Fee benchmarks for 175 financial institutions in Kentucky, compared against national medians. Part of Federal Reserve District 4 (Cleveland).
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Kentucky medians against national, sent each time the state index refreshes — plus a link to the sample Competitive Fee Position Report.
Institutions
175
With Fee Data
30
Banks
121
Credit Unions
54
How fees compare between banks and credit unions in this state.
| Charter | Institutions | Fee Observations |
|---|---|---|
| Banks | 121 | 25 |
| Credit Unions | 54 | 35 |
5 fee categories with sufficient data. Green deltas indicate below-national fees; red indicates above.
| Fee Category | Kentucky Median | National Median | Delta | Institutions |
|---|---|---|---|---|
| Monthly Maintenance | $15.00 | $17.50 | -14.3% | 10 |
| Overdraft (OD) | $22.50 | $25.00 | -10.0% | 6 |
| NSF / Returned Item | $30.00 | $25.00 | +20.0% |
Data sourced from published fee schedules of FDIC-insured banks and NCUA-insured credit unions in Kentucky. Medians computed from extracted fee amounts excluding rejected reviews. Delta shows percentage difference from the national median. Institutions with fewer than 3 observations per category are excluded from state-level reporting.
| 6 |
| Minimum Balance | $25.00 | $250.00 | -90.0% | 5 |
| Non-Network ATM | $15.00 | $10.00 | +50.0% | 5 |
Data refreshed Oct 4, 2026 · 5,679 verified fees nationally