State fee report · Kansas City Fed
What Colorado banks and credit unions charge for everyday services, measured against the national Bank Fee Index. Every number comes from verified, published fee schedules.
Executive summary
What the verified data says right now. Each finding is recomputed from live data whenever the index refreshes, and links to the exhibit behind it.
Source: Bank Fee Index, verified published fee schedules. Findings appear only where the sample clears the minimum for a median. Data as of Oct 5, 2026.
Exhibit 1 · Everyday fees
The tick is the median; the shaded band is where the middle half of institutions land. The top bar is Colorado, the bottom bar is the whole country.
Overdraft (OD)
$30.00same vs US
29 CO institutions · 10 banks, 19 CUs
NSF / Returned Item
$30.00same vs US
33 CO institutions · 5 banks, 28 CUs
Monthly Maintenancesmall sample
$10.00+67% vs US
7 CO institutions · 5 banks, 2 CUs
Non-Network ATM
$1.50same vs US
20 CO institutions · 5 banks, 15 CUs
Wire Transfer (Domestic Out)
$25.00+11% vs US
28 CO institutions · 9 banks, 19 CUs
Wire Transfer (Int'l Out)small sample
$45.00−10% vs US
8 CO institutions · 4 banks, 4 CUs
Stop Payment
$28.00+4% vs US
40 CO institutions · 10 banks, 30 CUs
Cashier's Check
$5.00same vs US
26 CO institutions · 6 banks, 20 CUs
Source: Bank Fee Index, verified published fee schedules. One value per institution; a state median needs at least 5 institutions. “Small sample” marks fewer than 10. Data as of Oct 5, 2026.
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Exhibit 2 · Position vs national
Each bar is the Colorado median relative to the national median for the same fee. Right of center means Colorado institutions typically charge more.
Source: Bank Fee Index, verified published fee schedules. Percent difference between the Colorado median and the national median. Gaps beyond 50% are pinned to the edge. Data as of Oct 5, 2026.
Exhibit 3 · Banks vs credit unions
Median price at banks and at credit unions for each fee in Colorado. The gap between the dots is what switching charter would typically save or cost.
Percent is the credit union median relative to the bank median. Gaps beyond 40% are pinned to the edge.
Source: Bank Fee Index, verified published fee schedules. One value per institution; a charter is shown only where it has enough institutions for a median. Data as of Oct 5, 2026.
Exhibit 4 · Coverage & local markets
How many of the state's banks and credit unions have verified fees so far, and the cities with the most. Coverage grows with every monthly pass.
Verified vs monitored
Other Kansas City district states
Cities with the most verified institutions
Source: Bank Fee Index, verified published fee schedules. Monitored institutions are FDIC-insured banks and NCUA-insured credit unions headquartered in Colorado. Data as of Oct 5, 2026.
Appendix · Full benchmark table
Medians, the middle half of prices, and the national comparison for each fee category.
| Fee | Colorado median | Middle half | National median | vs national | Institutions |
|---|---|---|---|---|---|
| Stop Payment | $28.00 | $25.00 – $30.00 | $27.00 | +4% | 40 |
| NSF / Returned Item | $30.00 | $25.00 – $32.00 | $30.00 | in line | 33 |
| Overdraft (OD) | $30.00 | $29.00 – $32.00 | $30.00 | in line | 29 |
| Wire Transfer (Domestic Out) | $25.00 | $20.00 – $25.00 | $22.50 | +11% | 28 |
| Cashier's Check | $5.00 | $3.25 – $5.75 | $5.00 | in line | 26 |
| Non-Network ATM | $1.50 | $1.00 – $2.63 | $1.50 | in line | 20 |
| Debit Card Replacement | $10.00 | $10.00 – $15.00 | $10.00 | in line | 20 |
| Wire Transfer (Domestic In) | $10.00 | $5.00 – $15.63 | $10.00 | in line | 20 |
| Deposited Item Return | $20.00 | $7.50 – $24.50 | $15.00 | +33% | 15 |
| Paper Statement | $5.00 | $3.00 – $6.00 | $3.00 | +67% | 11 |
| Wire Transfer (Int'l Out) | $45.00 | $37.50 – $50.00 | $50.00 | −10% | 8 |
| Monthly Maintenance | $10.00 | $7.50 – $18.50 | $6.00 | +67% | 7 |
| Minimum Balance | $10.00 | $10.00 – $11.88 | $5.00 | +100% | 6 |
| OD Protection Transfer | $2.50 | $2.00 – $3.00 | $5.00 | −50% | 5 |
Source: Bank Fee Index, verified published fee schedules. Median and 25th to 75th percentile of one value per institution. Data as of Oct 5, 2026.
Methodology
Sources.Published fee schedules from FDIC-insured banks and NCUA-insured credit unions headquartered in Colorado. Every fee is read from the institution's own document and verified before it is published.
Statistics.Each institution counts once per fee, so a bank that lists a fee several times does not outweigh one that lists it once. A median needs at least 5 institutions; headline findings need at least 10.
Comparison.The national figure is the same statistic over every institution in the Bank Fee Index. Differences under 1% are shown as in line. Full methodology →
20 more fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.