Philadelphia Fed · District 3

Bank fees in Pennsylvania

Name: Pennsylvania 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 378 headquartered in Pennsylvania: 180
medians fall within the national middle 50%: 14 of 14

Data refreshed Nov 2, 2026

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Local fee benchmarks

Philadelphia's monthly maintenance median is $10; Pennsylvania's is $5.

Monthly Maintenance median by market, institutions with a branch therePennsylvania $5, 68 institutions

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

Philadelphia
25 institutions
$10
Pennsylvania
68 institutions
$5
Philadelphia Fed district
68 institutions
$6.38
U.S.
1,904 institutions
$6.99

Who each median counts

Philadelphia: With a branch in Philadelphia, wherever headquartered
Pennsylvania: Headquartered in Pennsylvania
Philadelphia Fed district: Headquartered in the Philadelphia Fed district
U.S.: Every institution in the index

Philadelphia

Fee data available for 40 of 68 institutions

Compare Philadelphia 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.

Pennsylvania's banks and credit unions

180 of the 378 institutions headquartered in Pennsylvania have published fees here, and 179 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 12 of 14 fees, among institutions headquartered in Pennsylvania.

lower at credit unions: 12
lower at banks: 2

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

Lower at credit unions

Lower at banks

Fee

Overdraft (OD)

Credit unions $5 lower in Pennsylvania.

$35

Banks

median of 30

$30

Credit unions

median of 89

Two fees with lower bank medians

Debit Card Replacement

Banks

median of 37

$10

Credit unions

median of 98

Deposited Item Return

$15

Banks

median of 24

$25

Credit unions

median of 68

Every fee, banks against credit unions

Bank and credit union medians in Pennsylvania; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$35	$30	$5
NSF / Returned Item	$35	$30	$5
Monthly Maintenance	$8	$4.95	$3.05
Non-Network ATM	$2	$1	$1
Wire Transfer (Domestic Out)	$25	$20	$5
Wire Transfer (Int'l Out)	$50	$40	$10
Stop Payment	$32	$20	$12
Cashier's Check	$10	$5	$5
Debit Card Replacement	$8	$10	$2
Deposited Item Return	$15	$25	$10
Wire Transfer (Domestic In)	$15	$10	$5
OD Protection Transfer	$10	$5	$5
Paper Statement	$3	$2	$1
Minimum Balance	$6.49	$5	$1.49

Fee medians by peer group

Institutions under $300M in assets in Pennsylvania

Monthly Maintenance runs $3 below the Pennsylvania median.

Overdraft (OD)
Group median:
$30
of 70 institutions publishing
State median:
$30
of 119 institutions publishing
Difference: Within 1%
NSF / Returned Item
Group median:
$30
of 92 institutions publishing
State median:
$30
of 141 institutions publishing
Difference: Within 1%
Monthly Maintenance
Group median:
$2
of 23 institutions publishing
State median:
$5
of 68 institutions publishing
Difference: $3 below
Non-Network ATM
Group median:
$1
of 30 institutions publishing
State median:
$1.50
of 57 institutions publishing
Difference: $0.50 below
Wire Transfer (Domestic Out)
Group median:
$20
of 75 institutions publishing
State median:
$20
of 117 institutions publishing
Difference: Within 1%

Difference: the group median against the Pennsylvania 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:
$40
of 31 institutions publishing
State median:
$42.50
of 66 institutions publishing
Difference: $2.50 below
Stop Payment
Group median:
$20
of 91 institutions publishing
State median:
$25
of 154 institutions publishing
Difference: $5 below
Cashier's Check
Group median:
$5
of 53 institutions publishing
State median:
$5
of 111 institutions publishing
Difference: Within 1%
Debit Card Replacement
Group median:
$10
of 82 institutions publishing
State median:
$10
of 135 institutions publishing
Difference: Within 1%
Deposited Item Return
Group median:
$25
of 57 institutions publishing
State median:
$20
of 92 institutions publishing
Difference: $5 above
Wire Transfer (Domestic In)
Group median:
$11.50
of 38 institutions publishing
State median:
$15
of 71 institutions publishing
Difference: $3.50 below
OD Protection Transfer
Group median:
$5
of 38 institutions publishing
State median:
$5
of 67 institutions publishing
Difference: Within 1%
Paper Statement
Group median:
$2
of 18 institutions publishing
State median:
$2
of 46 institutions publishing
Difference: Within 1%
Minimum Balance
Group median:
$5
of 13 institutions publishing
State median:
$5.48
of 19 institutions publishing
Difference: $0.48 below

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

Source: Institutions headquartered in Pennsylvania 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 Pennsylvania

The five largest banks hold 46% of bank deposits in Pennsylvania. 378 banks and credit unions are headquartered here; 3,323 bank branches and 990 credit union branches serve the state, wherever headquartered.

PNC Bank, National Association24.7% · $140.2B across 259 branches
Wells Fargo Bank, National Association6.9% · $39.2B across 168 branches
Citizens Bank, National Association6.2% · $34.9B across 213 branches
First National Bank of Pennsylvania4.2% · $24.0B across 186 branches
Bank of America, National Association4.1% · $23.2B across 72 branches
Every other bank53.9% · $305.1B

50% of the 109 banks hold $100M to $1B in assets

FDIC asset-size groups

46% of the 269 credit unions hold $10M to $100M in assets

NCUA asset-size groups

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

Fee income

Pennsylvania bank service charges rose 4.4% 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

$92.6MQ2 2026

+4.4% from Q2 2025

Credit unions: all fee income

$91.3MQ2 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 Pennsylvania medians against the U.S., sent to you and updated as schedules are verified.

Pennsylvania versus the Philadelphia district

Higher in Pennsylvania: wire transfer +⁠$2, wire transfer +⁠$2. Lower in Pennsylvania: wire transfer −⁠$5, overdraft −⁠$2, cashier's check −⁠$2 and 2 more. The other 7 fees are about the same.

Wire Transfer (Domestic Out)
Pennsylvania $20 (117 inst.) · District $25 (107 inst.)
−$5
Overdraft (OD)
Pennsylvania $30 (119 inst.) · District $32 (103 inst.)
−$2
Wire Transfer (Int'l Out)
Pennsylvania $42.50 (66 inst.) · District $40.50 (72 inst.)
+$2
Cashier's Check
Pennsylvania $5 (111 inst.) · District $7 (104 inst.)
−$2
Wire Transfer (Domestic In)
Pennsylvania $15 (71 inst.) · District $13 (67 inst.)
+$2

Pennsylvania median against the Philadelphia district median, by fee
Fee	Pennsylvania	District	Gap
Wire Transfer (Domestic Out)	$20117 inst.	$25107 inst.	−$5
Overdraft (OD)	$30119 inst.	$32103 inst.	−$2
Wire Transfer (Int'l Out)	$42.5066 inst.	$40.5072 inst.	+$2
Cashier's Check	$5111 inst.	$7104 inst.	−$2
Wire Transfer (Domestic In)	$1571 inst.	$1367 inst.	+$2

What the Fed sees in the district

“Economic activity in the Third District grew slightly, after picking up to a modest pace of growth last period.”

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

Open the Philadelphia district report

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

Pennsylvania versus the U.S.

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

Overdraft (OD)

$30

Median of 119 Pennsylvania institutions. U.S. $30.

Pennsylvania institutionsNational middle range

Explore 35 additional Pennsylvania fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Pennsylvania 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

Pennsylvania unemployment was 3.6% in September 2026, against 4.2% for the U.S.

Pennsylvania

Unemployment rate, against the U.S.

PennsylvaniaU.S.

Sep 2021 to Sep 2026

Median household income in Pennsylvania: $78K (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 Pennsylvania data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

Philadelphia district0.7
U.S.1.1

8 Pennsylvania 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 Pennsylvania.

See Hamilton plans Or ask for a demo

From 179 Pennsylvania 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

Bank fees in Pennsylvania

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 378 headquartered in Pennsylvania

180

medians fall within the national middle 50%

14 of 14

Data refreshed Nov 2, 2026

Fee

Banks

Credit unions

Difference

Overdraft (OD)

$35

$30

NSF / Returned Item

$35

$30

Monthly Maintenance

$4.95

$3.05

Non-Network ATM

Wire Transfer (Domestic Out)

$25

$20

Wire Transfer (Int'l Out)

$50

$40

$10

Stop Payment

$32

$20

$12

Cashier's Check

$10

Debit Card Replacement

$10

Deposited Item Return

$15

$25

$10

Wire Transfer (Domestic In)

$15

$10

OD Protection Transfer

$10

Paper Statement

Minimum Balance

$6.49

$1.49

Fee

Pennsylvania

District

Lower in Pennsylvania Higher in Pennsylvania

Gap

Wire Transfer (Domestic Out)

$20117 inst.

$25107 inst.

−$5

Overdraft (OD)

$30119 inst.

$32103 inst.

−$2

Wire Transfer (Int'l Out)

$42.5066 inst.

$40.5072 inst.

+$2

Cashier's Check

$5111 inst.

$7104 inst.

−$2

Wire Transfer (Domestic In)

$1571 inst.

$1367 inst.

+$2