Kansas City Fed · District 10

Bank fees in New Mexico

Name: New Mexico Bank and Credit Union Fees Compared
Creator: Fee Insight

The NSF median is $3.75 below the national median; overdraft is about the same.

institutions with published feesof 66 headquartered in New Mexico: 34
medians fall within the national middle 50%: 12 of 13

Data refreshed Nov 2, 2026

Get the free New Mexico report

Local fee benchmarks

Albuquerque's non-network ATM median is $2.25; New Mexico's is $1.50.

Non-Network ATM median by market, institutions with a branch thereNew Mexico $1.50, 13 institutions

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

Albuquerque
12 institutions
$2.25
New Mexico
13 institutions
$1.50
Kansas City Fed district
166 institutions
$1.50
U.S.
1,651 institutions
$1.50

Who each median counts

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

Albuquerque

Fee data available for 25 of 36 institutions

Compare Albuquerque 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.

New Mexico's banks and credit unions

34 of the 66 institutions headquartered in New Mexico 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 8 of 8 fees, among institutions headquartered in New Mexico.

lower at credit unions: 8

8 fees with both a bank and a credit union median in New Mexico.

Lower at credit unions

Fee

Overdraft (OD)

Credit unions $6 lower in New Mexico.

$35

Banks

median of 7

$29

Credit unions

median of 13

Every fee, banks against credit unions

Bank and credit union medians in New Mexico; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$35	$29	$6
NSF / Returned Item	$32	$25	$7
Monthly Maintenance	$9.50	$5	$4.50
Non-Network ATM	$1.75	$1.50	$0.25
Wire Transfer (Domestic Out)	$30	$20	$10
Wire Transfer (Int'l Out)	$52.50	$47.50	$5
Stop Payment	$31	$25	$6
Cashier's Check	$7.75	$4	$3.75

Fee medians by peer group

Institutions under $300M in assets in New Mexico

Monthly Maintenance runs $0.95 below the New Mexico median.

Overdraft (OD)
Group median:
Too few to compare
of 6 institutions publishing
State median:
$30
of 20 institutions publishing
Difference: Not compared
NSF / Returned Item
Group median:
$25
of 9 institutions publishing
State median:
$26.25
of 22 institutions publishing
Difference: $1.25 below
Monthly Maintenance
Group median:
$5
of 8 institutions publishing
State median:
$5.95
of 21 institutions publishing
Difference: $0.95 below
Non-Network ATM
Group median:
Too few to compare
of 3 institutions publishing
State median:
$1.50
of 13 institutions publishing
Difference: Not compared
Wire Transfer (Domestic Out)
Group median:
Too few to compare
of 7 institutions publishing
State median:
$20
of 21 institutions publishing
Difference: Not compared

Difference: the group median against the New Mexico 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:
Too few to compare
of 4 institutions publishing
State median:
$50
of 15 institutions publishing
Difference: Not compared
Stop Payment
Group median:
$25
of 12 institutions publishing
State median:
$26.50
of 28 institutions publishing
Difference: $1.50 below
Cashier's Check
Group median:
Too few to compare
of 6 institutions publishing
State median:
$5
of 19 institutions publishing
Difference: Not compared
Debit Card Replacement
Group median:
$10
of 11 institutions publishing
State median:
$10
of 20 institutions publishing
Difference: Within 1%
Deposited Item Return
Group median:
Too few to compare
of 7 institutions publishing
State median:
$10
of 15 institutions publishing
Difference: Not compared
Paper Statement
Group median:
Too few to compare
of 2 institutions publishing
State median:
$5
of 10 institutions publishing
Difference: Not compared
OD Protection Transfer
Group median:
Too few to compare
of 3 institutions publishing
State median:
$5
of 7 institutions publishing
Difference: Not compared
Wire Transfer (Domestic In)
Group median:
Too few to compare
of 1 institution publishing
State median:
$10
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 New Mexico median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in New Mexico 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 New Mexico

The five largest banks hold 50% of bank deposits in New Mexico. 66 banks and credit unions are headquartered here; 402 bank branches and 192 credit union branches serve the state, wherever headquartered.

Wells Fargo Bank, National Association20.1% · $9.3B across 54 branches
Bank of America, National Association13.4% · $6.2B across 16 branches
BOKF, National Association5.7% · $2.7B across 13 branches
UMB Bank, National Association5.4% · $2.5B across 21 branches
U.S. Bank National Association5.3% · $2.4B across 21 branches
Every other bank50.1% · $23.3B

72% of the 29 banks hold $100M to $1B in assets

FDIC asset-size groups

41% of the 37 credit unions hold $10M to $100M in assets

NCUA asset-size groups

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

Fee income

New Mexico bank service charges rose 0.2% 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

$6.2MQ2 2026

+0.2% from Q2 2025

Credit unions: all fee income

$22.2MQ2 2026

+2.3% 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

Get the free New Mexico fee report

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

New Mexico versus the Kansas City district

Higher in New Mexico: paper statement +⁠$2, stop payment +⁠$1.50, overdraft +⁠$1. Lower in New Mexico: NSF / returned item −⁠$1.75, monthly maintenance −⁠$1.55. The other 8 fees are about the same.

Paper Statement
New Mexico $5 (10 inst.) · District $3 (130 inst.)
+$2
NSF / Returned Item
New Mexico $26.25 (22 inst.) · District $28 (272 inst.)
−$1.75
Monthly Maintenance
New Mexico $5.95 (21 inst.) · District $7.50 (230 inst.)
−$1.55
Stop Payment
New Mexico $26.50 (28 inst.) · District $25 (319 inst.)
+$1.50
Overdraft (OD)
New Mexico $30 (20 inst.) · District $29 (273 inst.)
+$1

New Mexico median against the Kansas City district median, by fee
Fee	New Mexico	District	Gap
Paper Statement	$510 inst.	$3130 inst.	+$2
NSF / Returned Item	$26.2522 inst.	$28272 inst.	−$1.75
Monthly Maintenance	$5.9521 inst.	$7.50230 inst.	−$1.55
Stop Payment	$26.5028 inst.	$25319 inst.	+$1.50
Overdraft (OD)	$3020 inst.	$29273 inst.	+$1

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 New Mexico 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.

New Mexico versus the U.S.

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

Overdraft (OD)

$30

Median of 20 New Mexico institutions. U.S. $30.

New Mexico institutionsNational middle range

Explore 21 additional New Mexico fee categories in Hamilton.

Method: Findings rank only fees with at least 10 New Mexico 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

New Mexico unemployment was 4.7% in September 2026, against 4.2% for the U.S.

New Mexico

Unemployment rate, against the U.S.

New MexicoU.S.

Sep 2021 to Sep 2026

Median household income in New Mexico: $64K (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 New Mexico.

See Hamilton plans Or ask for a demo

From 34 New Mexico 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

$29

NSF / Returned Item

$32

$25

Monthly Maintenance

$9.50

$4.50

Non-Network ATM

$1.75

$1.50

$0.25

Wire Transfer (Domestic Out)

$30

$20

$10

Wire Transfer (Int'l Out)

$52.50

$47.50

Stop Payment

$31

$25

Cashier's Check

$7.75

$3.75

Fee

New Mexico

District

Lower in New Mexico Higher in New Mexico

Gap

Paper Statement

$510 inst.

$3130 inst.

+$2

NSF / Returned Item

$26.2522 inst.

$28272 inst.

−$1.75

Monthly Maintenance

$5.9521 inst.

$7.50230 inst.

−$1.55

Stop Payment

$26.5028 inst.

$25319 inst.

+$1.50

Overdraft (OD)

$3020 inst.

$29273 inst.

+$1