Dallas Fed · District 11

Bank fees in Texas

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

Overdraft and NSF medians are about the same as the national median. The minimum balance median is $3.50 above the national median.

institutions with published feesof 726 headquartered in Texas: 314
medians fall within the national middle 50%: 14 of 14

Data refreshed Nov 4, 2026

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Local fee benchmarks

Houston's non-network ATM median is $2; Texas's is $1.50.

Non-Network ATM median by market, institutions with a branch thereTexas $1.50, 154 institutions

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

Houston
59 institutions
$2
Texas
154 institutions
$1.50
Dallas Fed district
173 institutions
$1.50
U.S.
1,649 institutions
$1.50

Who each median counts

Houston: With a branch in Houston, wherever headquartered
Texas: Headquartered in Texas
Dallas Fed district: Headquartered in the Dallas Fed district
U.S.: Every institution in the index

Houston

Fee data available for 99 of 155 institutions

Compare Houston 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.

Texas's banks and credit unions

314 of the 726 institutions headquartered in Texas have published fees here, and 312 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 8 of 14 fees, among institutions headquartered in Texas.

lower at credit unions: 8
lower at banks: 4
about the same: 2

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

Lower at credit unions

Lower at banks

About the same

Fee

Monthly Maintenance

Credit unions $2.75 lower in Texas.

Banks

median of 62

$6.25

Credit unions

median of 104

Four fees with lower bank medians

NSF / Returned Item

$29.50

Banks

median of 71

$30

Credit unions

median of 181

Debit Card Replacement

Banks

median of 61

$7.50

Credit unions

median of 158

Deposited Item Return

Banks

median of 49

$17.75

Credit unions

median of 104

Minimum Balance

Banks

median of 13

$10

Credit unions

median of 34

Every fee, banks against credit unions

Bank and credit union medians in Texas; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$30	$30	Same
NSF / Returned Item	$29.50	$30	$0.50
Monthly Maintenance	$9	$6.25	$2.75
Non-Network ATM	$1.50	$1.50	Same
Wire Transfer (Domestic Out)	$25	$20	$5
Wire Transfer (Int'l Out)	$50	$45	$5
Stop Payment	$29.75	$28	$1.75
Cashier's Check	$5	$4	$1
Debit Card Replacement	$5	$7.50	$2.50
Deposited Item Return	$5	$17.75	$12.75
OD Protection Transfer	$5	$4	$1
Wire Transfer (Domestic In)	$10	$5	$5
Paper Statement	$4	$3	$1
Minimum Balance	$8	$10	$2

Fee medians by peer group

Institutions under $300M in assets in Texas

Monthly Maintenance runs $1.50 below the Texas median.

Overdraft (OD)
Group median:
$30
of 105 institutions publishing
State median:
$30
of 219 institutions publishing
Difference: Within 1%
NSF / Returned Item
Group median:
$30
of 140 institutions publishing
State median:
$30
of 252 institutions publishing
Difference: Within 1%
Monthly Maintenance
Group median:
$6
of 80 institutions publishing
State median:
$7.50
of 166 institutions publishing
Difference: $1.50 below
Non-Network ATM
Group median:
$1.50
of 77 institutions publishing
State median:
$1.50
of 154 institutions publishing
Difference: Within 1%
Wire Transfer (Domestic Out)
Group median:
$20
of 115 institutions publishing
State median:
$20
of 211 institutions publishing
Difference: Within 1%

Difference: the group median against the Texas median, up arrow above, down arrow below. Colour shows direction only: above or below the median is not good or bad.

Show all 15

Wire Transfer (Int'l Out)
Group median:
$47.50
of 44 institutions publishing
State median:
$50
of 109 institutions publishing
Difference: $2.50 below
Stop Payment
Group median:
$25.50
of 150 institutions publishing
State median:
$28
of 269 institutions publishing
Difference: $2.50 below
Cashier's Check
Group median:
$4
of 98 institutions publishing
State median:
$5
of 199 institutions publishing
Difference: $1 below
Debit Card Replacement
Group median:
$9
of 123 institutions publishing
State median:
$7.50
of 219 institutions publishing
Difference: $1.50 above
Deposited Item Return
Group median:
$15
of 82 institutions publishing
State median:
$12
of 153 institutions publishing
Difference: $3 above
OD Protection Transfer
Group median:
$3.50
of 71 institutions publishing
State median:
$4
of 123 institutions publishing
Difference: $0.50 below
Wire Transfer (Domestic In)
Group median:
$5
of 56 institutions publishing
State median:
$5
of 114 institutions publishing
Difference: Within 1%
Paper Statement
Group median:
$3
of 42 institutions publishing
State median:
$3
of 98 institutions publishing
Difference: Within 1%
Minimum Balance
Group median:
$10
of 23 institutions publishing
State median:
$10
of 47 institutions publishing
Difference: Within 1%
Foreign Transaction
Group median:
Too few to compare
of 2 institutions publishing
State median:
$0.75
of 6 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 Texas median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in Texas 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 4, 2026.

Who serves Texas

The five largest banks hold 42% of bank deposits in Texas. 726 banks and credit unions are headquartered here; 6,258 bank branches and 1,818 credit union branches serve the state, wherever headquartered.

JPMorgan Chase Bank, National Association19.4% · $308.3B across 489 branches
Bank of America, National Association12.6% · $199.8B across 313 branches
Wells Fargo Bank, National Association5.9% · $94.4B across 457 branches
Prosperity Bank2.0% · $31.2B across 326 branches
PNC Bank, National Association1.9% · $30.1B across 319 branches
Every other bank58.2% · $922.5B

63% of the 346 banks hold $100M to $1B in assets

FDIC asset-size groups

43% of the 380 credit unions hold $10M to $100M in assets

NCUA asset-size groups

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

Fee income

Texas bank service charges fell 10.0% 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

$276.4MQ2 2026

−10.0% from Q2 2025

Credit unions: all fee income

$262.6MQ2 2026

+5.4% 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

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

Texas versus the Dallas district

Higher in Texas: deposited item return +⁠$2. Lower in Texas: stop payment −⁠$0.75, OD protection transfer −⁠$0.50. The other 12 fees are about the same.

Deposited Item Return
Texas $12 (153 inst.) · District $10 (170 inst.)
+$2
Stop Payment
Texas $28 (269 inst.) · District $28.75 (297 inst.)
−$0.75
OD Protection Transfer
Texas $4 (123 inst.) · District $4.50 (133 inst.)
−$0.50
Overdraft (OD)
Texas $30 (219 inst.) · District $30 (243 inst.)
Same
NSF / Returned Item
Texas $30 (252 inst.) · District $30 (278 inst.)
Same

Texas median against the Dallas district median, by fee
Fee	Texas	District	Gap
Deposited Item Return	$12153 inst.	$10170 inst.	+$2
Stop Payment	$28269 inst.	$28.75297 inst.	−$0.75
OD Protection Transfer	$4123 inst.	$4.50133 inst.	−$0.50
Overdraft (OD)	$30219 inst.	$30243 inst.	Same
NSF / Returned Item	$30252 inst.	$30278 inst.	Same

What the Fed sees in the district

“Economic activity in the Eleventh District expanded moderately over the reporting period.”

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

Open the Dallas district report

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

Texas versus the U.S.

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

Overdraft (OD)

$30

Median of 219 Texas institutions. U.S. $30.

Texas institutionsNational middle range

Explore 34 additional Texas fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Texas 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

Texas unemployment was 4.4% in September 2026, against 4.2% for the U.S.

Texas

Unemployment rate, against the U.S.

TexasU.S.

Sep 2021 to Sep 2026

Median household income in Texas: $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 Texas data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

U.S.1.1

8 Texas 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 Texas.

See Hamilton plans Or ask for a demo

From 312 Texas banks and credit unions' own published fee schedules, one value per institution; a median needs at least 5 institutions. Data as of Nov 4, 2026. Methodology

Bank fees in Texas

Overdraft and NSF medians are about the same as the national median. The minimum balance median is $3.50 above the national median.

institutions with published feesof 726 headquartered in Texas

314

medians fall within the national middle 50%

14 of 14

Data refreshed Nov 4, 2026

Fee

Banks

Credit unions

Difference

Overdraft (OD)

$30

Same

NSF / Returned Item

$29.50

$30

$0.50

Monthly Maintenance

$6.25

$2.75

Non-Network ATM

$1.50

Same

Wire Transfer (Domestic Out)

$25

$20

Wire Transfer (Int'l Out)

$50

$45

Stop Payment

$29.75

$28

$1.75

Cashier's Check

Debit Card Replacement

$7.50

$2.50

Deposited Item Return

$17.75

$12.75

OD Protection Transfer

Wire Transfer (Domestic In)

$10

Paper Statement

Minimum Balance

$10

Fee

Texas

District

Lower in Texas Higher in Texas

Gap

Deposited Item Return

$12153 inst.

$10170 inst.

+$2

Stop Payment

$28269 inst.

$28.75297 inst.

−$0.75

OD Protection Transfer

$4123 inst.

$4.50133 inst.

−$0.50

Overdraft (OD)

$30219 inst.

$30243 inst.

Same

NSF / Returned Item

$30252 inst.

$30278 inst.

Same