State fee report · San Francisco Fed
What Utah 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 6, 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 Utah, the bottom bar is the whole country.
Overdraft (OD)small sample
$25.00−17% vs US
8 UT institutions · 3 banks, 5 CUs
NSF / Returned Item
$25.00−17% vs US
16 UT institutions · 4 banks, 12 CUs
Monthly Maintenancesmall sample
$3.95−28% vs US
9 UT institutions · 4 banks, 5 CUs
Non-Network ATMsmall sample
$3.00+71% vs US
5 UT institutions · 3 banks, 2 CUs
Wire Transfer (Domestic Out)
$20.00−20% vs US
16 UT institutions · 6 banks, 10 CUs
Wire Transfer (Int'l Out)small sample
$40.00−20% vs US
8 UT institutions · 4 banks, 4 CUs
Stop Payment
$16.25−38% vs US
18 UT institutions · 7 banks, 11 CUs
Cashier's Checksmall sample
$1.00−80% vs US
8 UT institutions · 1 banks, 7 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 6, 2026.
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Exhibit 2 · Position vs national
Each bar is the Utah median relative to the national median for the same fee. Right of center means Utah institutions typically charge more.
Source: Bank Fee Index, verified published fee schedules. Percent difference between the Utah median and the national median. Gaps beyond 50% are pinned to the edge. Data as of Oct 6, 2026.
Exhibit 3 · Banks vs credit unions
Median price at banks and at credit unions for each fee in Utah. 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 6, 2026.
Exhibit 4 · Economy & regulation
The local economy, what the San Francisco Fed is hearing from businesses and lenders, and the latest regulator actions that touch fees.
Utah unemployment rate
3.5%
−0.1 pts vs a year ago
Aug 2021 to Aug 2026
Aug 2026 · BLS via FRED
Utah payroll jobs
+1.0%
1,792k jobs, change vs a year ago
Prices for bank services
+2.0%
vs +3.4% for all consumer prices, 12 months to Aug 2026
Fed funds rate
3.75%
−0.47 pts vs a year ago
San Francisco Fed Beige Book · August 2026
Economic activity
Prices rose modestly, driven by elevated oil prices, tariffs, and higher input costs. Retail sales were stable, while activity in consumer and business services eased slightly. Conditions in the manufacturing and agriculture sectors were little changed. Residential real estate activity declined somewhat, while commercial real estate activity was similar to the prior reporting period. Overall lending activity was stable. Community-serving organizations continued to face heightened demand for support and funding challenges. Contacts maintained a generally soft economic outlook, with similar sentiment to the prior period.
Financial Institutions
Competition for business customers led to borrower-friendly lending terms and loan pricing for firms. Mortgage activity declined somewhat. Credit quality remained solid overall, but some contacts reported increases in delinquencies. Competition for deposits remained strong, which kept deposit rate offers elevated. Some contacts noted declines in consumer bank account balances and higher levels of credit card debt. For more information about District economic conditions visit: https://www.frbsf.org/research-and-insights/publications/san-francisco-fed-twelfth-district-beige-book/ . Back to Top Last Update: September 02, 2026
Regulatory watch
Source: Bureau of Labor Statistics and Federal Reserve series via FRED; Federal Reserve Beige Book; FDIC, OCC, CFPB and Federal Reserve press releases. Shown as published; we add no estimates.
Exhibit 5 · 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 San Francisco 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 Utah. Data as of Oct 6, 2026.
Appendix · Full benchmark table
Medians, the middle half of prices, and the national comparison for each fee category.
| Fee | Utah median | Middle half | National median | vs national | Institutions |
|---|---|---|---|---|---|
| Stop Payment | $16.25 | $15.00 – $25.00 | $26.00 | −38% | 18 |
| Wire Transfer (Domestic Out) | $20.00 | $15.00 – $26.25 | $25.00 | −20% | 16 |
| NSF / Returned Item | $25.00 | $25.00 – $25.00 | $30.00 | −17% | 16 |
| Debit Card Replacement | $5.00 | $0.00 – $12.13 | $10.00 | −50% | 12 |
| Wire Transfer (Domestic In) | $5.00 | $0.00 – $10.00 | $10.00 | −50% | 10 |
| Deposited Item Return | $21.00 | $5.38 – $25.00 | $15.00 | +40% | 10 |
| Monthly Maintenance | $3.95 | $0.00 – $8.00 | $5.49 | −28% | 9 |
| Overdraft (OD) | $25.00 | $15.00 – $25.00 | $30.00 | −17% | 8 |
| Cashier's Check | $1.00 | $0.75 – $1.63 | $5.00 | −80% | 8 |
| Wire Transfer (Int'l Out) | $40.00 | $35.00 – $50.00 | $50.00 | −20% | 8 |
| Paper Statement | $2.50 | $2.00 – $3.25 | $3.00 | −17% | 8 |
| Non-Network ATM | $3.00 | $2.00 – $5.38 | $1.75 | +71% | 5 |
| Minimum Balance | $0.00 | $0.00 – $3.00 | $5.00 | −100% | 5 |
Source: Bank Fee Index, verified published fee schedules. Median and 25th to 75th percentile of one value per institution. Data as of Oct 6, 2026.
Methodology
Sources.Published fee schedules from FDIC-insured banks and NCUA-insured credit unions headquartered in Utah. 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 →
Sep 2021 to Aug 2026
Aug 2026 · BLS via FRED
Aug 2021 to Aug 2026
Aug 2026 · BLS consumer price index
Sep 2021 to Sep 2026
Sep 2026 · Federal Reserve via FRED
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Federal Reserve Board issues enforcement action with former employee of Sandy Spring BankFEDRulemaking· Sep 18, 2026
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