Fee benchmarks for 96 financial institutions in North Carolina, compared against national medians. Part of Federal Reserve District 5 (Richmond).
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North Carolina medians against national, sent each time the state index refreshes — plus a link to the sample Competitive Fee Position Report.
Institutions
96
With Fee Data
29
Banks
39
Credit Unions
57
How fees compare between banks and credit unions in this state.
| Charter | Institutions | Fee Observations |
|---|---|---|
| Banks | 39 | 48 |
| Credit Unions | 57 | 20 |
5 fee categories with sufficient data. Green deltas indicate below-national fees; red indicates above.
| Fee Category | North Carolina Median | National Median | Delta | Institutions |
|---|---|---|---|---|
| Monthly Maintenance | $8.75 | $17.50 | -50.0% | 10 |
| Paper Statement | $2.00 | $3.00 | -33.3% | 6 |
| Non-Network ATM | $3.25 | $10.00 | -67.5% |
Data sourced from published fee schedules of FDIC-insured banks and NCUA-insured credit unions in North Carolina. 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 |
| Overdraft (OD) | $25.00 | $25.00 | - | 5 |
| NSF / Returned Item | $29.00 | $25.00 | +16.0% | 5 |
Data refreshed Oct 4, 2026 · 5,739 verified fees nationally