Non-sufficient funds charts

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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:
Institution Average 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 banks Fee
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.