Overdraft and NSF medians are about the same as the national median. The deposited item return median is $5 above the national median.
Data refreshed Nov 2, 2026
New York's monthly maintenance median is $10; New York's is $5.
New York's 8 largest markets by institutions with a branch there; marker size follows that count. Every New York city on the map
New York
37 institutions
$10
New York
65 institutions
$5
New York Fed district
97 institutions
$5
U.S.
1,904 institutions
$6.99
193 of the 383 institutions headquartered in New York have published fees here, and 192 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.
Credit unions have lower medians on 7 of 13 fees, among institutions headquartered in New York.
Lower at credit unions
Lower at banks
About the same
Overdraft (OD)
Credit unions $3.50 lower in New York.
$32
Banks
median of 23
$28.50
Credit unions
median of 78
Debit Card Replacement
$7.75
Banks
median of 32
$10
Credit unions
median of 109
Deposited Item Return
$10
Banks
median of 24
$23
Credit unions
median of 72
| Fee | Banks | Credit unions | Difference |
|---|---|---|---|
| Overdraft (OD) | $32 | $28.50 | $3.50 |
| NSF / Returned Item | $30 | $29 | $1 |
| Monthly Maintenance | $7 | $3.50 | $3.50 |
| Non-Network ATM | $2 | $1.13 | $0.87 |
| Wire Transfer (Domestic Out) | $25 | $25 | Same |
| Wire Transfer (Int'l Out) | $45 | $45 | Same |
| Stop Payment | $30 | $25 | $5 |
| Cashier's Check | $7 | $5 | $2 |
| Debit Card Replacement | $7.75 | $10 | $2.25 |
| Deposited Item Return | $10 | $23 | $13 |
| Wire Transfer (Domestic In) | $15 | $10 | $5 |
| OD Protection Transfer | $5 | $5 | Same |
| Paper Statement | $2 | $2 | Same |
Monthly Maintenance runs $1.75 below the New York median.
Overdraft (OD)
$30
of 56 institutions publishing
$30
of 101 institutions publishing
NSF / Returned Item
$30
of 90 institutions publishing
$30
of 140 institutions publishing
Monthly Maintenance
$3.25
of 24 institutions publishing
$5
of 65 institutions publishing
Non-Network ATM
$1
of 37 institutions publishing
$1.50
of 85 institutions publishing
Wire Transfer (Domestic Out)
$25
of 78 institutions publishing
$25
of 136 institutions publishing
Difference: the group median against the New York median, up arrow above, down arrow below. Colour shows direction only: above or below the median is not good or bad.
Wire Transfer (Int'l Out)
$50
of 45 institutions publishing
$45
of 91 institutions publishing
Stop Payment
$25
of 99 institutions publishing
$25
of 171 institutions publishing
Cashier's Check
$5
of 59 institutions publishing
$5
of 126 institutions publishing
Debit Card Replacement
$10
of 86 institutions publishing
$10
of 141 institutions publishing
Deposited Item Return
$25
of 57 institutions publishing
$20
of 96 institutions publishing
Wire Transfer (Domestic In)
$10
of 42 institutions publishing
$10
of 75 institutions publishing
OD Protection Transfer
$5
of 29 institutions publishing
$5
of 58 institutions publishing
Paper Statement
$2
of 18 institutions publishing
$2
of 41 institutions publishing
Minimum Balance
$6.25
of 10 institutions publishing
$7
of 18 institutions publishing
Foreign Transaction
Too few to compare
of 2 institutions publishing
$1.50
of 7 institutions publishing
The five largest banks hold 48% of bank deposits in New York. 383 banks and credit unions are headquartered here; 3,975 bank branches and 1,097 credit union branches serve the state, wherever headquartered.
New York bank service charges rose 22.2% 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.
$410.6MQ2 2026
+22.2% from Q2 2025
$110.6MQ2 2026
+11.6% from Q2 2025
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The New York medians against the U.S., sent to you and updated as schedules are verified.
Lower in New York: minimum balance −$0.50, foreign transaction −$0.50. The other 13 fees are about the same.
Minimum Balance
New York $7 (18 inst.) · District $7.50 (30 inst.)
Foreign Transaction
New York $1.50 (7 inst.) · District $2 (9 inst.)
Overdraft (OD)
New York $30 (101 inst.) · District $30 (145 inst.)
NSF / Returned Item
New York $30 (140 inst.) · District $30 (194 inst.)
Monthly Maintenance
New York $5 (65 inst.) · District $5 (97 inst.)
| Fee | New York | District | Lower in New York Higher in New York | Gap |
|---|---|---|---|---|
| Minimum Balance | $718 inst. | $7.5030 inst. | −$0.50 | |
| Foreign Transaction | $1.507 inst. | $29 inst. | −$0.50 | |
| Overdraft (OD) | $30101 inst. | $30145 inst. | Same | |
| NSF / Returned Item | $30140 inst. | $30194 inst. | Same | |
| Monthly Maintenance | $565 inst. | $597 inst. | Same |
What the Fed sees in the district
“Economic activity in the Second District increased slightly, led by strength in manufacturing.”
3 of 15 New York medians sit above the U.S. median. New York medians count institutions headquartered in New York; U.S. medians count every institution in the index.
$30
Median of 101 New York institutions. U.S. $30.
New York institutionsNational middle range
New York unemployment was 4.3% in September 2026, against 4.2% for the U.S.
New York
Unemployment rate, against the U.S.
Sep 2021 to Sep 2026
Median household income in New York: $86K (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.
Per $1 billion of deposits.
Hamilton, the Fee Insight workspace, sets an institution's own fees beside institutions its size in New York.
From 192 New York 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