Atlanta Fed · District 6

Bank fees in Mississippi

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

Overdraft and NSF medians are $5 above the national median.

institutions with published feesof 112 headquartered in Mississippi: 56
medians fall within the national middle 50%: 10 of 14

Data refreshed Nov 2, 2026

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Local fee benchmarks

Jackson's non-network ATM median is $2.75; Mississippi's is $2.

Non-Network ATM median by market, institutions with a branch thereMississippi $2, 25 institutions

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

Jackson
10 institutions
$2.75
Mississippi
25 institutions
$2
Atlanta Fed district
197 institutions
$1.50
U.S.
1,651 institutions
$1.50

Who each median counts

Jackson: With a branch in Jackson, wherever headquartered
Mississippi: Headquartered in Mississippi
Atlanta Fed district: Headquartered in the Atlanta Fed district
U.S.: Every institution in the index

Jackson

Fee data available for 21 of 28 institutions

Compare Jackson 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.

Mississippi's banks and credit unions

56 of the 112 institutions headquartered in Mississippi have published fees here, and 56 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 12 fees, among institutions headquartered in Mississippi.

lower at credit unions: 9
lower at banks: 2
about the same: 1

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

Lower at credit unions

Lower at banks

About the same

Fee

Overdraft (OD)

Credit unions $5.50 lower in Mississippi.

$35.50

Banks

median of 22

$30

Credit unions

median of 13

Two fees with lower bank medians

Debit Card Replacement

Banks

median of 14

$10

Credit unions

median of 16

Deposited Item Return

Banks

median of 12

$15

Credit unions

median of 10

Every fee, banks against credit unions

Bank and credit union medians in Mississippi; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$35.50	$30	$5.50
NSF / Returned Item	$35	$30	$5
Monthly Maintenance	$7	$5	$2
Non-Network ATM	$2	$1	$1
Wire Transfer (Domestic Out)	$20	$20	Same
Wire Transfer (Int'l Out)	$50	$40	$10
Stop Payment	$35	$30	$5
Cashier's Check	$8	$5	$3
Debit Card Replacement	$5	$10	$5
Deposited Item Return	$6	$15	$9
Wire Transfer (Domestic In)	$15	$10	$5
Paper Statement	$3	$2	$1

Fee medians by peer group

Institutions under $300M in assets in Mississippi

Monthly Maintenance runs $1.73 below the Mississippi median.

Overdraft (OD)
Group median:
$32.50
of 18 institutions publishing
State median:
$35
of 35 institutions publishing
Difference: $2.50 below
NSF / Returned Item
Group median:
$33.75
of 24 institutions publishing
State median:
$35
of 37 institutions publishing
Difference: $1.25 below
Monthly Maintenance
Group median:
$5
of 18 institutions publishing
State median:
$6.73
of 40 institutions publishing
Difference: $1.73 below
Non-Network ATM
Group median:
$2
of 12 institutions publishing
State median:
$2
of 25 institutions publishing
Difference: Within 1%
Wire Transfer (Domestic Out)
Group median:
$20
of 12 institutions publishing
State median:
$20
of 24 institutions publishing
Difference: Within 1%

Difference: the group median against the Mississippi 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 6 institutions publishing
State median:
$47.50
of 14 institutions publishing
Difference: Not compared
Stop Payment
Group median:
$30
of 25 institutions publishing
State median:
$30.25
of 38 institutions publishing
Difference: Within 1%
Cashier's Check
Group median:
$5
of 20 institutions publishing
State median:
$7.50
of 33 institutions publishing
Difference: $2.50 below
Debit Card Replacement
Group median:
$10
of 21 institutions publishing
State median:
$10
of 30 institutions publishing
Difference: Within 1%
Deposited Item Return
Group median:
$10
of 15 institutions publishing
State median:
$10
of 22 institutions publishing
Difference: Within 1%
Wire Transfer (Domestic In)
Group median:
$10
of 9 institutions publishing
State median:
$15
of 20 institutions publishing
Difference: $5 below
Paper Statement
Group median:
Too few to compare
of 5 institutions publishing
State median:
$2.50
of 17 institutions publishing
Difference: Not compared
OD Protection Transfer
Group median:
$4
of 10 institutions publishing
State median:
$5
of 15 institutions publishing
Difference: $1 below
Minimum Balance
Group median:
Too few to compare
of 7 institutions publishing
State median:
$7.50
of 14 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 Mississippi median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in Mississippi 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 Mississippi

The five largest banks hold 53% of bank deposits in Mississippi. 112 banks and credit unions are headquartered here; 1,052 bank branches and 204 credit union branches serve the state, wherever headquartered.

Trustmark Bank12.9% · $10.7B across 93 branches
The Huntington National Bank12.2% · $10.2B across 87 branches
Renasant Bank11.0% · $9.1B across 88 branches
Regions Bank10.2% · $8.5B across 96 branches
BankPlus6.6% · $5.5B across 51 branches
Every other bank47.1% · $39.1B

68% of the 57 banks hold $100M to $1B in assets

FDIC asset-size groups

47% of the 55 credit unions hold $10M to $100M in assets

NCUA asset-size groups

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

Fee income

Mississippi bank service charges fell 14.1% 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

$84.9MQ2 2026

−14.1% from Q2 2025

Credit unions: all fee income

$24.2MQ2 2026

+3.3% 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 Mississippi medians against the U.S., sent to you and updated as schedules are verified.

Mississippi versus the Atlanta district

Higher in Mississippi: overdraft +⁠$5, NSF / returned item +⁠$5, wire transfer +⁠$5 and 3 more. Lower in Mississippi: deposited item return −⁠$5, wire transfer −⁠$2.50, paper statement −⁠$0.50 and 1 more. The other 4 fees are about the same.

Overdraft (OD)
Mississippi $35 (35 inst.) · District $30 (313 inst.)
+$5
NSF / Returned Item
Mississippi $35 (37 inst.) · District $30 (334 inst.)
+$5
Deposited Item Return
Mississippi $10 (22 inst.) · District $15 (226 inst.)
−$5
Wire Transfer (Domestic In)
Mississippi $15 (20 inst.) · District $10 (191 inst.)
+$5
Wire Transfer (Int'l Out)
Mississippi $47.50 (14 inst.) · District $50 (180 inst.)
−$2.50

Mississippi median against the Atlanta district median, by fee
Fee	Mississippi	District	Gap
Overdraft (OD)	$3535 inst.	$30313 inst.	+$5
NSF / Returned Item	$3537 inst.	$30334 inst.	+$5
Deposited Item Return	$1022 inst.	$15226 inst.	−$5
Wire Transfer (Domestic In)	$1520 inst.	$10191 inst.	+$5
Wire Transfer (Int'l Out)	$47.5014 inst.	$50180 inst.	−$2.50

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 Mississippi 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.

Mississippi versus the U.S.

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

Overdraft (OD)

$35

Median of 35 Mississippi institutions. U.S. $30.

Mississippi institutionsNational middle range

Explore 25 additional Mississippi fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Mississippi 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

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

Mississippi

Unemployment rate, against the U.S.

MississippiU.S.

Sep 2021 to Sep 2026

Median household income in Mississippi: $56K (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 Mississippi data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

Atlanta district0.4
U.S.1.1

3 Mississippi 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 Mississippi.

See Hamilton plans Or ask for a demo

From 56 Mississippi 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)

$35.50

$30

$5.50

NSF / Returned Item

$35

$30

Monthly Maintenance

Non-Network ATM

Wire Transfer (Domestic Out)

$20

Same

Wire Transfer (Int'l Out)

$50

$40

$10

Stop Payment

$35

$30

Cashier's Check

Debit Card Replacement

$10

Deposited Item Return

$15

Wire Transfer (Domestic In)

$15

$10

Paper Statement

Fee

Mississippi

District

Lower in Mississippi Higher in Mississippi

Gap

Overdraft (OD)

$3535 inst.

$30313 inst.

+$5

NSF / Returned Item

$3537 inst.

$30334 inst.

+$5

Deposited Item Return

$1022 inst.

$15226 inst.

−$5

Wire Transfer (Domestic In)

$1520 inst.

$10191 inst.

+$5

Wire Transfer (Int'l Out)

$47.5014 inst.

$50180 inst.

−$2.50