Richmond Fed · District 5

Bank fees in South Carolina

Name: South Carolina Bank and Credit Union Fees Compared
Creator: Fee Insight

Overdraft and NSF medians are $2 and $1 above the national median.

institutions with published feesof 87 headquartered in South Carolina: 39
medians fall within the national middle 50%: 14 of 14

Data refreshed Nov 2, 2026

Get the free South Carolina report

Local fee benchmarks

Greenville's non-network ATM median is $2.25; South Carolina's is $1.50.

Non-Network ATM median by market, institutions with a branch thereSouth Carolina $1.50, 21 institutions

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

Greenville
22 institutions
$2.25
South Carolina
21 institutions
$1.50
Richmond Fed district
144 institutions
$1.50
U.S.
1,651 institutions
$1.50

Who each median counts

Greenville: With a branch in Greenville, wherever headquartered
South Carolina: Headquartered in South Carolina
Richmond Fed district: Headquartered in the Richmond Fed district
U.S.: Every institution in the index

Greenville

Fee data available for 39 of 51 institutions

Compare Greenville 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.

South Carolina's banks and credit unions

39 of the 87 institutions headquartered in South Carolina have published fees here, and 39 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 5 of 12 fees, among institutions headquartered in South Carolina.

lower at credit unions: 5
lower at banks: 4
about the same: 3

12 fees with both a bank and a credit union median in South Carolina.

Lower at credit unions

Lower at banks

About the same

Fee

Wire Transfer (Int'l Out)

Credit unions $10 lower in South Carolina.

$50

Banks

median of 7

$40

Credit unions

median of 7

Four fees with lower bank medians

Overdraft (OD)

$31

Banks

median of 9

$32

Credit unions

median of 19

Monthly Maintenance

Banks

median of 8

$7.98

Credit unions

median of 11

Debit Card Replacement

Banks

median of 10

$10

Credit unions

median of 22

Deposited Item Return

$8.25

Banks

median of 8

$15

Credit unions

median of 9

Every fee, banks against credit unions

Bank and credit union medians in South Carolina; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$31	$32	$1
NSF / Returned Item	$31	$31	Same
Monthly Maintenance	$7	$7.98	$0.98
Non-Network ATM	$1.50	$1.50	Same
Wire Transfer (Domestic Out)	$20	$20	Same
Wire Transfer (Int'l Out)	$50	$40	$10
Stop Payment	$33.50	$30	$3.50
Cashier's Check	$7	$5	$2
Debit Card Replacement	$5	$10	$5
Wire Transfer (Domestic In)	$20	$10	$10
Deposited Item Return	$8.25	$15	$6.75
Minimum Balance	$6	$5.75	$0.25

Fee medians by peer group

Institutions under $300M in assets in South Carolina

Overdraft runs $2 below the South Carolina median.

Overdraft (OD)
Group median:
$30
of 9 institutions publishing
State median:
$32
of 28 institutions publishing
Difference: $2 below
NSF / Returned Item
Group median:
$30
of 11 institutions publishing
State median:
$31
of 30 institutions publishing
Difference: $1 below
Monthly Maintenance
Group median:
Too few to compare
of 3 institutions publishing
State median:
$7.98
of 19 institutions publishing
Difference: Not compared
Non-Network ATM
Group median:
Too few to compare
of 4 institutions publishing
State median:
$1.50
of 21 institutions publishing
Difference: Not compared
Wire Transfer (Domestic Out)
Group median:
$20
of 8 institutions publishing
State median:
$20
of 28 institutions publishing
Difference: Within 1%

Difference: the group median against the South Carolina 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:
Too few to compare
of 4 institutions publishing
State median:
$45
of 14 institutions publishing
Difference: Not compared
Stop Payment
Group median:
$30
of 10 institutions publishing
State median:
$30
of 33 institutions publishing
Difference: Within 1%
Cashier's Check
Group median:
$5
of 9 institutions publishing
State median:
$5
of 30 institutions publishing
Difference: Within 1%
Debit Card Replacement
Group median:
$10
of 10 institutions publishing
State median:
$10
of 32 institutions publishing
Difference: Within 1%
Wire Transfer (Domestic In)
Group median:
Too few to compare
of 5 institutions publishing
State median:
$15
of 19 institutions publishing
Difference: Not compared
Deposited Item Return
Group median:
Too few to compare
of 5 institutions publishing
State median:
$10
of 17 institutions publishing
Difference: Not compared
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 5 institutions publishing
State median:
$4
of 14 institutions publishing
Difference: Not compared
Minimum Balance
Group median:
Too few to compare
of 0 institutions publishing
State median:
$6
of 11 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 South Carolina median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in South Carolina 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 South Carolina

The five largest banks hold 57% of bank deposits in South Carolina. 87 banks and credit unions are headquartered here; 1,165 bank branches and 370 credit union branches serve the state, wherever headquartered.

Bank of America, National Association14.9% · $19.9B across 61 branches
Wells Fargo Bank, National Association13.8% · $18.4B across 102 branches
Truist Bank10.6% · $14.1B across 95 branches
First-Citizens Bank & Trust Company9.3% · $12.5B across 113 branches
SouthState Bank, National Association8.7% · $11.7B across 82 branches
Every other bank42.7% · $57.0B

60% of the 42 banks hold $100M to $1B in assets

FDIC asset-size groups

42% of the 45 credit unions hold $10M to $100M in assets

NCUA asset-size groups

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

Fee income

South Carolina bank service charges rose 6.9% 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

$16.1MQ2 2026

+6.9% from Q2 2025

Credit unions: all fee income

$51.8MQ2 2026

+10.1% 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

Get the free South Carolina fee report

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

South Carolina versus the Richmond district

Higher in South Carolina: wire transfer +⁠$5, overdraft +⁠$1.50, NSF / returned item +⁠$1 and 3 more. Lower in South Carolina: deposited item return −⁠$10, OD protection transfer −⁠$3. The other 6 fees are about the same.

Deposited Item Return
South Carolina $10 (17 inst.) · District $20 (139 inst.)
−$10
Wire Transfer (Domestic In)
South Carolina $15 (19 inst.) · District $10 (123 inst.)
+$5
OD Protection Transfer
South Carolina $2 (14 inst.) · District $5 (76 inst.)
−$3
Overdraft (OD)
South Carolina $32 (28 inst.) · District $30.50 (186 inst.)
+$1.50
NSF / Returned Item
South Carolina $31 (30 inst.) · District $30 (208 inst.)
+$1

South Carolina median against the Richmond district median, by fee
Fee	South Carolina	District	Gap
Deposited Item Return	$1017 inst.	$20139 inst.	−$10
Wire Transfer (Domestic In)	$1519 inst.	$10123 inst.	+$5
OD Protection Transfer	$214 inst.	$576 inst.	−$3
Overdraft (OD)	$3228 inst.	$30.50186 inst.	+$1.50
NSF / Returned Item	$3130 inst.	$30208 inst.	+$1

What the Fed sees in the district

“The Fifth District economy continued to grow at a moderate pace this cycle.”

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

Open the Richmond district report

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

South Carolina versus the U.S.

6 of 14 South Carolina medians sit above the U.S. median. South Carolina medians count institutions headquartered in South Carolina; U.S. medians count every institution in the index.

Overdraft (OD)

$32

Median of 28 South Carolina institutions. U.S. $30.

South Carolina institutionsNational middle range

Explore 21 additional South Carolina fee categories in Hamilton.

Method: Findings rank only fees with at least 10 South Carolina 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

South Carolina unemployment was 4.0% in September 2026, against 4.2% for the U.S.

South Carolina

Unemployment rate, against the U.S.

South CarolinaU.S.

Sep 2021 to Sep 2026

Median household income in South Carolina: $69K (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 South Carolina data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

Richmond district3.0
U.S.1.1

1 South Carolina 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 South Carolina.

See Hamilton plans Or ask for a demo

From 39 South Carolina 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)

$31

$32

NSF / Returned Item

$31

Same

Monthly Maintenance

$7.98

$0.98

Non-Network ATM

$1.50

Same

Wire Transfer (Domestic Out)

$20

Same

Wire Transfer (Int'l Out)

$50

$40

$10

Stop Payment

$33.50

$30

$3.50

Cashier's Check

Debit Card Replacement

$10

Wire Transfer (Domestic In)

$20

$10

Deposited Item Return

$8.25

$15

$6.75

Minimum Balance

$5.75

$0.25

Fee

South Carolina

District

Lower in South Carolina Higher in South Carolina

Gap

Deposited Item Return

$1017 inst.

$20139 inst.

−$10

Wire Transfer (Domestic In)

$1519 inst.

$10123 inst.

+$5

OD Protection Transfer

$214 inst.

$576 inst.

−$3

Overdraft (OD)

$3228 inst.

$30.50186 inst.

+$1.50

NSF / Returned Item

$3130 inst.

$30208 inst.

+$1