Open the Richmond district report

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

Maryland versus the U.S.

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

Overdraft (OD)

$31

Median of 38 Maryland institutions. U.S. $30.

Maryland institutionsNational middle range

Explore 25 additional Maryland fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Maryland 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

Maryland unemployment was 3.9% in September 2026, against 4.2% for the U.S.

Maryland

Unemployment rate, against the U.S.

MarylandU.S.

Sep 2021 to Sep 2026

Median household income in Maryland: $104K (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 Maryland data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

Richmond district3.0
U.S.1.1

1 Maryland 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 Maryland.

See Hamilton plans Or ask for a demo

From 60 Maryland banks and credit unions' own published fee schedules, one value per institution; a median needs at least 5 institutions. Data as of Nov 4, 2026. Methodology

Fee

Banks

Credit unions

Difference

Overdraft (OD)

$35

$30

NSF / Returned Item

$32.50

$30

$2.50

Monthly Maintenance

$7.25

$6.48

$0.77

Non-Network ATM

$1.63

$0.63

Wire Transfer (Domestic Out)

$25

Same

Wire Transfer (Int'l Out)

$50

$45

Stop Payment

$32

$27.50

$4.50

Cashier's Check

$10

Debit Card Replacement

$10

Same

Deposited Item Return

$10

$26.25

$16.25

Wire Transfer (Domestic In)

$15

$10

OD Protection Transfer

Same

Fee

Maryland

District

Lower in Maryland Higher in Maryland

Gap

Wire Transfer (Domestic Out)

$2547 inst.

$20204 inst.

+$5

Minimum Balance

$8.2512 inst.

$547 inst.

+$3.25

Deposited Item Return

$22.5033 inst.

$20140 inst.

+$2.50

Stop Payment

$2952 inst.

$30241 inst.

−$1

Monthly Maintenance

$6.4828 inst.

$7.25120 inst.

−$0.77