Bank Bingo

Overdraft and NSF Fees by Bank: 14 US Banks Compared

Bank Fees and Overdrafts, Comparisons Published:

Checked on 2 November 2026: compiled with AI from the official sites listed in the sources, each figure confirmed by two separate searches of the official site or on the page itself, and read by our editor before publication; every month the figures are checked again, automatically. Rules and prices change; the official site always has the last word.

What does an overdraft cost at the big US banks? Below are the overdraft fee, the most fees a day, the NSF fee and the overdraft cushion at 14 banks, each read on the bank’s own site on 2 November 2026.

Your reading tools

Written with AI from the sources listed at the end.

Compare them

Find and compare
A dash means the figure was not confirmed on the official site on the date checked.
Overdraft and NSF Fees by Bank (checked 2 November 2026)
BankOverdraft fee ($)Most fees a dayNSF fee ($)No fee if overdrawn by up to ($)
Chase343050
Bank of America10201
Wells Fargo353010
Citibank0–0–
U.S. Bank363050
PNC36105
TD Bank353–50
Regions36305
Fifth Third–305
KeyBank203020
Huntington153050
Citizens35505
M&T Bank15105
Ally Bank0––250

How to use this table

  • Opting out of overdraft coverage for debit card purchases means a purchase is declined instead of costing a fee.
  • Linking a savings account for overdraft protection usually costs less than an overdraft fee, or nothing.
  • Low-balance alerts by text or app are usually free and are the simplest way to avoid fees.

Before you rely on it

  • Fees can differ by account type and state; the figures are for standard personal checking.
  • Banks change these fees often: the date each row was checked is in the sources.

Sources