New York Fed · District 2

Bank fees in Puerto Rico

Name: Puerto Rico Bank and Credit Union Fees Compared
Creator: Fee Insight

institutions with published feesof 9 headquartered in Puerto Rico: 6

Data refreshed Nov 2, 2026

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Local fee benchmarks

San Juan's stop payment median is $10; Puerto Rico's is $12.50.

Stop Payment median by market, institutions with a branch therePuerto Rico $12.50, 5 institutions

Puerto Rico's 8 largest markets by institutions with a branch there; marker size follows that count. Every Puerto Rico city on the map

Stop Payment Debit Card Replacement

San Juan
5 institutions
$10
Puerto Rico
5 institutions
$12.50
New York Fed district
250 institutions
$25
U.S.
3,350 institutions
$27.50

Who each median counts

San Juan: With a branch in San Juan, wherever headquartered
Puerto Rico: Headquartered in Puerto Rico
New York Fed district: Headquartered in the New York Fed district
U.S.: Every institution in the index

San Juan

Fee data available for 7 of 8 institutions

Compare San Juan 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.

Puerto Rico's banks and credit unions

6 of the 9 institutions headquartered in Puerto Rico have published fees here, and 6 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.

Who serves Puerto Rico

The three largest banks hold 93% of bank deposits in Puerto Rico. 9 banks and credit unions are headquartered here; 260 bank branches and 37 credit union branches serve the state, wherever headquartered.

Banco Popular de Puerto Rico66.4% · $56.8B across 156 branches
FirstBank Puerto Rico15.8% · $13.5B across 57 branches
Oriental Bank11.3% · $9.7B across 43 branches
Every other bank6.5% · $5.6B

75% of the 4 banks hold $10B to $250B in assets

FDIC asset-size groups

50% of the 4 credit unions hold $100M to $500M in assets

NCUA asset-size groups

Source: Institutions headquartered in Puerto Rico, 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. The size charts leave out 1 institution with no assets on file. Bank deposits from the FDIC Summary of Deposits, 2026, for branches in Puerto Rico; credit union branches from NCUA. Leading banks count banks with 10 or more branches in the state.

Fee income

Puerto Rico bank service charges rose 0.6% 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

$52.5MQ2 2026

+0.6% from Q2 2025

Credit unions: all fee income

$626KQ2 2026

+21.8% 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 Puerto Rico medians against the U.S., sent to you and updated as schedules are verified.

Puerto Rico versus the New York district

Lower in Puerto Rico: stop payment −⁠$12.50, debit card replacement −⁠$5.

Stop Payment
Puerto Rico $12.50 (5 inst.) · District $25 (250 inst.)
−$12.50
Debit Card Replacement
Puerto Rico $5 (5 inst.) · District $10 (205 inst.)
−$5

Puerto Rico median against the New York district median, by fee
Fee	Puerto Rico	District	Lower in Puerto Rico Higher in Puerto Rico	Gap
Stop Payment	$12.505 inst.	$25250 inst.		−$12.50
Debit Card Replacement	$55 inst.	$10205 inst.		−$5

What the Fed sees in the district

“Economic activity in the Second District increased slightly, led by strength in manufacturing.”

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

Open the New York district report

Source: Both medians count institutions by headquarters; the district takes in Puerto Rico and the rest of the Federal Reserve's New York 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, New York district.

Puerto Rico versus the U.S.

0 of 2 Puerto Rico medians sit above the U.S. median. Puerto Rico medians count institutions headquartered in Puerto Rico; U.S. medians count every institution in the index.

Stop Payment

$12.50

Median of 5 Puerto Rico institutions. U.S. $27.50.

Puerto Rico institutionsNational middle range

Method: Findings rank only fees with at least 10 Puerto Rico 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

U.S. prices for bank services rose 1.0% in a year.

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. The CPI is national; it has no state figure.

More Puerto Rico data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

New York district0.1
U.S.1.1

3 Puerto Rico 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 Puerto Rico.

See Hamilton plans Or ask for a demo

From 6 Puerto Rico 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

Puerto Rico

District

Lower in Puerto Rico Higher in Puerto Rico

Gap

Stop Payment

$12.505 inst.

$25250 inst.

−$12.50

Debit Card Replacement

$55 inst.

$10205 inst.

−$5