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Non-sufficient funds charts

See how your bank, thrift or credit union stands against the best and the worst in the nation when it comes to non-sufficient funds (NSF) fees.

National Average NSF Fees:
InstitutionAverage fee
Banks$24.46
Thrifts$23.72
Credit Unions$18.00
Top 5 credit unions:Fee
Star One Credit Union, Sunnyvale, Calif.$9
Orange County Teachers Federal Credit Union, Santa Ana, Calif.$10
State Employees Credit Union, Raleigh, N.C.$12
The Golden 1 Credit Union, Sacramento, Calif.$12
Patelco Credit Union, San Francisco, Calif.$12
Bottom 5 credit unions:Fee
JAX Navy Federal Credit Union, Jacksonville, Fla.$25
Eastern Financial Federal Credit Union, Miramar, Fla.$25
Portland Teachers Credit Union, Portland, Ore.$25
State Employee Credit Union of Maryland, Baltimore, Md.$25
Digital Employees Federal Credit Union, Maynard, Mass.$25
Top 5 thrifts:Fee
Luther Burbank Savings, San Francisco$10
E*Trade Bank, Washington, D.C.$15
Downey S&L, Los Angeles$18
Fidelity Federal Bank, Los Angeles$18
Washington Mutual Bank, Los Angeles$18
Bottom 5 thrifts:Fee
Commonwealth Bank, Philadelphia$30
Firstrust, Philadelphia$30
Sovereign Bank, Philadelphia$30
Acacia Federal Savings, Washington, D.C.$30
Citibank FSB, Washington, D.C.$30
Top 5 banksFee
Bank of America, Los Angeles$12.50
Bank of America, San Francisco$12.50
Sanwa Bank, Los Angeles$14
Union Bank, Los Angeles$15
Wells Fargo Bank, Los Angeles$15
Bottom 5 banks:Fee
Mellon Bank, Philadelphia$35
Commerce Bank/N.J., Philadelphia$32
First Union, Philadelphia$31
First Virginia Bank, Washington, D.C.$30
Bank of America, Washington, D.C.$30
Bankrate.com researchers Karen Harabin, Kathleen Smith, Marlys Falkner, Maria Betancourt, Delia Cardona, Wayne McDermott, Juanita Maldonado and Eva Garcia compiled this data.

 

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Don Taylorsavings
When you create an emergency fund, consider these investment options.
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or ? See your bank, thrift or credit union's star rating. Find one that's safe enough for you.
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