San Francisco Fed · District 12

Bank fees in Oregon

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

Overdraft and NSF medians are $5 and $1 below the national median.

institutions with published feesof 59 headquartered in Oregon: 41
medians fall within the national middle 50%: 13 of 14

Data refreshed Nov 2, 2026

Get the free Oregon report

Local fee benchmarks

Portland's non-network ATM median is $2.50; Oregon's is $1.75.

Non-Network ATM median by market, institutions with a branch thereOregon $1.75, 18 institutions

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

Portland
17 institutions
$2.50
Oregon
18 institutions
$1.75
San Francisco Fed district
196 institutions
$2
U.S.
1,651 institutions
$1.50

Who each median counts

Portland: With a branch in Portland, wherever headquartered
Oregon: Headquartered in Oregon
San Francisco Fed district: Headquartered in the San Francisco Fed district
U.S.: Every institution in the index

Portland

Fee data available for 34 of 42 institutions

Compare Portland 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.

Oregon's banks and credit unions

41 of the 59 institutions headquartered in Oregon have published fees here, and 40 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 1 of 1 fees, among institutions headquartered in Oregon.

lower at credit unions: 1

1 fees with both a bank and a credit union median in Oregon.

Lower at credit unions

Fee

Monthly Maintenance

Credit unions $4.25 lower in Oregon.

$9.25

Banks

median of 6

Credit unions

median of 11

Every fee, banks against credit unions

Bank and credit union medians in Oregon; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Monthly Maintenance	$9.25	$5	$4.25

Fee medians by peer group

Institutions under $300M in assets in Oregon

NSF / Returned Item runs $1 above the Oregon median.

Overdraft (OD)
Group median:
$25
of 9 institutions publishing
State median:
$25
of 17 institutions publishing
Difference: Within 1%
NSF / Returned Item
Group median:
$30
of 16 institutions publishing
State median:
$29
of 25 institutions publishing
Difference: $1 above
Monthly Maintenance
Group median:
Too few to compare
of 7 institutions publishing
State median:
$7.50
of 17 institutions publishing
Difference: Not compared
Non-Network ATM
Group median:
Too few to compare
of 7 institutions publishing
State median:
$1.75
of 18 institutions publishing
Difference: Not compared
Wire Transfer (Domestic Out)
Group median:
$25
of 13 institutions publishing
State median:
$25
of 19 institutions publishing
Difference: Within 1%

Difference: the group median against the Oregon 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 8 institutions publishing
State median:
$40
of 13 institutions publishing
Difference: $5 below
Stop Payment
Group median:
$25
of 17 institutions publishing
State median:
$25
of 31 institutions publishing
Difference: Within 1%
Cashier's Check
Group median:
$5
of 8 institutions publishing
State median:
$5
of 19 institutions publishing
Difference: Within 1%
Debit Card Replacement
Group median:
$8
of 19 institutions publishing
State median:
$7.75
of 30 institutions publishing
Difference: $0.25 above
Deposited Item Return
Group median:
$29
of 11 institutions publishing
State median:
$27
of 16 institutions publishing
Difference: $2 above
OD Protection Transfer
Group median:
Too few to compare
of 6 institutions publishing
State median:
$2
of 14 institutions publishing
Difference: Not compared
Paper Statement
Group median:
Too few to compare
of 7 institutions publishing
State median:
$2.95
of 13 institutions publishing
Difference: Not compared
Wire Transfer (Domestic In)
Group median:
Too few to compare
of 7 institutions publishing
State median:
$10
of 13 institutions publishing
Difference: Not compared
Minimum Balance
Group median:
Too few to compare
of 2 institutions publishing
State median:
$5
of 5 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 Oregon median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in Oregon 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 Oregon

The five largest banks hold 76% of bank deposits in Oregon. 59 banks and credit unions are headquartered here; 713 bank branches and 385 credit union branches serve the state, wherever headquartered.

U.S. Bank National Association21.0% · $22.2B across 114 branches
Columbia Bank18.3% · $19.4B across 109 branches
Bank of America, National Association13.1% · $13.9B across 35 branches
Wells Fargo Bank, National Association12.1% · $12.8B across 73 branches
JPMorgan Chase Bank, National Association11.3% · $11.9B across 80 branches
Every other bank24.2% · $25.6B

83% of the 12 banks hold $100M to $1B in assets

FDIC asset-size groups

34% of the 47 credit unions hold $100M to $500M in assets

NCUA asset-size groups

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

Fee income

Oregon bank service charges rose 16.5% 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

$22.5MQ2 2026

+16.5% from Q2 2025

Credit unions: all fee income

$32.9MQ2 2026

+8.4% 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 Oregon fee report

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

Oregon versus the San Francisco district

Higher in Oregon: deposited item return +⁠$7, NSF / returned item +⁠$4, monthly maintenance +⁠$0.51. Lower in Oregon: wire transfer −⁠$5, debit card replacement −⁠$2.25, OD protection transfer −⁠$1 and 2 more. The other 6 fees are about the same.

Deposited Item Return
Oregon $27 (16 inst.) · District $20 (228 inst.)
+$7
Wire Transfer (Int'l Out)
Oregon $40 (13 inst.) · District $45 (214 inst.)
−$5
NSF / Returned Item
Oregon $29 (25 inst.) · District $25 (339 inst.)
+$4
Debit Card Replacement
Oregon $7.75 (30 inst.) · District $10 (306 inst.)
−$2.25
OD Protection Transfer
Oregon $2 (14 inst.) · District $3 (167 inst.)
−$1

Oregon median against the San Francisco district median, by fee
Fee	Oregon	District	Gap
Deposited Item Return	$2716 inst.	$20228 inst.	+$7
Wire Transfer (Int'l Out)	$4013 inst.	$45214 inst.	−$5
NSF / Returned Item	$2925 inst.	$25339 inst.	+$4
Debit Card Replacement	$7.7530 inst.	$10306 inst.	−$2.25
OD Protection Transfer	$214 inst.	$3167 inst.	−$1

What the Fed sees in the district

“Economic activity in the Twelfth District was broadly steady during the mid-August through September reporting period.”

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

Open the San Francisco district report

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

Oregon versus the U.S.

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

Overdraft (OD)

$25

Median of 17 Oregon institutions. U.S. $30.

Oregon institutionsNational middle range

Explore 21 additional Oregon fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Oregon 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

Oregon unemployment was 5.0% in September 2026, against 4.2% for the U.S.

Oregon

Unemployment rate, against the U.S.

OregonU.S.

Sep 2021 to Sep 2026

Median household income in Oregon: $83K (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 Oregon data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

San Francisco district1.5
U.S.1.1

1 Oregon 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 Oregon.

See Hamilton plans Or ask for a demo

From 40 Oregon 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

Monthly Maintenance

$9.25

$4.25

Fee

Oregon

District

Lower in Oregon Higher in Oregon

Gap

Deposited Item Return

$2716 inst.

$20228 inst.

+$7

Wire Transfer (Int'l Out)

$4013 inst.

$45214 inst.

−$5

NSF / Returned Item

$2925 inst.

$25339 inst.

+$4

Debit Card Replacement

$7.7530 inst.

$10306 inst.

−$2.25

OD Protection Transfer

$214 inst.

$3167 inst.

−$1