Minneapolis Fed · District 9

Bank fees in Montana

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

The NSF median is $2.50 below the national median; overdraft is about the same.

institutions with published feesof 76 headquartered in Montana: 34
medians fall within the national middle 50%: 13 of 13

Data refreshed Nov 2, 2026

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Local fee benchmarks

Bozeman's monthly maintenance median is $10; Montana's is $5.

Monthly Maintenance median by market, institutions with a branch thereMontana $5, 14 institutions

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

Bozeman
7 institutions
$10
Montana
14 institutions
$5
Minneapolis Fed district
98 institutions
$6.63
U.S.
1,903 institutions
$7

Who each median counts

Bozeman: With a branch in Bozeman, wherever headquartered
Montana: Headquartered in Montana
Minneapolis Fed district: Headquartered in the Minneapolis Fed district
U.S.: Every institution in the index

Bozeman

Fee data available for 17 of 22 institutions

Compare Bozeman 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.

Montana's banks and credit unions

34 of the 76 institutions headquartered in Montana have published fees here, and 34 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 11 fees, among institutions headquartered in Montana.

lower at credit unions: 6
lower at banks: 1
about the same: 4

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

Lower at credit unions

Lower at banks

About the same

Fee

Overdraft (OD)

Credit unions $2 lower in Montana.

$30

Banks

median of 6

$28

Credit unions

median of 9

One fee with a lower bank median

Deposited Item Return

$7.50

Banks

median of 6

$20

Credit unions

median of 9

Every fee, banks against credit unions

Bank and credit union medians in Montana; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$30	$28	$2
Monthly Maintenance	$6.48	$4	$2.48
Non-Network ATM	$2	$2	Same
Wire Transfer (Domestic Out)	$20	$20	Same
Wire Transfer (Int'l Out)	$50	$42.50	$7.50
Stop Payment	$30	$25	$5
Cashier's Check	$5	$3	$2
Debit Card Replacement	$10	$10	Same
Deposited Item Return	$7.50	$20	$12.50
Paper Statement	$3	$3	Same
Wire Transfer (Domestic In)	$10	$5	$5

Fee medians by peer group

Institutions under $300M in assets in Montana

Monthly Maintenance runs $0.25 below the Montana median.

Overdraft (OD)
Group median:
$30
of 9 institutions publishing
State median:
$30
of 15 institutions publishing
Difference: Within 1%
NSF / Returned Item
Group median:
$27
of 13 institutions publishing
State median:
$27.50
of 16 institutions publishing
Difference: $0.50 below
Monthly Maintenance
Group median:
$4.75
of 10 institutions publishing
State median:
$5
of 14 institutions publishing
Difference: $0.25 below
Non-Network ATM
Group median:
Too few to compare
of 7 institutions publishing
State median:
$2
of 15 institutions publishing
Difference: Not compared
Wire Transfer (Domestic Out)
Group median:
$20
of 13 institutions publishing
State median:
$20
of 21 institutions publishing
Difference: Within 1%

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

Show all 13

Wire Transfer (Int'l Out)
Group median:
$50
of 10 institutions publishing
State median:
$50
of 15 institutions publishing
Difference: Within 1%
Stop Payment
Group median:
$25
of 17 institutions publishing
State median:
$26.50
of 26 institutions publishing
Difference: $1.50 below
Cashier's Check
Group median:
$3
of 12 institutions publishing
State median:
$3.25
of 18 institutions publishing
Difference: $0.25 below
Debit Card Replacement
Group median:
$10
of 14 institutions publishing
State median:
$10
of 22 institutions publishing
Difference: Within 1%
Deposited Item Return
Group median:
$10
of 8 institutions publishing
State median:
$15
of 15 institutions publishing
Difference: $5 below
Paper Statement
Group median:
Too few to compare
of 7 institutions publishing
State median:
$3
of 14 institutions publishing
Difference: Not compared
Wire Transfer (Domestic In)
Group median:
Too few to compare
of 6 institutions publishing
State median:
$10
of 12 institutions publishing
Difference: Not compared
OD Protection Transfer
Group median:
Too few to compare
of 4 institutions publishing
State median:
$5
of 6 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 Montana median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in Montana 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 Montana

The five largest banks hold 70% of bank deposits in Montana. 76 banks and credit unions are headquartered here; 371 bank branches and 151 credit union branches serve the state, wherever headquartered.

Glacier Bank21.4% · $8.3B across 63 branches
Stockman Bank of Montana16.0% · $6.2B across 47 branches
First Interstate Bank15.7% · $6.1B across 44 branches
Wells Fargo Bank, National Association8.5% · $3.3B across 21 branches
U.S. Bank National Association8.2% · $3.2B across 17 branches
Every other bank30.3% · $11.8B

66% of the 35 banks hold $100M to $1B in assets

FDIC asset-size groups

41% of the 41 credit unions hold $10M to $100M in assets

NCUA asset-size groups

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

Fee income

Montana bank service charges rose 7.3% 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

$25.0MQ2 2026

+7.3% from Q2 2025

Credit unions: all fee income

$9.0MQ2 2026

+6.2% 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

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

Montana versus the Minneapolis district

Higher in Montana: deposited item return +⁠$5, stop payment +⁠$1.50, non-network ATM +⁠$0.25. Lower in Montana: wire transfer −⁠$5, NSF / returned item −⁠$2.50, cashier's check −⁠$1.75 and 1 more. The other 6 fees are about the same.

Wire Transfer (Domestic Out)
Montana $20 (21 inst.) · District $25 (162 inst.)
−$5
Deposited Item Return
Montana $15 (15 inst.) · District $10 (111 inst.)
+$5
NSF / Returned Item
Montana $27.50 (16 inst.) · District $30 (159 inst.)
−$2.50
Cashier's Check
Montana $3.25 (18 inst.) · District $5 (154 inst.)
−$1.75
Monthly Maintenance
Montana $5 (14 inst.) · District $6.63 (98 inst.)
−$1.63

Montana median against the Minneapolis district median, by fee
Fee	Montana	District	Gap
Wire Transfer (Domestic Out)	$2021 inst.	$25162 inst.	−$5
Deposited Item Return	$1515 inst.	$10111 inst.	+$5
NSF / Returned Item	$27.5016 inst.	$30159 inst.	−$2.50
Cashier's Check	$3.2518 inst.	$5154 inst.	−$1.75
Monthly Maintenance	$514 inst.	$6.6398 inst.	−$1.63

What the Fed sees in the district

“Economic activity in the Ninth District increased slightly since the previous report.”

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

Open the Minneapolis district report

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

Montana versus the U.S.

1 of 13 Montana medians sit above the U.S. median. Montana medians count institutions headquartered in Montana; U.S. medians count every institution in the index.

Overdraft (OD)

$30

Median of 15 Montana institutions. U.S. $30.

Montana institutionsNational middle range

Explore 18 additional Montana fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Montana 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

Montana unemployment was 3.1% in September 2026, against 4.2% for the U.S.

Montana

Unemployment rate, against the U.S.

MontanaU.S.

Sep 2021 to Sep 2026

Median household income in Montana: $73K (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 Montana data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

U.S.1.1

1 Montana 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 Montana.

See Hamilton plans Or ask for a demo

From 34 Montana 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)

$30

$28

Monthly Maintenance

$6.48

$2.48

Non-Network ATM

Same

Wire Transfer (Domestic Out)

$20

Same

Wire Transfer (Int'l Out)

$50

$42.50

$7.50

Stop Payment

$30

$25

Cashier's Check

Debit Card Replacement

$10

Same

Deposited Item Return

$7.50

$20

$12.50

Paper Statement

Same

Wire Transfer (Domestic In)

$10

Fee

Montana

District

Lower in Montana Higher in Montana

Gap

Wire Transfer (Domestic Out)

$2021 inst.

$25162 inst.

−$5

Deposited Item Return

$1515 inst.

$10111 inst.

+$5

NSF / Returned Item

$27.5016 inst.

$30159 inst.

−$2.50

Cashier's Check

$3.2518 inst.

$5154 inst.

−$1.75

Monthly Maintenance

$514 inst.

$6.6398 inst.

−$1.63