San Francisco Fed · District 12

Bank fees in Washington

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

Overdraft and NSF medians are $1.50 and $2.75 below the national median.

institutions with published feesof 102 headquartered in Washington: 67
medians fall within the national middle 50%: 14 of 14

Data refreshed Nov 2, 2026

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Local fee benchmarks

Seattle's NSF / returned item median is $12.50; Washington's is $27.25.

NSF / Returned Item median by market, institutions with a branch thereWashington $27.25, 48 institutions

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

Seattle
14 institutions
$12.50
Washington
48 institutions
$27.25
San Francisco Fed district
339 institutions
$25
U.S.
2,858 institutions
$30

Who each median counts

Seattle: With a branch in Seattle, wherever headquartered
Washington: Headquartered in Washington
San Francisco Fed district: Headquartered in the San Francisco Fed district
U.S.: Every institution in the index

Seattle

Fee data available for 31 of 41 institutions

Compare Seattle 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.

Washington's banks and credit unions

67 of the 102 institutions headquartered in Washington have published fees here, and 67 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 10 of 12 fees, among institutions headquartered in Washington.

lower at credit unions: 10
lower at banks: 1
about the same: 1

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

Lower at credit unions

Lower at banks

About the same

Fee

Overdraft (OD)

Credit unions $2 lower in Washington.

$30

Banks

median of 11

$28

Credit unions

median of 37

One fee with a lower bank median

Deposited Item Return

$8.50

Banks

median of 6

$20

Credit unions

median of 24

Every fee, banks against credit unions

Bank and credit union medians in Washington; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$30	$28	$2
NSF / Returned Item	$30	$26	$4
Monthly Maintenance	$9	$5.25	$3.75
Non-Network ATM	$2.50	$2	$0.50
Wire Transfer (Domestic Out)	$25	$20	$5
Wire Transfer (Int'l Out)	$45	$40	$5
Stop Payment	$27.50	$25	$2.50
Cashier's Check	$6	$3	$3
Debit Card Replacement	$10	$7.25	$2.75
Deposited Item Return	$8.50	$20	$11.50
Wire Transfer (Domestic In)	$15	$10	$5
Paper Statement	$3	$3	Same

Fee medians by peer group

Institutions under $300M in assets in Washington

NSF / Returned Item runs $2.25 below the Washington median.

Overdraft (OD)
Group median:
$29
of 21 institutions publishing
State median:
$28.50
of 48 institutions publishing
Difference: $0.50 above
NSF / Returned Item
Group median:
$25
of 27 institutions publishing
State median:
$27.25
of 48 institutions publishing
Difference: $2.25 below
Monthly Maintenance
Group median:
Too few to compare
of 7 institutions publishing
State median:
$7
of 31 institutions publishing
Difference: Not compared
Non-Network ATM
Group median:
Too few to compare
of 5 institutions publishing
State median:
$2
of 16 institutions publishing
Difference: Not compared
Wire Transfer (Domestic Out)
Group median:
$20
of 22 institutions publishing
State median:
$20
of 49 institutions publishing
Difference: Within 1%

Difference: the group median against the Washington 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:
$40
of 15 institutions publishing
State median:
$45
of 33 institutions publishing
Difference: $5 below
Stop Payment
Group median:
$23.75
of 30 institutions publishing
State median:
$25
of 61 institutions publishing
Difference: $1.25 below
Cashier's Check
Group median:
$2
of 20 institutions publishing
State median:
$5
of 42 institutions publishing
Difference: $3 below
Debit Card Replacement
Group median:
$9
of 20 institutions publishing
State median:
$7.50
of 42 institutions publishing
Difference: $1.50 above
Deposited Item Return
Group median:
$20
of 20 institutions publishing
State median:
$15.25
of 30 institutions publishing
Difference: $4.75 above
OD Protection Transfer
Group median:
$4.50
of 20 institutions publishing
State median:
$3
of 29 institutions publishing
Difference: $1.50 above
Wire Transfer (Domestic In)
Group median:
$10
of 12 institutions publishing
State median:
$10
of 23 institutions publishing
Difference: Within 1%
Paper Statement
Group median:
$3
of 8 institutions publishing
State median:
$3
of 22 institutions publishing
Difference: Within 1%
Minimum Balance
Group median:
Too few to compare
of 1 institution publishing
State median:
$6.50
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 Washington median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in Washington 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 Washington

The five largest banks hold 63% of bank deposits in Washington. 102 banks and credit unions are headquartered here; 1,331 bank branches and 667 credit union branches serve the state, wherever headquartered.

Bank of America, National Association19.8% · $41.5B across 119 branches
JPMorgan Chase Bank, National Association14.5% · $30.4B across 147 branches
U.S. Bank National Association11.1% · $23.1B across 136 branches
Wells Fargo Bank, National Association10.4% · $21.8B across 112 branches
Columbia Bank7.5% · $15.7B across 106 branches
Every other bank36.7% · $76.8B

38% of the 29 banks hold $100M to $1B in assets

FDIC asset-size groups

41% of the 73 credit unions hold $10M to $100M in assets

NCUA asset-size groups

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

Fee income

Washington bank service charges rose 6.8% 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

$21.7MQ2 2026

+6.8% from Q2 2025

Credit unions: all fee income

$83.0MQ2 2026

+7.4% 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 Washington medians against the U.S., sent to you and updated as schedules are verified.

Washington versus the San Francisco district

Higher in Washington: overdraft +⁠$3.50, NSF / returned item +⁠$2.25, minimum balance +⁠$1.50. Lower in Washington: wire transfer −⁠$5, deposited item return −⁠$4.75, debit card replacement −⁠$2.50. The other 8 fees are about the same.

Wire Transfer (Domestic Out)
Washington $20 (49 inst.) · District $25 (314 inst.)
−$5
Deposited Item Return
Washington $15.25 (30 inst.) · District $20 (228 inst.)
−$4.75
Overdraft (OD)
Washington $28.50 (48 inst.) · District $25 (287 inst.)
+$3.50
Debit Card Replacement
Washington $7.50 (42 inst.) · District $10 (306 inst.)
−$2.50
NSF / Returned Item
Washington $27.25 (48 inst.) · District $25 (339 inst.)
+$2.25

Washington median against the San Francisco district median, by fee
Fee	Washington	District	Gap
Wire Transfer (Domestic Out)	$2049 inst.	$25314 inst.	−$5
Deposited Item Return	$15.2530 inst.	$20228 inst.	−$4.75
Overdraft (OD)	$28.5048 inst.	$25287 inst.	+$3.50
Debit Card Replacement	$7.5042 inst.	$10306 inst.	−$2.50
NSF / Returned Item	$27.2548 inst.	$25339 inst.	+$2.25

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 Washington 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.

Washington versus the U.S.

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

Overdraft (OD)

$28.50

Median of 48 Washington institutions. U.S. $30.

Washington institutionsNational middle range

Explore 27 additional Washington fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Washington 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

Washington unemployment was 4.8% in September 2026, against 4.2% for the U.S.

Washington

Unemployment rate, against the U.S.

WashingtonU.S.

Sep 2021 to Sep 2026

Median household income in Washington: $98K (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 Washington data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

San Francisco district1.5
U.S.1.1

3 Washington 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 Washington.

See Hamilton plans Or ask for a demo

From 67 Washington 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

$28

NSF / Returned Item

$30

$26

Monthly Maintenance

$5.25

$3.75

Non-Network ATM

$2.50

$0.50

Wire Transfer (Domestic Out)

$25

$20

Wire Transfer (Int'l Out)

$45

$40

Stop Payment

$27.50

$25

$2.50

Cashier's Check

Debit Card Replacement

$10

$7.25

$2.75

Deposited Item Return

$8.50

$20

$11.50

Wire Transfer (Domestic In)

$15

$10

Paper Statement

Same

Fee

Washington

District

Lower in Washington Higher in Washington

Gap

Wire Transfer (Domestic Out)

$2049 inst.

$25314 inst.

−$5

Deposited Item Return

$15.2530 inst.

$20228 inst.

−$4.75

Overdraft (OD)

$28.5048 inst.

$25287 inst.

+$3.50

Debit Card Replacement

$7.5042 inst.

$10306 inst.

−$2.50

NSF / Returned Item

$27.2548 inst.

$25339 inst.

+$2.25