San Francisco Fed · District 12

Bank fees in Utah

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

Overdraft and NSF medians are $5 below the national median.

institutions with published feesof 93 headquartered in Utah: 39
medians fall within the national middle 50%: 11 of 14

Data refreshed Nov 2, 2026

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Local fee benchmarks

Salt Lake City's stop payment median is $25; Utah's is $15.

Stop Payment median by market, institutions with a branch thereUtah $15, 33 institutions

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

Salt Lake City
39 institutions
$25
Utah
33 institutions
$15
San Francisco Fed district
393 institutions
$25
U.S.
3,349 institutions
$27.50

Who each median counts

Salt Lake City: With a branch in Salt Lake City, wherever headquartered
Utah: Headquartered in Utah
San Francisco Fed district: Headquartered in the San Francisco Fed district
U.S.: Every institution in the index

Salt Lake City

Fee data available for 43 of 79 institutions

Compare Salt Lake City 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.

Utah's banks and credit unions

39 of the 93 institutions headquartered in Utah 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

Banks have lower medians on 5 of 9 fees, among institutions headquartered in Utah.

lower at banks: 5
lower at credit unions: 4

9 fees with both a bank and a credit union median in Utah.

Lower at banks

Lower at credit unions

Fee

Overdraft (OD)

Banks $2 lower in Utah.

$23

Banks

median of 8

$25

Credit unions

median of 17

Four fees with lower credit union medians

Wire Transfer (Domestic Out)

$20

Banks

median of 11

$15

Credit unions

median of 15

Wire Transfer (Int'l Out)

$50

Banks

median of 7

$40

Credit unions

median of 15

Stop Payment

$25

Banks

median of 13

$15

Credit unions

median of 20

Cashier's Check

Banks

median of 5

Credit unions

median of 12

Every fee, banks against credit unions

Bank and credit union medians in Utah; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$23	$25	$2
NSF / Returned Item	$23.75	$25	$1.25
Wire Transfer (Domestic Out)	$20	$15	$5
Wire Transfer (Int'l Out)	$50	$40	$10
Stop Payment	$25	$15	$10
Cashier's Check	$8	$1	$7
Deposited Item Return	$3	$18	$15
Debit Card Replacement	$0	$10	$10
Wire Transfer (Domestic In)	$2.50	$10	$7.50

Fee medians by peer group

Institutions under $300M in assets in Utah

Matches the Utah median on all 3 fees.

Overdraft (OD)
Group median:
$25
of 11 institutions publishing
State median:
$25
of 25 institutions publishing
Difference: Within 1%
NSF / Returned Item
Group median:
$25
of 15 institutions publishing
State median:
$25
of 27 institutions publishing
Difference: Within 1%
Monthly Maintenance
Group median:
Too few to compare
of 5 institutions publishing
State median:
$5.50
of 14 institutions publishing
Difference: Not compared
Non-Network ATM
Group median:
Too few to compare
of 1 institution publishing
State median:
$2
of 9 institutions publishing
Difference: Not compared
Wire Transfer (Domestic Out)
Group median:
$20
of 11 institutions publishing
State median:
$20
of 26 institutions publishing
Difference: Within 1%

Difference: the group median against the Utah 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:
$35
of 9 institutions publishing
State median:
$43.50
of 22 institutions publishing
Difference: $8.50 below
Stop Payment
Group median:
$15
of 14 institutions publishing
State median:
$15
of 33 institutions publishing
Difference: Within 1%
Cashier's Check
Group median:
Too few to compare
of 7 institutions publishing
State median:
$1
of 17 institutions publishing
Difference: Not compared
Deposited Item Return
Group median:
$24
of 11 institutions publishing
State median:
$15
of 21 institutions publishing
Difference: $9 above
Debit Card Replacement
Group median:
$11
of 10 institutions publishing
State median:
$7.50
of 20 institutions publishing
Difference: $3.50 above
Wire Transfer (Domestic In)
Group median:
Too few to compare
of 5 institutions publishing
State median:
$10
of 17 institutions publishing
Difference: Not compared
Paper Statement
Group median:
$2
of 9 institutions publishing
State median:
$2
of 15 institutions publishing
Difference: Within 1%
OD Protection Transfer
Group median:
$2.25
of 8 institutions publishing
State median:
$3
of 11 institutions publishing
Difference: $0.75 below
Minimum Balance
Group median:
Too few to compare
of 3 institutions publishing
State median:
$2.50
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 Utah median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in Utah 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 Utah

The five largest banks hold 6% of bank deposits in Utah. 93 banks and credit unions are headquartered here; 515 bank branches and 545 credit union branches serve the state, wherever headquartered.

JPMorgan Chase Bank, National Association2.2% · $27.1B across 45 branches
Zions Bancorporation, N.A.1.9% · $22.9B across 93 branches
Wells Fargo Bank, National Association1.1% · $13.0B across 70 branches
U.S. Bank National Association0.3% · $3.8B across 39 branches
KeyBank National Association0.3% · $3.7B across 31 branches
Every other bank94.3% · $1.2T

36% of the 42 banks hold $1B to $10B in assets

FDIC asset-size groups

35% of the 51 credit unions hold $10M to $100M in assets

NCUA asset-size groups

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

Fee income

Utah bank service charges rose 10.3% 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

$101.6MQ2 2026

+10.3% from Q2 2025

Credit unions: all fee income

$105.0MQ2 2026

+8.0% 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 Utah fee report

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

Utah versus the San Francisco district

Lower in Utah: stop payment −⁠$10, wire transfer −⁠$5, deposited item return −⁠$5 and 6 more. The other 5 fees are about the same.

Stop Payment
Utah $15 (33 inst.) · District $25 (393 inst.)
−$10
Wire Transfer (Domestic Out)
Utah $20 (26 inst.) · District $25 (314 inst.)
−$5
Deposited Item Return
Utah $15 (21 inst.) · District $20 (228 inst.)
−$5
Cashier's Check
Utah $1 (17 inst.) · District $5 (308 inst.)
−$4
Debit Card Replacement
Utah $7.50 (20 inst.) · District $10 (306 inst.)
−$2.50

Utah median against the San Francisco district median, by fee
Fee	Utah	District	Gap
Stop Payment	$1533 inst.	$25393 inst.	−$10
Wire Transfer (Domestic Out)	$2026 inst.	$25314 inst.	−$5
Deposited Item Return	$1521 inst.	$20228 inst.	−$5
Cashier's Check	$117 inst.	$5308 inst.	−$4
Debit Card Replacement	$7.5020 inst.	$10306 inst.	−$2.50

What the Fed sees in the district

“Economic activity in the Twelfth District was broadly steady during the mid-August through September reporting period.”

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

Open the San Francisco district report

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

Utah versus the U.S.

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

Overdraft (OD)

$25

Median of 25 Utah institutions. U.S. $30.

Utah institutionsNational middle range

Explore 20 additional Utah fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Utah 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

Utah unemployment was 3.5% in September 2026, against 4.2% for the U.S.

Utah

Unemployment rate, against the U.S.

UtahU.S.

Sep 2021 to Sep 2026

Median household income in Utah: $95K (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 Utah data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

Utah2.311
San Francisco district1.5
U.S.1.1

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 Utah.

See Hamilton plans Or ask for a demo

From 39 Utah 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)

$23

$25

NSF / Returned Item

$23.75

$25

$1.25

Wire Transfer (Domestic Out)

$20

$15

Wire Transfer (Int'l Out)

$50

$40

$10

Stop Payment

$25

$15

$10

Cashier's Check

Deposited Item Return

$18

$15

Debit Card Replacement

$10

Wire Transfer (Domestic In)

$2.50

$10

$7.50

Fee

Utah

District

Lower in Utah Higher in Utah

Gap

Stop Payment

$1533 inst.

$25393 inst.

−$10

Wire Transfer (Domestic Out)

$2026 inst.

$25314 inst.

−$5

Deposited Item Return

$1521 inst.

$20228 inst.

−$5

Cashier's Check

$117 inst.

$5308 inst.

−$4

Debit Card Replacement

$7.5020 inst.

$10306 inst.

−$2.50