Bank Overdraft Fee
Overdraft fees average $35 but the CFPB has been squeezing them down. Some banks now offer $0 overdraft.
Use this page as a benchmark, not as a guaranteed quote or eligibility promise. The price, rate, fee, coverage, or feature set can change with location, customer profile, promotional timing, scope, and provider terms. Compare the current source disclosure before you buy or sign.
FairPrice Guru keeps the benchmark separate from the provider's marketing. A higher price is not automatically unfair when it buys more coverage or a better scope, and a lower headline price is not automatically better when fees, restrictions, or missing features change the real cost.
Price and terms
- Typical: $35 per incident
- Typical range: $0–$39
What this fee covers
Fee charged when your account goes negative and the bank covers the transaction.
Hidden fees to watch
- Multiple fees per day (some banks cap 3-5)
- Continuous overdraft fees
- Non-sufficient funds (NSF) fee — usually similar
Ways to pay less
- Switch to a bank with $0 overdraft (Ally, Capital One 360, SoFi)
- Set balance alerts under $100
- Opt out of debit card overdraft coverage
Official source · Last verified 2026-07-04