Fee benchmarks for 741 financial institutions in Texas, compared against national medians. Part of Federal Reserve District 11 (Dallas).
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Texas medians against national, sent each time the state index refreshes — plus a link to the sample Competitive Fee Position Report.
Institutions
741
With Fee Data
120
Banks
354
Credit Unions
387
How fees compare between banks and credit unions in this state.
| Charter | Institutions | Fee Observations |
|---|---|---|
| Banks | 354 | 84 |
| Credit Unions | 387 | 96 |
17 fee categories with sufficient data. Green deltas indicate below-national fees; red indicates above.
| Fee Category | Texas Median | National Median | Delta | Institutions |
|---|---|---|---|---|
| NSF / Returned Item | $28.50 | $28.00 | +1.8% | 10 |
| Non-Network ATM | $1.00 | $2.00 | -50.0% | 7 |
| Monthly Maintenance | $12.00 | $7.50 | +60.0% |
Data sourced from published fee schedules of FDIC-insured banks and NCUA-insured credit unions in Texas. 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.
| 7 |
| Stop Payment | $27.50 | $25.00 | +10.0% | 7 |
| Wire Transfer (Domestic Out) | $20.00 | $20.00 | - | 7 |
| OD Protection Transfer | $4.00 | $5.00 | -20.0% | 6 |
| Overdraft (OD) | $23.38 | $25.00 | -6.5% | 6 |
| Wire Transfer (Domestic In) | $8.75 | $10.00 | -12.5% | 6 |
| Debit Card Replacement | $7.50 | $10.00 | -25.0% | 6 |
| Deposited Item Return | $15.00 | $18.75 | -20.0% | 5 |
Data refreshed Oct 5, 2026 · 8,251 verified fees nationally
7 more fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.