Cleveland Fed · District 4

Bank fees in Ohio

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

Overdraft and NSF medians are about the same as the national median. The wire transfer (domestic in) median is $5 above the national median.

institutions with published feesof 348 headquartered in Ohio: 162
medians fall within the national middle 50%: 14 of 14

Data refreshed Nov 3, 2026

Get the free Ohio report

Local fee benchmarks

Cincinnati's non-network ATM median is $3; Ohio's is $2.

Non-Network ATM median by market, institutions with a branch thereOhio $2, 61 institutions

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

Cincinnati
20 institutions
$3
Ohio
61 institutions
$2
Cleveland Fed district
93 institutions
$1.50
U.S.
1,650 institutions
$1.50

Who each median counts

Cincinnati: With a branch in Cincinnati, wherever headquartered
Ohio: Headquartered in Ohio
Cleveland Fed district: Headquartered in the Cleveland Fed district
U.S.: Every institution in the index

Cincinnati

Fee data available for 31 of 47 institutions

Compare Cincinnati 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.

Ohio's banks and credit unions

162 of the 348 institutions headquartered in Ohio have published fees here, and 159 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 10 of 14 fees, among institutions headquartered in Ohio.

lower at credit unions: 10
lower at banks: 2
about the same: 2

14 fees with both a bank and a credit union median in Ohio.

Lower at credit unions

Lower at banks

About the same

Fee

Overdraft (OD)

Credit unions $0.50 lower in Ohio.

$30.50

Banks

median of 52

$30

Credit unions

median of 64

Two fees with lower bank medians

Debit Card Replacement

$7.50

Banks

median of 45

$10

Credit unions

median of 64

Deposited Item Return

$11.88

Banks

median of 38

$20

Credit unions

median of 53

Every fee, banks against credit unions

Bank and credit union medians in Ohio; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$30.50	$30	$0.50
NSF / Returned Item	$32	$30	$2
Monthly Maintenance	$7	$5.50	$1.50
Non-Network ATM	$2.50	$1.50	$1
Wire Transfer (Domestic Out)	$25	$20	$5
Wire Transfer (Int'l Out)	$50	$50	Same
Stop Payment	$30	$30	Same
Cashier's Check	$6	$4	$2
Debit Card Replacement	$7.50	$10	$2.50
Deposited Item Return	$11.88	$20	$8.12
Wire Transfer (Domestic In)	$15	$10	$5
Paper Statement	$3	$2	$1
OD Protection Transfer	$5	$4	$1
Minimum Balance	$6	$5	$1

Fee medians by peer group

Institutions under $300M in assets in Ohio

Non-Network ATM runs $0.94 below the Ohio median.

Overdraft (OD)
Group median:
$30
of 70 institutions publishing
State median:
$30
of 116 institutions publishing
Difference: Within 1%
NSF / Returned Item
Group median:
$30
of 70 institutions publishing
State median:
$30
of 109 institutions publishing
Difference: Within 1%
Monthly Maintenance
Group median:
$6.50
of 35 institutions publishing
State median:
$6.73
of 76 institutions publishing
Difference: $0.23 below
Non-Network ATM
Group median:
$1.06
of 32 institutions publishing
State median:
$2
of 61 institutions publishing
Difference: $0.94 below
Wire Transfer (Domestic Out)
Group median:
$25
of 63 institutions publishing
State median:
$25
of 101 institutions publishing
Difference: Within 1%

Difference: the group median against the Ohio 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 37 institutions publishing
State median:
$50
of 66 institutions publishing
Difference: Within 1%
Stop Payment
Group median:
$30
of 83 institutions publishing
State median:
$30
of 130 institutions publishing
Difference: Within 1%
Cashier's Check
Group median:
$5
of 58 institutions publishing
State median:
$5
of 96 institutions publishing
Difference: Within 1%
Debit Card Replacement
Group median:
$10
of 72 institutions publishing
State median:
$10
of 109 institutions publishing
Difference: Within 1%
Deposited Item Return
Group median:
$17.50
of 63 institutions publishing
State median:
$15
of 91 institutions publishing
Difference: $2.50 above
Wire Transfer (Domestic In)
Group median:
$15
of 52 institutions publishing
State median:
$15
of 78 institutions publishing
Difference: Within 1%
Paper Statement
Group median:
$2.73
of 28 institutions publishing
State median:
$3
of 52 institutions publishing
Difference: $0.27 below
OD Protection Transfer
Group median:
$5
of 31 institutions publishing
State median:
$5
of 50 institutions publishing
Difference: Within 1%
Minimum Balance
Group median:
$8.50
of 10 institutions publishing
State median:
$5
of 17 institutions publishing
Difference: $3.50 above

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 Ohio median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in Ohio 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 3, 2026.

Who serves Ohio

The five largest banks hold 68% of bank deposits in Ohio. 348 banks and credit unions are headquartered here; 3,000 bank branches and 756 credit union branches serve the state, wherever headquartered.

U.S. Bank National Association17.9% · $103.6B across 161 branches
The Huntington National Bank16.9% · $97.6B across 342 branches
KeyBank National Association12.9% · $74.5B across 172 branches
Fifth Third Bank, National Association12.0% · $69.6B across 246 branches
JPMorgan Chase Bank, National Association8.0% · $46.2B across 230 branches
Every other bank32.4% · $187.7B

62% of the 156 banks hold $100M to $1B in assets

FDIC asset-size groups

47% of the 192 credit unions hold $10M to $100M in assets

NCUA asset-size groups

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

Fee income

Ohio bank service charges rose 12.1% 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

$2.5BQ2 2026

+12.1% from Q2 2025

Credit unions: all fee income

$71.2MQ2 2026

+8.7% 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 Ohio medians against the U.S., sent to you and updated as schedules are verified.

Ohio versus the Cleveland district

Higher in Ohio: stop payment +⁠$2, non-network ATM +⁠$0.50, monthly maintenance +⁠$0.25. The other 11 fees are about the same.

Stop Payment
Ohio $30 (130 inst.) · District $28 (207 inst.)
+$2
Non-Network ATM
Ohio $2 (61 inst.) · District $1.50 (93 inst.)
+$0.50
Monthly Maintenance
Ohio $6.73 (76 inst.) · District $6.48 (109 inst.)
+$0.25
Overdraft (OD)
Ohio $30 (116 inst.) · District $30 (181 inst.)
Same
NSF / Returned Item
Ohio $30 (109 inst.) · District $30 (184 inst.)
Same

Ohio median against the Cleveland district median, by fee
Fee	Ohio	District	Gap
Stop Payment	$30130 inst.	$28207 inst.	+$2
Non-Network ATM	$261 inst.	$1.5093 inst.	+$0.50
Monthly Maintenance	$6.7376 inst.	$6.48109 inst.	+$0.25
Overdraft (OD)	$30116 inst.	$30181 inst.	Same
NSF / Returned Item	$30109 inst.	$30184 inst.	Same

What the Fed sees in the district

“On balance, business activity in the Fourth District increased modestly in recent weeks, with slight growth expected in the months ahead.”

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

Open the Cleveland district report

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

Ohio versus the U.S.

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

Overdraft (OD)

$30

Median of 116 Ohio institutions. U.S. $30.

Ohio institutionsNational middle range

Explore 31 additional Ohio fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Ohio 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

Ohio unemployment was 3.4% in September 2026, against 4.2% for the U.S.

Ohio

Unemployment rate, against the U.S.

OhioU.S.

Sep 2021 to Sep 2026

Median household income in Ohio: $71K (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 Ohio data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

Cleveland district0.4
U.S.1.1

7 Ohio 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 Ohio.

See Hamilton plans Or ask for a demo

From 159 Ohio banks and credit unions' own published fee schedules, one value per institution; a median needs at least 5 institutions. Data as of Nov 3, 2026. Methodology

Bank fees in Ohio

Overdraft and NSF medians are about the same as the national median. The wire transfer (domestic in) median is $5 above the national median.

institutions with published feesof 348 headquartered in Ohio

162

medians fall within the national middle 50%

14 of 14

Data refreshed Nov 3, 2026

Fee

Banks

Credit unions

Difference

Overdraft (OD)

$30.50

$30

$0.50

NSF / Returned Item

$32

$30

Monthly Maintenance

$5.50

$1.50

Non-Network ATM

$2.50

$1.50

Wire Transfer (Domestic Out)

$25

$20

Wire Transfer (Int'l Out)

$50

Same

Stop Payment

$30

Same

Cashier's Check

Debit Card Replacement

$7.50

$10

$2.50

Deposited Item Return

$11.88

$20

$8.12

Wire Transfer (Domestic In)

$15

$10

Paper Statement

OD Protection Transfer

Minimum Balance

Fee

Ohio

District

Lower in Ohio Higher in Ohio

Gap

Stop Payment

$30130 inst.

$28207 inst.

+$2

Non-Network ATM

$261 inst.

$1.5093 inst.

+$0.50

Monthly Maintenance

$6.7376 inst.

$6.48109 inst.

+$0.25

Overdraft (OD)

$30116 inst.

$30181 inst.

Same

NSF / Returned Item

$30109 inst.

$30184 inst.

Same