Boston Fed · District 1

Bank fees in Vermont

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

The stop payment median is $6.25 below the national median.

institutions with published feesof 24 headquartered in Vermont: 16
medians fall within the national middle 50%: 10 of 12

Data refreshed Nov 2, 2026

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Local fee benchmarks

Burlington's non-network ATM median is $2.25; Vermont's is $1.

Non-Network ATM median by market, institutions with a branch thereVermont $1, 7 institutions

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

Burlington
8 institutions
$2.25
Vermont
7 institutions
$1
Boston Fed district
113 institutions
$1.50
U.S.
1,651 institutions
$1.50

Who each median counts

Burlington: With a branch in Burlington, wherever headquartered
Vermont: Headquartered in Vermont
Boston Fed district: Headquartered in the Boston Fed district
U.S.: Every institution in the index

Burlington

Fee data available for 13 of 14 institutions

Compare Burlington 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.

Vermont's banks and credit unions

16 of the 24 institutions headquartered in Vermont have published fees here, and 16 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 5 fees, among institutions headquartered in Vermont.

lower at credit unions: 5

5 fees with both a bank and a credit union median in Vermont.

Lower at credit unions

Fee

Overdraft (OD)

Credit unions $5 lower in Vermont.

$30

Banks

median of 5

$25

Credit unions

median of 5

Every fee, banks against credit unions

Bank and credit union medians in Vermont; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$30	$25	$5
Wire Transfer (Domestic Out)	$30	$20	$10
Stop Payment	$29	$19	$10
Cashier's Check	$7	$3	$4
Debit Card Replacement	$12.50	$10	$2.50

Who serves Vermont

The five largest banks hold 60% of bank deposits in Vermont. 24 banks and credit unions are headquartered here; 215 bank branches and 82 credit union branches serve the state, wherever headquartered.

TD Bank, National Association20.2% · $3.8B across 18 branches
Manufacturers and Traders Trust Company19.2% · $3.6B across 33 branches
Community Bank, National Association7.9% · $1.5B across 29 branches
Northfield Savings Bank7.0% · $1.3B across 13 branches
Mascoma Bank5.4% · $1.0B across 13 branches
Every other bank40.3% · $7.6B

58% of the 12 banks hold $100M to $1B in assets

FDIC asset-size groups

25% of the 12 credit unions hold $10M to $100M in assets

NCUA asset-size groups

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

Fee income

Vermont bank service charges rose 7.9% 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

$2.3MQ2 2026

+7.9% from Q2 2025

Credit unions: all fee income

$8.7MQ2 2026

−8.3% 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.

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

Vermont versus the Boston district

Lower in Vermont: wire transfer −⁠$5, wire transfer −⁠$5, NSF / returned item −⁠$4.25 and 5 more. The other 4 fees are about the same.

Wire Transfer (Domestic Out)
Vermont $20 (11 inst.) · District $25 (203 inst.)
−$5
Wire Transfer (Int'l Out)
Vermont $35 (7 inst.) · District $40 (146 inst.)
−$5
NSF / Returned Item
Vermont $25 (8 inst.) · District $29.25 (192 inst.)
−$4.25
Stop Payment
Vermont $21.25 (14 inst.) · District $25 (240 inst.)
−$3.75
Overdraft (OD)
Vermont $27 (10 inst.) · District $30 (171 inst.)
−$3

Vermont median against the Boston district median, by fee
Fee	Vermont	District	Gap
Wire Transfer (Domestic Out)	$2011 inst.	$25203 inst.	−$5
Wire Transfer (Int'l Out)	$357 inst.	$40146 inst.	−$5
NSF / Returned Item	$258 inst.	$29.25192 inst.	−$4.25
Stop Payment	$21.2514 inst.	$25240 inst.	−$3.75
Overdraft (OD)	$2710 inst.	$30171 inst.	−$3

What the Fed sees in the district

“Economic activity expanded slightly, with mixed results across sectors.”

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

Open the Boston district report

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

Vermont versus the U.S.

0 of 12 Vermont medians sit above the U.S. median. Vermont medians count institutions headquartered in Vermont; U.S. medians count every institution in the index.

Overdraft (OD)

$27

Median of 10 Vermont institutions. U.S. $30.

Vermont institutionsNational middle range

Explore 9 additional Vermont fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Vermont 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

Vermont unemployment was 2.6% in September 2026, against 4.2% for the U.S.

Vermont

Unemployment rate, against the U.S.

VermontU.S.

Sep 2021 to Sep 2026

Median household income in Vermont: $81K (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.

Where does your institution sit?

Hamilton, the Fee Insight workspace, sets an institution's own fees beside institutions its size in Vermont.

See Hamilton plans Or ask for a demo

From 16 Vermont 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)

$30

$25

Wire Transfer (Domestic Out)

$30

$20

$10

Stop Payment

$29

$19

$10

Cashier's Check

Debit Card Replacement

$12.50

$10

$2.50

Fee

Vermont

District

Lower in Vermont Higher in Vermont

Gap

Wire Transfer (Domestic Out)

$2011 inst.

$25203 inst.

−$5

Wire Transfer (Int'l Out)

$357 inst.

$40146 inst.

−$5

NSF / Returned Item

$258 inst.

$29.25192 inst.

−$4.25

Stop Payment

$21.2514 inst.

$25240 inst.

−$3.75

Overdraft (OD)

$2710 inst.

$30171 inst.

−$3