Atlanta Fed · District 6

Bank fees in Tennessee

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

Overdraft and NSF medians are $2 and $1.50 above the national median.

institutions with published feesof 235 headquartered in Tennessee: 106
medians fall within the national middle 50%: 13 of 14

Data refreshed Nov 2, 2026

Get the free Tennessee report

Local fee benchmarks

Memphis's non-network ATM median is $2.25; Tennessee's is $1.

Non-Network ATM median by market, institutions with a branch thereTennessee $1, 34 institutions

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

Memphis
15 institutions
$2.25
Tennessee
34 institutions
$1
Atlanta Fed district
197 institutions
$1.50
U.S.
1,651 institutions
$1.50

Who each median counts

Memphis: With a branch in Memphis, wherever headquartered
Tennessee: Headquartered in Tennessee
Atlanta Fed district: Headquartered in the Atlanta Fed district
U.S.: Every institution in the index

Memphis

Fee data available for 36 of 64 institutions

Compare Memphis 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.

Tennessee's banks and credit unions

106 of the 235 institutions headquartered in Tennessee have published fees here, and 106 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 6 of 13 fees, among institutions headquartered in Tennessee.

lower at credit unions: 6
lower at banks: 3
about the same: 4

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

Lower at credit unions

Lower at banks

About the same

Fee

Overdraft (OD)

Credit unions $1.50 lower in Tennessee.

$32.50

Banks

median of 30

$31

Credit unions

median of 39

Three fees with lower bank medians

Non-Network ATM

Banks

median of 9

$1.50

Credit unions

median of 25

Debit Card Replacement

Banks

median of 21

$10

Credit unions

median of 41

Deposited Item Return

$10

Banks

median of 16

$23.75

Credit unions

median of 30

Every fee, banks against credit unions

Bank and credit union medians in Tennessee; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$32.50	$31	$1.50
NSF / Returned Item	$32	$30.50	$1.50
Monthly Maintenance	$7.98	$5	$2.98
Non-Network ATM	$1	$1.50	$0.50
Wire Transfer (Domestic Out)	$25	$20	$5
Wire Transfer (Int'l Out)	$60	$50	$10
Stop Payment	$32	$30	$2
Cashier's Check	$5	$5	Same
Debit Card Replacement	$7	$10	$3
Deposited Item Return	$10	$23.75	$13.75
Paper Statement	$3	$3	Same
Wire Transfer (Domestic In)	$15	$15	Same
OD Protection Transfer	$5	$5	Same

Fee medians by peer group

Institutions under $300M in assets in Tennessee

Non-Network ATM runs $0.50 above the Tennessee median.

Overdraft (OD)
Group median:
$30.50
of 28 institutions publishing
State median:
$32
of 69 institutions publishing
Difference: $1.50 below
NSF / Returned Item
Group median:
$31.75
of 38 institutions publishing
State median:
$31.50
of 76 institutions publishing
Difference: Within 1%
Monthly Maintenance
Group median:
$6
of 15 institutions publishing
State median:
$6
of 50 institutions publishing
Difference: Within 1%
Non-Network ATM
Group median:
$1.50
of 18 institutions publishing
State median:
$1
of 34 institutions publishing
Difference: $0.50 above
Wire Transfer (Domestic Out)
Group median:
$20
of 26 institutions publishing
State median:
$20
of 54 institutions publishing
Difference: Within 1%

Difference: the group median against the Tennessee 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:
$50
of 20 institutions publishing
State median:
$52.50
of 40 institutions publishing
Difference: $2.50 below
Stop Payment
Group median:
$28
of 44 institutions publishing
State median:
$30
of 87 institutions publishing
Difference: $2 below
Cashier's Check
Group median:
$5
of 32 institutions publishing
State median:
$5
of 67 institutions publishing
Difference: Within 1%
Debit Card Replacement
Group median:
$10
of 31 institutions publishing
State median:
$10
of 62 institutions publishing
Difference: Within 1%
Deposited Item Return
Group median:
$20
of 28 institutions publishing
State median:
$15.50
of 46 institutions publishing
Difference: $4.50 above
Paper Statement
Group median:
$3.24
of 14 institutions publishing
State median:
$3
of 44 institutions publishing
Difference: $0.24 above
Wire Transfer (Domestic In)
Group median:
$15
of 15 institutions publishing
State median:
$15
of 33 institutions publishing
Difference: Within 1%
OD Protection Transfer
Group median:
$5
of 9 institutions publishing
State median:
$5
of 18 institutions publishing
Difference: Within 1%
Minimum Balance
Group median:
Too few to compare
of 4 institutions publishing
State median:
$8.50
of 9 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 Tennessee median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in Tennessee 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 Tennessee

The five largest banks hold 52% of bank deposits in Tennessee. 235 banks and credit unions are headquartered here; 1,928 bank branches and 553 credit union branches serve the state, wherever headquartered.

First Horizon Bank13.6% · $34.1B across 134 branches
Pinnacle Bank12.8% · $32.3B across 57 branches
Bank of America, National Association9.5% · $24.0B across 53 branches
Regions Bank9.2% · $23.1B across 193 branches
Truist Bank6.6% · $16.6B across 98 branches
Every other bank48.3% · $121.5B

66% of the 109 banks hold $100M to $1B in assets

FDIC asset-size groups

52% of the 125 credit unions hold $10M to $100M in assets

NCUA asset-size groups

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

Fee income

Tennessee bank service charges rose 41.9% 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

$106.4MQ2 2026

+41.9% from Q2 2025

Credit unions: all fee income

$65.2MQ2 2026

+14.1% 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 Tennessee fee report

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

Tennessee versus the Atlanta district

Higher in Tennessee: wire transfer +⁠$5, wire transfer +⁠$2.50, overdraft +⁠$2 and 3 more. Lower in Tennessee: monthly maintenance −⁠$1, non-network ATM −⁠$0.50. The other 6 fees are about the same.

Wire Transfer (Domestic In)
Tennessee $15 (33 inst.) · District $10 (191 inst.)
+$5
Wire Transfer (Int'l Out)
Tennessee $52.50 (40 inst.) · District $50 (179 inst.)
+$2.50
Overdraft (OD)
Tennessee $32 (69 inst.) · District $30 (313 inst.)
+$2
NSF / Returned Item
Tennessee $31.50 (76 inst.) · District $30 (335 inst.)
+$1.50
Minimum Balance
Tennessee $8.50 (9 inst.) · District $7 (60 inst.)
+$1.50

Tennessee median against the Atlanta district median, by fee
Fee	Tennessee	District	Gap
Wire Transfer (Domestic In)	$1533 inst.	$10191 inst.	+$5
Wire Transfer (Int'l Out)	$52.5040 inst.	$50179 inst.	+$2.50
Overdraft (OD)	$3269 inst.	$30313 inst.	+$2
NSF / Returned Item	$31.5076 inst.	$30335 inst.	+$1.50
Minimum Balance	$8.509 inst.	$760 inst.	+$1.50

What the Fed sees in the district

“The economy of the Sixth District grew modestly over the reporting period.”

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

Open the Atlanta district report

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

Tennessee versus the U.S.

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

Overdraft (OD)

$32

Median of 69 Tennessee institutions. U.S. $30.

Tennessee institutionsNational middle range

Explore 27 additional Tennessee fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Tennessee 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

Tennessee unemployment was 3.4% in September 2026, against 4.2% for the U.S.

Tennessee

Unemployment rate, against the U.S.

TennesseeU.S.

Sep 2021 to Sep 2026

Median household income in Tennessee: $70K (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 Tennessee data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

Atlanta district0.4
U.S.1.1

3 Tennessee 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 Tennessee.

See Hamilton plans Or ask for a demo

From 106 Tennessee 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)

$32.50

$31

$1.50

NSF / Returned Item

$32

$30.50

$1.50

Monthly Maintenance

$7.98

$2.98

Non-Network ATM

$1.50

$0.50

Wire Transfer (Domestic Out)

$25

$20

Wire Transfer (Int'l Out)

$60

$50

$10

Stop Payment

$32

$30

Cashier's Check

Same

Debit Card Replacement

$10

Deposited Item Return

$10

$23.75

$13.75

Paper Statement

Same

Wire Transfer (Domestic In)

$15

Same

OD Protection Transfer

Same

Fee

Tennessee

District

Lower in Tennessee Higher in Tennessee

Gap

Wire Transfer (Domestic In)

$1533 inst.

$10191 inst.

+$5

Wire Transfer (Int'l Out)

$52.5040 inst.

$50179 inst.

+$2.50

Overdraft (OD)

$3269 inst.

$30313 inst.

+$2

NSF / Returned Item

$31.5076 inst.

$30335 inst.

+$1.50

Minimum Balance

$8.509 inst.

$760 inst.

+$1.50