Richmond Fed · District 5

Bank fees in West Virginia

Name: West Virginia Bank and Credit Union Fees Compared
Creator: Fee Insight

Overdraft and NSF medians are about the same as the national median. The wire transfer (domestic in) median is $5 above the national median.

institutions with published feesof 115 headquartered in West Virginia: 40
medians fall within the national middle 50%: 12 of 13

Data refreshed Nov 2, 2026

Get the free West Virginia report

Local fee benchmarks

Huntington's monthly maintenance median is $11; West Virginia's is $8.

Monthly Maintenance median by market, institutions with a branch thereWest Virginia $8, 11 institutions

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

Huntington
10 institutions
$11
West Virginia
11 institutions
$8
Richmond Fed district
120 institutions
$7.25
U.S.
1,904 institutions
$6.99

Who each median counts

Huntington: With a branch in Huntington, wherever headquartered
West Virginia: Headquartered in West Virginia
Richmond Fed district: Headquartered in the Richmond Fed district
U.S.: Every institution in the index

Huntington

Fee data available for 15 of 24 institutions

Compare Huntington 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.

West Virginia's banks and credit unions

40 of the 115 institutions headquartered in West Virginia have published fees here, and 40 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 6 fees, among institutions headquartered in West Virginia.

lower at credit unions: 5
lower at banks: 1

6 fees with both a bank and a credit union median in West Virginia.

Lower at credit unions

Lower at banks

Fee

Overdraft (OD)

Credit unions $5 lower in West Virginia.

$35

Banks

median of 9

$30

Credit unions

median of 19

One fee with a lower bank median

Debit Card Replacement

$7.50

Banks

median of 8

$10

Credit unions

median of 20

Every fee, banks against credit unions

Bank and credit union medians in West Virginia; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$35	$30	$5
NSF / Returned Item	$35	$30	$5
Wire Transfer (Domestic Out)	$25	$20	$5
Stop Payment	$35	$25	$10
Cashier's Check	$6	$3	$3
Debit Card Replacement	$7.50	$10	$2.50

Fee medians by peer group

Institutions under $300M in assets in West Virginia

Matches the West Virginia median on all 3 fees.

Overdraft (OD)
Group median:
$30
of 18 institutions publishing
State median:
$30
of 28 institutions publishing
Difference: Within 1%
NSF / Returned Item
Group median:
$30
of 23 institutions publishing
State median:
$30
of 33 institutions publishing
Difference: Within 1%
Monthly Maintenance
Group median:
Too few to compare
of 5 institutions publishing
State median:
$8
of 11 institutions publishing
Difference: Not compared
Non-Network ATM
Group median:
Too few to compare
of 2 institutions publishing
State median:
$2.50
of 9 institutions publishing
Difference: Not compared
Wire Transfer (Domestic Out)
Group median:
$22.50
of 18 institutions publishing
State median:
$22.50
of 26 institutions publishing
Difference: Within 1%

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

Show all 13

Wire Transfer (Int'l Out)
Group median:
Too few to compare
of 7 institutions publishing
State median:
$50
of 14 institutions publishing
Difference: Not compared
Stop Payment
Group median:
$28.75
of 26 institutions publishing
State median:
$30
of 36 institutions publishing
Difference: $1.25 below
Cashier's Check
Group median:
$4
of 18 institutions publishing
State median:
$5
of 27 institutions publishing
Difference: $1 below
Debit Card Replacement
Group median:
$10
of 20 institutions publishing
State median:
$10
of 28 institutions publishing
Difference: Within 1%
Deposited Item Return
Group median:
$27
of 14 institutions publishing
State median:
$20
of 19 institutions publishing
Difference: $7 above
Wire Transfer (Domestic In)
Group median:
$15
of 13 institutions publishing
State median:
$15
of 18 institutions publishing
Difference: Within 1%
OD Protection Transfer
Group median:
$4
of 14 institutions publishing
State median:
$5
of 17 institutions publishing
Difference: $1 below
Paper Statement
Group median:
Too few to compare
of 5 institutions publishing
State median:
$3
of 9 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 West Virginia median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in West Virginia 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 West Virginia

The five largest banks hold 49% of bank deposits in West Virginia. 115 banks and credit unions are headquartered here; 553 bank branches and 173 credit union branches serve the state, wherever headquartered.

United Bank14.5% · $7.0B across 48 branches
Truist Bank12.5% · $6.0B across 42 branches
WesBanco Bank, Inc.8.7% · $4.2B across 34 branches
City National Bank of West Virginia7.4% · $3.5B across 58 branches
The Huntington National Bank5.7% · $2.8B across 26 branches
Every other bank51.1% · $24.6B

80% of the 41 banks hold $100M to $1B in assets

FDIC asset-size groups

59% of the 74 credit unions hold $10M to $100M in assets

NCUA asset-size groups

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

Fee income

West Virginia bank service charges rose 11.5% 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

$26.1MQ2 2026

+11.5% from Q2 2025

Credit unions: all fee income

$6.0MQ2 2026

+4.9% 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 West Virginia fee report

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

West Virginia versus the Richmond district

Higher in West Virginia: wire transfer +⁠$5, wire transfer +⁠$5, wire transfer +⁠$2.50 and 2 more. Lower in West Virginia: overdraft −⁠$0.50. The other 7 fees are about the same.

Wire Transfer (Int'l Out)
West Virginia $50 (14 inst.) · District $45 (124 inst.)
+$5
Wire Transfer (Domestic In)
West Virginia $15 (18 inst.) · District $10 (123 inst.)
+$5
Wire Transfer (Domestic Out)
West Virginia $22.50 (26 inst.) · District $20 (201 inst.)
+$2.50
Non-Network ATM
West Virginia $2.50 (9 inst.) · District $1.50 (144 inst.)
+$1
Monthly Maintenance
West Virginia $8 (11 inst.) · District $7.25 (120 inst.)
+$0.75

West Virginia median against the Richmond district median, by fee
Fee	West Virginia	District	Gap
Wire Transfer (Int'l Out)	$5014 inst.	$45124 inst.	+$5
Wire Transfer (Domestic In)	$1518 inst.	$10123 inst.	+$5
Wire Transfer (Domestic Out)	$22.5026 inst.	$20201 inst.	+$2.50
Non-Network ATM	$2.509 inst.	$1.50144 inst.	+$1
Monthly Maintenance	$811 inst.	$7.25120 inst.	+$0.75

What the Fed sees in the district

“The Fifth District economy continued to grow at a moderate pace this cycle.”

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

Open the Richmond district report

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

West Virginia versus the U.S.

5 of 13 West Virginia medians sit above the U.S. median. West Virginia medians count institutions headquartered in West Virginia; U.S. medians count every institution in the index.

Overdraft (OD)

$30

Median of 28 West Virginia institutions. U.S. $30.

West Virginia institutionsNational middle range

Explore 18 additional West Virginia fee categories in Hamilton.

Method: Findings rank only fees with at least 10 West Virginia 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

West Virginia unemployment was 4.0% in September 2026, against 4.2% for the U.S.

West Virginia

Unemployment rate, against the U.S.

West VirginiaU.S.

Sep 2021 to Sep 2026

Median household income in West Virginia: $60K (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 West Virginia data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

Richmond district3.0
U.S.1.1

1 West Virginia 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 West Virginia.

See Hamilton plans Or ask for a demo

From 40 West Virginia 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

Bank fees in West Virginia

Overdraft and NSF medians are about the same as the national median. The wire transfer (domestic in) median is $5 above the national median.

institutions with published feesof 115 headquartered in West Virginia

medians fall within the national middle 50%

12 of 13

Data refreshed Nov 2, 2026

Fee

Banks

Credit unions

Difference

Overdraft (OD)

$35

$30

NSF / Returned Item

$35

$30

Wire Transfer (Domestic Out)

$25

$20

Stop Payment

$35

$25

$10

Cashier's Check

Debit Card Replacement

$7.50

$10

$2.50

Fee

West Virginia

District

Lower in West Virginia Higher in West Virginia

Gap

Wire Transfer (Int'l Out)

$5014 inst.

$45124 inst.

+$5

Wire Transfer (Domestic In)

$1518 inst.

$10123 inst.

+$5

Wire Transfer (Domestic Out)

$22.5026 inst.

$20201 inst.

+$2.50

Non-Network ATM

$2.509 inst.

$1.50144 inst.

+$1

Monthly Maintenance

$811 inst.

$7.25120 inst.

+$0.75