Kansas City Fed · District 10

Bank fees in Oklahoma

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

Overdraft and NSF medians are $2.50 below the national median.

institutions with published feesof 221 headquartered in Oklahoma: 101
medians fall within the national middle 50%: 12 of 14

Data refreshed Nov 2, 2026

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Local fee benchmarks

Oklahoma City's non-network ATM median is $1.50; Oklahoma's is $1.

Non-Network ATM median by market, institutions with a branch thereOklahoma $1, 49 institutions

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

Oklahoma City
27 institutions
$1.50
Oklahoma
49 institutions
$1
Kansas City Fed district
166 institutions
$1.50
U.S.
1,649 institutions
$1.50

Who each median counts

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

Oklahoma City

Fee data available for 48 of 73 institutions

Compare Oklahoma City 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.

Oklahoma's banks and credit unions

101 of the 221 institutions headquartered in Oklahoma have published fees here, and 100 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 13 fees, among institutions headquartered in Oklahoma.

lower at credit unions: 8
lower at banks: 2
about the same: 3

13 fees with both a bank and a credit union median in Oklahoma.

Lower at credit unions

Lower at banks

About the same

Fee

Overdraft (OD)

Credit unions $0.50 lower in Oklahoma.

$28

Banks

median of 44

$27.50

Credit unions

median of 27

Two fees with lower bank medians

Debit Card Replacement

$6.50

Banks

median of 41

$7.50

Credit unions

median of 27

Deposited Item Return

Banks

median of 38

$11

Credit unions

median of 14

Every fee, banks against credit unions

Bank and credit union medians in Oklahoma; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$28	$27.50	$0.50
NSF / Returned Item	$27.75	$27.50	Same
Monthly Maintenance	$7.75	$7.25	$0.50
Non-Network ATM	$1.50	$1	$0.50
Wire Transfer (Domestic Out)	$20	$15	$5
Wire Transfer (Int'l Out)	$47.50	$35	$12.50
Stop Payment	$25	$25	Same
Cashier's Check	$5	$3	$2
Debit Card Replacement	$6.50	$7.50	$1
Deposited Item Return	$5	$11	$6
Wire Transfer (Domestic In)	$10	$9	$1
Paper Statement	$3	$3	Same
OD Protection Transfer	$10	$4	$6

Fee medians by peer group

Institutions under $300M in assets in Oklahoma

NSF / Returned Item runs $2.50 below the Oklahoma median.

Overdraft (OD)
Group median:
$26
of 34 institutions publishing
State median:
$27.50
of 71 institutions publishing
Difference: $1.50 below
NSF / Returned Item
Group median:
$25
of 39 institutions publishing
State median:
$27.50
of 73 institutions publishing
Difference: $2.50 below
Monthly Maintenance
Group median:
$7.50
of 28 institutions publishing
State median:
$7.63
of 64 institutions publishing
Difference: $0.13 below
Non-Network ATM
Group median:
$1
of 24 institutions publishing
State median:
$1
of 49 institutions publishing
Difference: Within 1%
Wire Transfer (Domestic Out)
Group median:
$20
of 28 institutions publishing
State median:
$19.48
of 60 institutions publishing
Difference: $0.52 above

Difference: the group median against the Oklahoma 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:
$35
of 12 institutions publishing
State median:
$45
of 42 institutions publishing
Difference: $10 below
Stop Payment
Group median:
$25
of 43 institutions publishing
State median:
$25
of 80 institutions publishing
Difference: Within 1%
Cashier's Check
Group median:
$3
of 31 institutions publishing
State median:
$5
of 67 institutions publishing
Difference: $2 below
Debit Card Replacement
Group median:
$6
of 35 institutions publishing
State median:
$7
of 68 institutions publishing
Difference: $1 below
Deposited Item Return
Group median:
$5
of 27 institutions publishing
State median:
$5
of 52 institutions publishing
Difference: Within 1%
Wire Transfer (Domestic In)
Group median:
$10
of 19 institutions publishing
State median:
$10
of 43 institutions publishing
Difference: Within 1%
Paper Statement
Group median:
$4
of 15 institutions publishing
State median:
$3
of 38 institutions publishing
Difference: $1 above
OD Protection Transfer
Group median:
$5
of 13 institutions publishing
State median:
$5
of 19 institutions publishing
Difference: Within 1%
Minimum Balance
Group median:
$7
of 8 institutions publishing
State median:
$7
of 15 institutions publishing
Difference: Within 1%

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

Source: Institutions headquartered in Oklahoma 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 Oklahoma

The five largest banks hold 41% of bank deposits in Oklahoma. 221 banks and credit unions are headquartered here; 1,281 bank branches and 272 credit union branches serve the state, wherever headquartered.

BOKF, National Association13.6% · $20.3B across 43 branches
MidFirst Bank10.9% · $16.2B across 49 branches
BancFirst7.5% · $11.2B across 116 branches
Arvest Bank4.8% · $7.2B across 79 branches
JPMorgan Chase Bank, National Association4.7% · $7.1B across 29 branches
Every other bank58.5% · $87.4B

62% of the 169 banks hold $100M to $1B in assets

FDIC asset-size groups

38% of the 52 credit unions hold $10M to $100M in assets

NCUA asset-size groups

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

Fee income

Oklahoma bank service charges rose 4.6% 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

$98.8MQ2 2026

+4.6% from Q2 2025

Credit unions: all fee income

$24.3MQ2 2026

−34.1% 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 Oklahoma medians against the U.S., sent to you and updated as schedules are verified.

Oklahoma versus the Kansas City district

Higher in Oklahoma: monthly maintenance +⁠$0.13. Lower in Oklahoma: wire transfer −⁠$5, deposited item return −⁠$5, debit card replacement −⁠$3 and 5 more. The other 5 fees are about the same.

Wire Transfer (Int'l Out)
Oklahoma $45 (42 inst.) · District $50 (169 inst.)
−$5
Deposited Item Return
Oklahoma $5 (52 inst.) · District $10 (197 inst.)
−$5
Debit Card Replacement
Oklahoma $7 (68 inst.) · District $10 (259 inst.)
−$3
Overdraft (OD)
Oklahoma $27.50 (71 inst.) · District $29 (273 inst.)
−$1.50
Wire Transfer (Domestic Out)
Oklahoma $19.48 (60 inst.) · District $20 (251 inst.)
−$0.52

Oklahoma median against the Kansas City district median, by fee
Fee	Oklahoma	District	Gap
Wire Transfer (Int'l Out)	$4542 inst.	$50169 inst.	−$5
Deposited Item Return	$552 inst.	$10197 inst.	−$5
Debit Card Replacement	$768 inst.	$10259 inst.	−$3
Overdraft (OD)	$27.5071 inst.	$29273 inst.	−$1.50
Wire Transfer (Domestic Out)	$19.4860 inst.	$20251 inst.	−$0.52

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 Oklahoma 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.

Oklahoma versus the U.S.

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

Overdraft (OD)

$27.50

Median of 71 Oklahoma institutions. U.S. $30.

Oklahoma institutionsNational middle range

Explore 27 additional Oklahoma fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Oklahoma 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

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

Oklahoma

Unemployment rate, against the U.S.

OklahomaU.S.

Sep 2021 to Sep 2026

Median household income in Oklahoma: $65K (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 Oklahoma data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

U.S.1.1

5 Oklahoma 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 Oklahoma.

See Hamilton plans Or ask for a demo

From 101 Oklahoma 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)

$28

$27.50

$0.50

NSF / Returned Item

$27.75

$27.50

Same

Monthly Maintenance

$7.75

$7.25

$0.50

Non-Network ATM

$1.50

$0.50

Wire Transfer (Domestic Out)

$20

$15

Wire Transfer (Int'l Out)

$47.50

$35

$12.50

Stop Payment

$25

Same

Cashier's Check

Debit Card Replacement

$6.50

$7.50

Deposited Item Return

$11

Wire Transfer (Domestic In)

$10

Paper Statement

Same

OD Protection Transfer

$10

Fee

Oklahoma

District

Lower in Oklahoma Higher in Oklahoma

Gap

Wire Transfer (Int'l Out)

$4542 inst.

$50169 inst.

−$5

Deposited Item Return

$552 inst.

$10197 inst.

−$5

Debit Card Replacement

$768 inst.

$10259 inst.

−$3

Overdraft (OD)

$27.5071 inst.

$29273 inst.

−$1.50

Wire Transfer (Domestic Out)

$19.4860 inst.

$20251 inst.

−$0.52