Kansas City Fed · District 10

Bank fees in Nebraska

Name: Nebraska 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 above the national median.

institutions with published feesof 188 headquartered in Nebraska: 71
medians fall within the national middle 50%: 14 of 14

Data refreshed Nov 2, 2026

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Local fee benchmarks

Omaha's monthly maintenance median is $9; Nebraska's is $7.23.

Monthly Maintenance median by market, institutions with a branch thereNebraska $7.23, 42 institutions

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

Omaha
24 institutions
$9
Nebraska
42 institutions
$7.23
Kansas City Fed district
230 institutions
$7.50
U.S.
1,903 institutions
$7

Who each median counts

Omaha: With a branch in Omaha, wherever headquartered
Nebraska: Headquartered in Nebraska
Kansas City Fed district: Headquartered in the Kansas City Fed district
U.S.: Every institution in the index

Omaha

Fee data available for 39 of 67 institutions

Compare Omaha 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.

Nebraska's banks and credit unions

71 of the 188 institutions headquartered in Nebraska have published fees here, and 71 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 4 of 12 fees, among institutions headquartered in Nebraska.

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

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

Lower at credit unions

Lower at banks

About the same

Fee

Monthly Maintenance

Credit unions $2.50 lower in Nebraska.

$7.50

Banks

median of 29

Credit unions

median of 13

Four fees with lower bank medians

Overdraft (OD)

$28

Banks

median of 25

$30

Credit unions

median of 19

Wire Transfer (Domestic Out)

$20

Banks

median of 18

$25

Credit unions

median of 20

Stop Payment

$25

Banks

median of 26

$30

Credit unions

median of 26

Deposited Item Return

Banks

median of 15

$20

Credit unions

median of 18

Every fee, banks against credit unions

Bank and credit union medians in Nebraska; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$28	$30	$2
NSF / Returned Item	$30	$30	Same
Monthly Maintenance	$7.50	$5	$2.50
Non-Network ATM	$2	$2	Same
Wire Transfer (Domestic Out)	$20	$25	$5
Wire Transfer (Int'l Out)	$50	$47.50	$2.50
Stop Payment	$25	$30	$5
Cashier's Check	$5	$4	$1
Debit Card Replacement	$10	$10	Same
Deposited Item Return	$5	$20	$15
Wire Transfer (Domestic In)	$10	$10	Same
Paper Statement	$4	$3	$1

Fee medians by peer group

Institutions under $300M in assets in Nebraska

Monthly Maintenance runs $2.23 below the Nebraska median.

Overdraft (OD)
Group median:
$30
of 27 institutions publishing
State median:
$30
of 44 institutions publishing
Difference: Within 1%
NSF / Returned Item
Group median:
$30
of 30 institutions publishing
State median:
$30
of 45 institutions publishing
Difference: Within 1%
Monthly Maintenance
Group median:
$5
of 20 institutions publishing
State median:
$7.23
of 42 institutions publishing
Difference: $2.23 below
Non-Network ATM
Group median:
$2
of 24 institutions publishing
State median:
$2
of 34 institutions publishing
Difference: Within 1%
Wire Transfer (Domestic Out)
Group median:
$20
of 27 institutions publishing
State median:
$20
of 38 institutions publishing
Difference: Within 1%

Difference: the group median against the Nebraska 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:
$50
of 15 institutions publishing
State median:
$50
of 24 institutions publishing
Difference: Within 1%
Stop Payment
Group median:
$26
of 34 institutions publishing
State median:
$26
of 52 institutions publishing
Difference: Within 1%
Cashier's Check
Group median:
$5
of 31 institutions publishing
State median:
$5
of 44 institutions publishing
Difference: Within 1%
Debit Card Replacement
Group median:
$10
of 34 institutions publishing
State median:
$10
of 53 institutions publishing
Difference: Within 1%
Deposited Item Return
Group median:
$15
of 25 institutions publishing
State median:
$15
of 33 institutions publishing
Difference: Within 1%
Wire Transfer (Domestic In)
Group median:
$10
of 20 institutions publishing
State median:
$10
of 28 institutions publishing
Difference: Within 1%
Paper Statement
Group median:
$3
of 12 institutions publishing
State median:
$3
of 21 institutions publishing
Difference: Within 1%
OD Protection Transfer
Group median:
$5
of 10 institutions publishing
State median:
$5
of 11 institutions publishing
Difference: Within 1%
Minimum Balance
Group median:
Too few to compare
of 4 institutions publishing
State median:
$8
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 Nebraska median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in Nebraska 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 Nebraska

The five largest banks hold 44% of bank deposits in Nebraska. 188 banks and credit unions are headquartered here; 1,038 bank branches and 152 credit union branches serve the state, wherever headquartered.

First National Bank of Omaha18.4% · $17.5B across 50 branches
Pinnacle Bank8.0% · $7.6B across 65 branches
Union Bank and Trust Company7.5% · $7.2B across 34 branches
Wells Fargo Bank, National Association6.0% · $5.7B across 32 branches
U.S. Bank National Association4.1% · $3.9B across 34 branches
Every other bank56.0% · $53.3B

59% of the 138 banks hold $100M to $1B in assets

FDIC asset-size groups

46% of the 50 credit unions hold $10M to $100M in assets

NCUA asset-size groups

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

Fee income

Nebraska bank service charges rose 5.9% 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

$23.6MQ2 2026

+5.9% from Q2 2025

Credit unions: all fee income

$12.5MQ2 2026

+2.2% 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

Get the free Nebraska fee report

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

Nebraska versus the Kansas City district

Higher in Nebraska: deposited item return +⁠$5, NSF / returned item +⁠$2, overdraft +⁠$1 and 3 more. Lower in Nebraska: monthly maintenance −⁠$0.27. The other 7 fees are about the same.

Deposited Item Return
Nebraska $15 (33 inst.) · District $10 (197 inst.)
+$5
NSF / Returned Item
Nebraska $30 (45 inst.) · District $28 (271 inst.)
+$2
Overdraft (OD)
Nebraska $30 (44 inst.) · District $29 (273 inst.)
+$1
Stop Payment
Nebraska $26 (52 inst.) · District $25 (319 inst.)
+$1
Minimum Balance
Nebraska $8 (6 inst.) · District $7.25 (50 inst.)
+$0.75

Nebraska median against the Kansas City district median, by fee
Fee	Nebraska	District	Gap
Deposited Item Return	$1533 inst.	$10197 inst.	+$5
NSF / Returned Item	$3045 inst.	$28271 inst.	+$2
Overdraft (OD)	$3044 inst.	$29273 inst.	+$1
Stop Payment	$2652 inst.	$25319 inst.	+$1
Minimum Balance	$86 inst.	$7.2550 inst.	+$0.75

What the Fed sees in the district

“Business activity in the Tenth District continued to hold steady in a pattern of subdued conditions punctuated by pockets of strong demand.”

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

Open the Kansas City district report

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

Nebraska versus the U.S.

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

Overdraft (OD)

$30

Median of 44 Nebraska institutions. U.S. $30.

Nebraska institutionsNational middle range

Explore 25 additional Nebraska fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Nebraska 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

Nebraska unemployment was 2.9% in September 2026, against 4.2% for the U.S.

Nebraska

Unemployment rate, against the U.S.

NebraskaU.S.

Sep 2021 to Sep 2026

Median household income in Nebraska: $76K (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 Nebraska data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

U.S.1.1

1 Nebraska 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 Nebraska.

See Hamilton plans Or ask for a demo

From 71 Nebraska 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 Nebraska

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

institutions with published feesof 188 headquartered in Nebraska

medians fall within the national middle 50%

14 of 14

Data refreshed Nov 2, 2026

Fee

Banks

Credit unions

Difference

Overdraft (OD)

$28

$30

NSF / Returned Item

$30

Same

Monthly Maintenance

$7.50

$2.50

Non-Network ATM

Same

Wire Transfer (Domestic Out)

$20

$25

Wire Transfer (Int'l Out)

$50

$47.50

$2.50

Stop Payment

$25

$30

Cashier's Check

Debit Card Replacement

$10

Same

Deposited Item Return

$20

$15

Wire Transfer (Domestic In)

$10

Same

Paper Statement

Fee

Nebraska

District

Lower in Nebraska Higher in Nebraska

Gap

Deposited Item Return

$1533 inst.

$10197 inst.

+$5

NSF / Returned Item

$3045 inst.

$28271 inst.

+$2

Overdraft (OD)

$3044 inst.

$29273 inst.

+$1

Stop Payment

$2652 inst.

$25319 inst.

+$1

Minimum Balance

$86 inst.

$7.2550 inst.

+$0.75