Chicago Fed · District 7

Bank fees in Wisconsin

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

The NSF median is $1 below the national median; overdraft is about the same.

institutions with published feesof 251 headquartered in Wisconsin: 122
medians fall within the national middle 50%: 13 of 14

Data refreshed Nov 3, 2026

Get the free Wisconsin report

Local fee benchmarks

Brookfield's stop payment median is $30; Wisconsin's is $27.50.

Stop Payment median by market, institutions with a branch thereWisconsin $27.50, 102 institutions

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

Brookfield
22 institutions
$30
Wisconsin
102 institutions
$27.50
Chicago Fed district
464 institutions
$29
U.S.
3,351 institutions
$27.50

Who each median counts

Brookfield: With a branch in Brookfield, wherever headquartered
Wisconsin: Headquartered in Wisconsin
Chicago Fed district: Headquartered in the Chicago Fed district
U.S.: Every institution in the index

Brookfield

Fee data available for 27 of 48 institutions

Compare Brookfield 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.

Wisconsin's banks and credit unions

122 of the 251 institutions headquartered in Wisconsin have published fees here, and 121 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 9 of 14 fees, among institutions headquartered in Wisconsin.

lower at credit unions: 9
lower at banks: 2
about the same: 3

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

Lower at credit unions

Lower at banks

About the same

Fee

Overdraft (OD)

Credit unions $5 lower in Wisconsin.

$30

Banks

median of 46

$25

Credit unions

median of 30

Two fees with lower bank medians

Wire Transfer (Int'l Out)

$50

Banks

median of 35

$65

Credit unions

median of 13

Minimum Balance

$6.25

Banks

median of 8

Credit unions

median of 7

Every fee, banks against credit unions

Bank and credit union medians in Wisconsin; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$30	$25	$5
NSF / Returned Item	$30	$28	$2
Monthly Maintenance	$7.50	$6	$1.50
Non-Network ATM	$1.75	$1	$0.75
Wire Transfer (Domestic Out)	$25	$20	$5
Wire Transfer (Int'l Out)	$50	$65	$15
Stop Payment	$30	$25	$5
Cashier's Check	$5	$3	$2
Debit Card Replacement	$10	$10	Same
Wire Transfer (Domestic In)	$15	$10	$5
Deposited Item Return	$10	$10	Same
Paper Statement	$3	$3	Same
OD Protection Transfer	$6	$5	$1
Minimum Balance	$6.25	$7	$0.75

Fee medians by peer group

Institutions under $300M in assets in Wisconsin

Monthly Maintenance runs $2 below the Wisconsin median.

Overdraft (OD)
Group median:
$27
of 28 institutions publishing
State median:
$30
of 76 institutions publishing
Difference: $3 below
NSF / Returned Item
Group median:
$29
of 36 institutions publishing
State median:
$29
of 75 institutions publishing
Difference: Within 1%
Monthly Maintenance
Group median:
$5
of 18 institutions publishing
State median:
$7
of 50 institutions publishing
Difference: $2 below
Non-Network ATM
Group median:
Too few to compare
of 6 institutions publishing
State median:
$1
of 25 institutions publishing
Difference: Not compared
Wire Transfer (Domestic Out)
Group median:
$20
of 35 institutions publishing
State median:
$25
of 78 institutions publishing
Difference: $5 below

Difference: the group median against the Wisconsin 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:
$60
of 14 institutions publishing
State median:
$51
of 48 institutions publishing
Difference: $9 above
Stop Payment
Group median:
$25
of 45 institutions publishing
State median:
$27.50
of 102 institutions publishing
Difference: $2.50 below
Cashier's Check
Group median:
$5
of 29 institutions publishing
State median:
$5
of 78 institutions publishing
Difference: Within 1%
Debit Card Replacement
Group median:
$10
of 41 institutions publishing
State median:
$10
of 86 institutions publishing
Difference: Within 1%
Wire Transfer (Domestic In)
Group median:
$10
of 28 institutions publishing
State median:
$10
of 60 institutions publishing
Difference: Within 1%
Deposited Item Return
Group median:
$11.75
of 28 institutions publishing
State median:
$10
of 48 institutions publishing
Difference: $1.75 above
Paper Statement
Group median:
$3
of 14 institutions publishing
State median:
$3
of 41 institutions publishing
Difference: Within 1%
OD Protection Transfer
Group median:
$5
of 21 institutions publishing
State median:
$5
of 39 institutions publishing
Difference: Within 1%
Minimum Balance
Group median:
Too few to compare
of 7 institutions publishing
State median:
$6.50
of 15 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 Wisconsin median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in Wisconsin 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 3, 2026.

Who serves Wisconsin

The five largest banks hold 50% of bank deposits in Wisconsin. 251 banks and credit unions are headquartered here; 1,622 bank branches and 733 credit union branches serve the state, wherever headquartered.

U.S. Bank National Association16.3% · $33.8B across 90 branches
Associated Bank, National Association13.1% · $27.1B across 135 branches
BMO Bank National Association10.6% · $22.0B across 145 branches
JPMorgan Chase Bank, National Association6.6% · $13.7B across 65 branches
Nicolet National Bank3.4% · $7.1B across 46 branches
Every other bank49.8% · $103.0B

71% of the 153 banks hold $100M to $1B in assets

FDIC asset-size groups

37% of the 98 credit unions hold $10M to $100M in assets

NCUA asset-size groups

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

Fee income

Wisconsin bank service charges rose 17.8% 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

$43.8MQ2 2026

+17.8% from Q2 2025

Credit unions: all fee income

$62.4MQ2 2026

+6.4% 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

Get the free Wisconsin fee report

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

Wisconsin versus the Chicago district

Higher in Wisconsin: monthly maintenance +⁠$1, wire transfer +⁠$1, minimum balance +⁠$0.50. Lower in Wisconsin: stop payment −⁠$1.50, NSF / returned item −⁠$1, non-network ATM −⁠$0.50. The other 8 fees are about the same.

Stop Payment
Wisconsin $27.50 (102 inst.) · District $29 (464 inst.)
−$1.50
NSF / Returned Item
Wisconsin $29 (75 inst.) · District $30 (376 inst.)
−$1
Monthly Maintenance
Wisconsin $7 (50 inst.) · District $6 (230 inst.)
+$1
Wire Transfer (Int'l Out)
Wisconsin $51 (48 inst.) · District $50 (259 inst.)
+$1
Non-Network ATM
Wisconsin $1 (25 inst.) · District $1.50 (209 inst.)
−$0.50

Wisconsin median against the Chicago district median, by fee
Fee	Wisconsin	District	Gap
Stop Payment	$27.50102 inst.	$29464 inst.	−$1.50
NSF / Returned Item	$2975 inst.	$30376 inst.	−$1
Monthly Maintenance	$750 inst.	$6230 inst.	+$1
Wire Transfer (Int'l Out)	$5148 inst.	$50259 inst.	+$1
Non-Network ATM	$125 inst.	$1.50209 inst.	−$0.50

What the Fed sees in the district

“Economic activity in the Seventh District was flat on balance in late August and September, and contacts expected a slight pace of increase in the coming year.”

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

Open the Chicago district report

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

Wisconsin versus the U.S.

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

Overdraft (OD)

$30

Median of 76 Wisconsin institutions. U.S. $30.

Wisconsin institutionsNational middle range

Explore 31 additional Wisconsin fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Wisconsin 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

Wisconsin unemployment was 3.2% in September 2026, against 4.2% for the U.S.

Wisconsin

Unemployment rate, against the U.S.

WisconsinU.S.

Sep 2021 to Sep 2026

Median household income in Wisconsin: $77K (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 Wisconsin data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

U.S.1.1

1 Wisconsin 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 Wisconsin.

See Hamilton plans Or ask for a demo

From 121 Wisconsin banks and credit unions' own published fee schedules, one value per institution; a median needs at least 5 institutions. Data as of Nov 3, 2026. Methodology

Fee

Banks

Credit unions

Difference

Overdraft (OD)

$30

$25

NSF / Returned Item

$30

$28

Monthly Maintenance

$7.50

$1.50

Non-Network ATM

$1.75

$0.75

Wire Transfer (Domestic Out)

$25

$20

Wire Transfer (Int'l Out)

$50

$65

$15

Stop Payment

$30

$25

Cashier's Check

Debit Card Replacement

$10

Same

Wire Transfer (Domestic In)

$15

$10

Deposited Item Return

$10

Same

Paper Statement

Same

OD Protection Transfer

Minimum Balance

$6.25

$0.75

Fee

Wisconsin

District

Lower in Wisconsin Higher in Wisconsin

Gap

Stop Payment

$27.50102 inst.

$29464 inst.

−$1.50

NSF / Returned Item

$2975 inst.

$30376 inst.

−$1

Monthly Maintenance

$750 inst.

$6230 inst.

+$1

Wire Transfer (Int'l Out)

$5148 inst.

$50259 inst.

+$1

Non-Network ATM

$125 inst.

$1.50209 inst.

−$0.50