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What is the average overdraft fee today?

Across the 15 debit and checking accounts SwitchWize tracks overdraft-fee data for, the average overdraft fee is $10. 10 of those accounts charge $0, while the other 5 still charge a real fee, up to $36 at U.S. Bank Smartly Checking.

This figure comes directly from SwitchWize research, verified against each bank's own fee disclosures (15 institutions), refreshed from live rate data — not a fixed estimate. It is not personalized financial advice; your own best move depends on your bank, balance, and goals.

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Reviewed November 12, 2026 by the SwitchWize Research Desk.

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