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Updated August 2026.
How much do US banks charge for an overdraft? Most charge close to $27. Bankrate’s 2025 study of 245 banks put the average at $26.77. About 6 in 10 of those banks still charge a returned-item fee too, averaging $16.82, when they bounce a payment. Two-thirds of accounts give you a little room first, like a small cushion or an extra day to fix it. Credit unions were not in that study, so that average is for banks.
Overdraft fees by bank, compared
Click a bank name for the full breakdown. If a bank has more than one checking product, both are in that one row.
| Bank | Overdraft fee | Room before the fee | Bounce fee | Accounts |
|---|---|---|---|---|
| Academy Bank | Up to $20 paid item; up to $20 returned item; $100 combined daily max | No OD fee when paid transaction is $5 or less. Linked transfers free | Up to $20 returned-item fee (same-day combined cap with OD fees) | Personal checking. Safe Spending Account avoids OD fees by design |
| Ally Bank | $0 | CoverDraft covers up to $100, or $250 with qualifying deposits. Linked Ally savings transfers are free | $0 | Spending Account |
| Arvest | $17, up to 4 a day | None stated. No grace period | $0 if Arvest returns the item unpaid | Personal checking (Basic/Extended Overdraft Coverage) |
| Bank of America | $10 on Advantage Plus, up to 2 a day. $0 on SafeBalance | On Advantage Plus, no fee if you are overdrawn by $1 or less, or if the item is $1 or less. SafeBalance turns the payment down instead | $0 | Advantage Plus and SafeBalance |
| Capital One | $0 | No overdraft fee. If you qualify, Capital One may still pay some shortfalls for free | $0 | All consumer checking |
| Chase | $34, up to 3 a day | No fee if you end the day overdrawn by $50 or less, or if the item is $5 or less. Overdraft Assist gives you until 11pm Eastern the next business day | Not listed | Total Checking |
| Citibank | $0 | No overdraft fee. Access Checking usually turns the payment down instead | $0 | All personal checking |
| Citizens | $35, up to 5 a day | No fee on items of $5 or less, or if you end the day overdrawn by $5 or less. Peace of Mind rebates the fee if you cover the shortfall by 10pm Eastern the next business day | $0 | One Deposit Checking |
| East West Bank | $30, one a day max | ATM and one-time debit decline unless you opt in. Linked savings overdraft transfers are free | $30, same $30-a-day cap | Value Checking |
| Fifth Third | $35, up to 3 a day on Momentum Checking | No fee if overdrawn $5 or less, or on items of $5 or less. Extra Time until midnight ET next business day on Momentum and Preferred Checking | $0 returned-item fee on current consumer schedule | Momentum and Preferred Checking. Extra Time on both. Express Banking has no overdraft coverage |
| First Horizon | $35, up to 3 a day on FirstView, SmartView, and TotalView. $0 on Access Checking | On FirstView, SmartView, and TotalView, no fee if you end the day overdrawn by $5 or less. Access Checking typically does not pay overdrafts | $0 | FirstView, SmartView, TotalView, and Access Checking |
| Huntington | $15, up to 3 a day | $50 Safety Zone. 24-Hour Grace until midnight the next business day | $0 | Asterisk-Free Checking |
| KeyBank | $20, up to 3 a day | Key Coverage Zone. No fee if you end the day overdrawn by $20 or less | $0 | Key Smart Checking |
| M&T Bank | $15 a day on EZChoice, one fee max. $0 on MyWay | On EZChoice, no fee on items under $5. MyWay usually turns the payment down | $0 | EZChoice and MyWay |
| Navy Federal | $20, one a day per account | No fee on items of $20 or less, or if overdrawn by less than $50 after posting. At $50 even, the fee can apply | $0 | All personal checking |
| PNC | $36, one a day on Standard, Performance, Performance Select, and Virtual Wallet. $0 on Simple Checking | Auto-refund if overdrawn by $5.00 or less after posting. Virtual Wallet Spend Extra Time until 10pm ET next business day | $0 | Standard, Performance, Performance Select, Virtual Wallet, Simple Checking |
| Regions | $36, up to 3 a day | No fee if you are overdrawn by $5 or less after nightly processing. Overdraft Grace until 8pm Central the next business day | $0 | Personal checking |
| Schwab Bank | $0 | No overdraft fee. Shortfalls can be covered from linked Schwab One brokerage cash | $0 | Investor Checking |
| SoFi | $0 | Overdraft Coverage up to $50 on debit card purchases if you have $1,000 in eligible direct deposits in 31 days | $0 | Checking and Savings |
| Synovus | $36, up to 3 a day. $29 on Military Checking | No fee if you are overdrawn by $5 or less, or $50 or less if enrolled in Overdraft Privilege. Budget Checking typically turns the payment down | Not listed | Personal checking. Military Checking is $29. Budget Checking has no standard overdraft coverage |
| TD Bank | $35 on most checking, up to 3 a day. $0 on Essential Banking | No fee if you are overdrawn by $50 or less. Grace Period refunds the fee if you get back to $0 by 11pm Eastern the next business day | $0 | Most personal checking. Essential Banking has no overdraft fee |
| U.S. Bank | $36, up to 3 a day | No fee if you end the day overdrawn by $50 or less, or if the item is $5 or less. Fee Forgiven if your available balance is $0 or more by 11pm Eastern the day you are charged | Not listed | Smartly Checking |
| Webster Bank | $35, up to 4 a day. $0 on Webster Connect Checking | No fee if you end the day overdrawn by $5 or less. ATM and everyday debit decline unless you opt in. Connect Checking does not charge overdraft fees | $0 | Personal checking. Webster Connect Checking has no overdraft fee |
| Wells Fargo | $35 on Everyday Checking, up to 3 a day. $0 on Clear Access | On Everyday Checking, no fee on items of $10 or less, or if you end the day overdrawn by $10 or less. Extra Day Grace until 11:59pm Eastern the next business day. Clear Access has no overdraft fees | $0 | Everyday Checking and Clear Access Banking |
| Woodforest | $32, up to 3 a day | No fee if an item overdraws by $1.00 or less. Linked sweep transfer $5/day | $0 for NSF items returned unpaid | Consumer checking including Second Chance |
Fees checked August 2026 on each bank’s own site.
If the bank turns you down, you still don’t get the money
Sometimes a bank will not pay when your balance is too low. That often means no overdraft fee. It does not mean the purchase worked.
The ATM gives you no cash. The store can refuse your card. A rent or utility payment can bounce, and that company can add its own late fee. The bank will not take that extra fee off for you.
So a “no fee” decline can still cost you, just not at the bank.
Where these numbers come from
We read each bank’s current fee page and overdraft rules. If the bank does not publish a number, we say “Not listed” instead of guessing $0.
Need cash before payday? A small advance can cost less than repeat overdraft fees when you qualify and repay on time.
Compare cash advance apps that can cover a shortfall. If you keep landing in overdraft, an app that fronts you a small amount until payday may cost less than repeat bank fees.
Need more than a few hundred dollars?
- Bigger loans, not tiny advances. Cash advance apps top out fast — PockBox helps you search personal loan offers that often start above $500.
- Any credit score welcome. Compare options from lenders that work with excellent, fair, and poor credit (approval and terms always depend on the lender).
- Free to shop around. Checking rates does not lock you into a loan — compare side by side, then decide.
Overdraft fees by bank FAQ
What is the average US overdraft fee?
$26.77. That is from Bankrate’s 2025 study of 245 banks. Credit unions were not included.
Which banks charge $0 for an overdraft?
Ally Bank charges $0 on spending Account. Capital One charges $0 on consumer checking. Citibank charges $0 on personal checking. Schwab Bank charges $0 on investor Checking. SoFi charges $0 on checking and Savings. Bank of America SafeBalance, Fifth Third Express Banking, First Horizon Access Checking, M&T Bank MyWay, PNC Simple Checking, TD Bank Essential Banking, Webster Bank Webster Connect Checking, and Wells Fargo Clear Access also have no overdraft fee. Other accounts at those same banks can still charge one, which is why the table lists both.
If my card is declined, do I still owe a fee?
Usually not to your bank, if they no longer charge a returned-item fee. You also do not get the thing you were trying to pay for. The store, landlord, or utility can still charge their own late or returned-payment fee because they never got your money.
What is a bounce fee, or NSF fee?
NSF means non-sufficient funds. It is a fee some banks charge when they bounce a payment instead of covering it. Many banks in this table dropped that fee. The company you were paying can still charge you on their side.
