Boston Fed · District 1

Bank fees in Maine

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

Overdraft and NSF medians are $2 below the national median.

institutions with published feesof 70 headquartered in Maine: 45
medians fall within the national middle 50%: 12 of 12

Data refreshed Nov 2, 2026

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Local fee benchmarks

Portland's monthly maintenance median is $9; Maine's is $5.

Monthly Maintenance median by market, institutions with a branch thereMaine $5, 18 institutions

Maine's 8 largest markets by institutions with a branch there; marker size follows that count. Every Maine city on the map

Overdraft (OD)NSF / Returned Item Monthly Maintenance Non-Network ATM Stop Payment Wire Transfer (Domestic Out)Debit Card Replacement

Portland
12 institutions
$9
Maine
18 institutions
$5
Boston Fed district
134 institutions
$6
U.S.
1,903 institutions
$7

Who each median counts

Portland: With a branch in Portland, wherever headquartered
Maine: Headquartered in Maine
Boston Fed district: Headquartered in the Boston Fed district
U.S.: Every institution in the index

Portland

Fee data available for 24 of 27 institutions

Compare Portland 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.

Maine's banks and credit unions

45 of the 70 institutions headquartered in Maine have published fees here, and 45 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 11 fees, among institutions headquartered in Maine.

lower at credit unions: 8
lower at banks: 2
about the same: 1

11 fees with both a bank and a credit union median in Maine.

Lower at credit unions

Lower at banks

About the same

Fee

Overdraft (OD)

Credit unions $5.50 lower in Maine.

$33

Banks

median of 13

$27.50

Credit unions

median of 20

Two fees with lower bank medians

Monthly Maintenance

Banks

median of 12

$5.95

Credit unions

median of 6

Debit Card Replacement

Banks

median of 12

$10

Credit unions

median of 18

Every fee, banks against credit unions

Bank and credit union medians in Maine; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$33	$27.50	$5.50
NSF / Returned Item	$30	$28	$2
Monthly Maintenance	$5	$5.95	$0.95
Wire Transfer (Domestic Out)	$25	$20	$5
Wire Transfer (Int'l Out)	$45	$40	$5
Stop Payment	$29.75	$25	$4.75
Cashier's Check	$6	$4	$2
Debit Card Replacement	$6	$10	$4
Deposited Item Return	$12	$10	$2
Wire Transfer (Domestic In)	$15	$7.50	$7.50
OD Protection Transfer	$3	$3	Same

Fee medians by peer group

Institutions under $300M in assets in Maine

Overdraft runs $0.50 below the Maine median.

Overdraft (OD)
Group median:
$27.50
of 12 institutions publishing
State median:
$28
of 33 institutions publishing
Difference: $0.50 below
NSF / Returned Item
Group median:
$28
of 18 institutions publishing
State median:
$28
of 37 institutions publishing
Difference: Within 1%
Monthly Maintenance
Group median:
Too few to compare
of 6 institutions publishing
State median:
$5
of 18 institutions publishing
Difference: Not compared
Non-Network ATM
Group median:
Too few to compare
of 4 institutions publishing
State median:
$1.50
of 10 institutions publishing
Difference: Not compared
Wire Transfer (Domestic Out)
Group median:
$25
of 13 institutions publishing
State median:
$25
of 34 institutions publishing
Difference: Within 1%

Difference: the group median against the Maine median, up arrow above, down arrow below. Colour shows direction only: above or below the median is not good or bad.

Show all 12

Wire Transfer (Int'l Out)
Group median:
$40
of 13 institutions publishing
State median:
$40
of 31 institutions publishing
Difference: Within 1%
Stop Payment
Group median:
$25
of 19 institutions publishing
State median:
$25
of 39 institutions publishing
Difference: Within 1%
Cashier's Check
Group median:
$3
of 9 institutions publishing
State median:
$5
of 27 institutions publishing
Difference: $2 below
Debit Card Replacement
Group median:
$10
of 15 institutions publishing
State median:
$10
of 30 institutions publishing
Difference: Within 1%
Deposited Item Return
Group median:
$10
of 13 institutions publishing
State median:
$10
of 26 institutions publishing
Difference: Within 1%
Wire Transfer (Domestic In)
Group median:
$8.50
of 8 institutions publishing
State median:
$10
of 25 institutions publishing
Difference: $1.50 below
OD Protection Transfer
Group median:
$3
of 9 institutions publishing
State median:
$3
of 14 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 Maine median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in Maine 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 Maine

The five largest banks hold 45% of bank deposits in Maine. 70 banks and credit unions are headquartered here; 429 bank branches and 226 credit union branches serve the state, wherever headquartered.

Bangor Savings Bank11.7% · $5.3B across 62 branches
TD Bank, National Association11.0% · $5.0B across 28 branches
The Camden National Bank10.1% · $4.6B across 56 branches
KeyBank National Association6.2% · $2.8B across 30 branches
First National Bank5.9% · $2.7B across 18 branches
Every other bank55.2% · $25.3B

68% of the 22 banks hold $1B to $10B in assets

FDIC asset-size groups

69% of the 48 credit unions hold $100M to $500M in assets

NCUA asset-size groups

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

Fee income

Maine bank service charges rose 17.2% 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

$10.3MQ2 2026

+17.2% from Q2 2025

Credit unions: all fee income

$16.2MQ2 2026

+6.1% 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 Maine fee report

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

Maine versus the Boston district

Lower in Maine: overdraft −⁠$2, OD protection transfer −⁠$2, NSF / returned item −⁠$1.25 and 1 more. The other 8 fees are about the same.

Overdraft (OD)
Maine $28 (33 inst.) · District $30 (171 inst.)
−$2
OD Protection Transfer
Maine $3 (14 inst.) · District $5 (121 inst.)
−$2
NSF / Returned Item
Maine $28 (37 inst.) · District $29.25 (192 inst.)
−$1.25
Monthly Maintenance
Maine $5 (18 inst.) · District $6 (134 inst.)
−$1
Non-Network ATM
Maine $1.50 (10 inst.) · District $1.50 (113 inst.)
Same

Maine median against the Boston district median, by fee
Fee	Maine	District	Gap
Overdraft (OD)	$2833 inst.	$30171 inst.	−$2
OD Protection Transfer	$314 inst.	$5121 inst.	−$2
NSF / Returned Item	$2837 inst.	$29.25192 inst.	−$1.25
Monthly Maintenance	$518 inst.	$6134 inst.	−$1
Non-Network ATM	$1.5010 inst.	$1.50113 inst.	Same

What the Fed sees in the district

“Economic activity expanded slightly, with mixed results across sectors.”

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

Open the Boston district report

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

Maine versus the U.S.

0 of 12 Maine medians sit above the U.S. median. Maine medians count institutions headquartered in Maine; U.S. medians count every institution in the index.

Overdraft (OD)

$28

Median of 33 Maine institutions. U.S. $30.

Maine institutionsNational middle range

Explore 21 additional Maine fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Maine 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

Maine unemployment was 3.3% in September 2026, against 4.2% for the U.S.

Maine

Unemployment rate, against the U.S.

MaineU.S.

Sep 2021 to Sep 2026

Median household income in Maine: $75K (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 Maine.

See Hamilton plans Or ask for a demo

From 45 Maine 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)

$33

$27.50

$5.50

NSF / Returned Item

$30

$28

Monthly Maintenance

$5.95

$0.95

Wire Transfer (Domestic Out)

$25

$20

Wire Transfer (Int'l Out)

$45

$40

Stop Payment

$29.75

$25

$4.75

Cashier's Check

Debit Card Replacement

$10

Deposited Item Return

$12

$10

Wire Transfer (Domestic In)

$15

$7.50

OD Protection Transfer

Same

Fee

Maine

District

Lower in Maine Higher in Maine

Gap

Overdraft (OD)

$2833 inst.

$30171 inst.

−$2

OD Protection Transfer

$314 inst.

$5121 inst.

−$2

NSF / Returned Item

$2837 inst.

$29.25192 inst.

−$1.25

Monthly Maintenance

$518 inst.

$6134 inst.

−$1

Non-Network ATM

$1.5010 inst.

$1.50113 inst.

Same