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OFFICIAL PUBLICATION OF THE INDIANA BANKERS ASSOCIATION

June 25, 2025

Large and Small US Banks’ Consumer Deposit Fee Trends Diverge in Q1 2025

Consumer deposit fee trends reversed course in the first quarter as larger banks that had been shrinking fees expanded them and smaller banks with higher reliance pulled back.
In recent years, the industry’s consumer deposit fee income has consistently shrunken as the largest U.S. banks faced intense regulatory and competitive pressure to change their overdraft policies. While some of that pressure trickled down to community banks, most kept their overdraft policies intact.

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