Kansas City Fed · District 10

Bank fees in Wyoming

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

Overdraft and NSF medians are about the same as the national median. The maintenance median is $1 above the national median.

institutions with published feesof 42 headquartered in Wyoming: 17
medians fall within the national middle 50%: 11 of 11

Data refreshed Nov 2, 2026

Get the free Wyoming report

Local fee benchmarks

Cheyenne's monthly maintenance median is $15; Wyoming's is $8.

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

Wyoming's 8 largest markets by institutions with a branch there; marker size follows that count. Every Wyoming city on the map

Overdraft (OD)NSF / Returned Item Monthly Maintenance Stop Payment Wire Transfer (Domestic Out)Paper Statement Debit Card Replacement

Cheyenne
11 institutions
$15
Wyoming
11 institutions
$8
Kansas City Fed district
230 institutions
$7.50
U.S.
1,903 institutions
$7

Who each median counts

Cheyenne: With a branch in Cheyenne, wherever headquartered
Wyoming: Headquartered in Wyoming
Kansas City Fed district: Headquartered in the Kansas City Fed district
U.S.: Every institution in the index

Cheyenne

Fee data available for 16 of 25 institutions

Compare Cheyenne 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.

Wyoming's banks and credit unions

17 of the 42 institutions headquartered in Wyoming have published fees here, and 17 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 and credit unions have about the same median on all 1 fees, among institutions headquartered in Wyoming.

about the same: 1

1 fees with both a bank and a credit union median in Wyoming.

About the same

Fee

Overdraft (OD)

About the same in Wyoming.

$30

Banks

median of 5

$30

Credit unions

median of 9

Every fee, banks against credit unions

Bank and credit union medians in Wyoming; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$30	$30	Same

Fee medians by peer group

Institutions under $300M in assets in Wyoming

Monthly Maintenance runs $0.50 above the Wyoming median.

Overdraft (OD)
Group median:
$30
of 9 institutions publishing
State median:
$30
of 14 institutions publishing
Difference: Within 1%
NSF / Returned Item
Group median:
$29
of 8 institutions publishing
State median:
$30
of 11 institutions publishing
Difference: $1 below
Monthly Maintenance
Group median:
$8.50
of 8 institutions publishing
State median:
$8
of 11 institutions publishing
Difference: $0.50 above
Wire Transfer (Domestic Out)
Group median:
$25
of 9 institutions publishing
State median:
$25
of 12 institutions publishing
Difference: Within 1%
Wire Transfer (Int'l Out)
Group median:
Too few to compare
of 6 institutions publishing
State median:
$50
of 9 institutions publishing
Difference: Not compared

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

Show all 11

Stop Payment
Group median:
$25
of 9 institutions publishing
State median:
$26.50
of 12 institutions publishing
Difference: $1.50 below
Cashier's Check
Group median:
$5
of 8 institutions publishing
State median:
$5
of 11 institutions publishing
Difference: Within 1%
Debit Card Replacement
Group median:
$10
of 9 institutions publishing
State median:
$10
of 12 institutions publishing
Difference: Within 1%
Paper Statement
Group median:
Too few to compare
of 5 institutions publishing
State median:
$3
of 9 institutions publishing
Difference: Not compared
Wire Transfer (Domestic In)
Group median:
Too few to compare
of 6 institutions publishing
State median:
$5
of 8 institutions publishing
Difference: Not compared
Deposited Item Return
Group median:
Too few to compare
of 6 institutions publishing
State median:
$10
of 7 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 Wyoming median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in Wyoming 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 Wyoming

The five largest banks hold 37% of bank deposits in Wyoming. 42 banks and credit unions are headquartered here; 211 bank branches and 66 credit union branches serve the state, wherever headquartered.

First Interstate Bank12.6% · $2.8B across 15 branches
Wells Fargo Bank, National Association10.5% · $2.3B across 16 branches
Glacier Bank6.4% · $1.4B across 17 branches
Pinnacle Bank - Wyoming5.0% · $1.1B across 14 branches
BMO Bank National Association2.1% · $459.0M across 17 branches
Every other bank63.4% · $14.0B

71% of the 24 banks hold $100M to $1B in assets

FDIC asset-size groups

44% of the 18 credit unions hold $100M to $500M in assets

NCUA asset-size groups

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

Fee income

Wyoming bank service charges rose 12.1% 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

$1.8MQ2 2026

+12.1% from Q2 2025

Credit unions: all fee income

$7.2MQ2 2026

+4.4% 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 Wyoming fee report

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

Wyoming versus the Kansas City district

Higher in Wyoming: wire transfer +⁠$5, NSF / returned item +⁠$2, stop payment +⁠$1.50 and 2 more. Lower in Wyoming: wire transfer −⁠$5. The other 5 fees are about the same.

Wire Transfer (Domestic Out)
Wyoming $25 (12 inst.) · District $20 (252 inst.)
+$5
Wire Transfer (Domestic In)
Wyoming $5 (8 inst.) · District $10 (161 inst.)
−$5
NSF / Returned Item
Wyoming $30 (11 inst.) · District $28 (272 inst.)
+$2
Stop Payment
Wyoming $26.50 (12 inst.) · District $25 (319 inst.)
+$1.50
Overdraft (OD)
Wyoming $30 (14 inst.) · District $29 (273 inst.)
+$1

Wyoming median against the Kansas City district median, by fee
Fee	Wyoming	District	Gap
Wire Transfer (Domestic Out)	$2512 inst.	$20252 inst.	+$5
Wire Transfer (Domestic In)	$58 inst.	$10161 inst.	−$5
NSF / Returned Item	$3011 inst.	$28272 inst.	+$2
Stop Payment	$26.5012 inst.	$25319 inst.	+$1.50
Overdraft (OD)	$3014 inst.	$29273 inst.	+$1

What the Fed sees in the district

“Business activity in the Tenth District continued to hold steady in a pattern of subdued conditions punctuated by pockets of strong demand.”

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

Open the Kansas City district report

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

Wyoming versus the U.S.

1 of 11 Wyoming medians sit above the U.S. median. Wyoming medians count institutions headquartered in Wyoming; U.S. medians count every institution in the index.

Overdraft (OD)

$30

Median of 14 Wyoming institutions. U.S. $30.

Wyoming institutionsNational middle range

Explore 12 additional Wyoming fee categories in Hamilton.

Method: Findings rank only fees with at least 10 Wyoming 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

Wyoming unemployment was 3.0% in September 2026, against 4.2% for the U.S.

Wyoming

Unemployment rate, against the U.S.

WyomingU.S.

Sep 2021 to Sep 2026

Median household income in Wyoming: $76K (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 Wyoming.

See Hamilton plans Or ask for a demo

From 17 Wyoming 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 Wyoming

Overdraft and NSF medians are about the same as the national median. The maintenance median is $1 above the national median.

institutions with published feesof 42 headquartered in Wyoming

medians fall within the national middle 50%

11 of 11

Data refreshed Nov 2, 2026

Fee

Banks

Credit unions

Difference

Overdraft (OD)

$30

Same

Fee

Wyoming

District

Lower in Wyoming Higher in Wyoming

Gap

Wire Transfer (Domestic Out)

$2512 inst.

$20252 inst.

+$5

Wire Transfer (Domestic In)

$58 inst.

$10161 inst.

−$5

NSF / Returned Item

$3011 inst.

$28272 inst.

+$2

Stop Payment

$26.5012 inst.

$25319 inst.

+$1.50

Overdraft (OD)

$3014 inst.

$29273 inst.

+$1