Regional Fee Tracker — Pacific Northwest (r3)
Quarterly update (r3): a focused comparison of account maintenance fees, ATM surcharges, and overdraft policies for banks serving OR, WA, ID. Use our tracker to spot fee increases and select the lowest-cost plan for your family.
Region
Pacific Northwest — OR, WA, ID
Banks tracked
27 regional & community banks
Most common monthly fee
$5 — $12 (varies by eligibility)
Recent trends (r3)
Key movements observed across the quarter: automated ATM surcharge alignment, increased minimum balance waivers tied to direct deposit, and banks simplifying overdraft-to-decline.
- 3 banks increased monthly maintenance fees (avg +$2.50)
- 6 banks introduced fee-free ATM networks for customers
- Overdraft fee caps tightened at several credit unions
Sample comparison — PNW banks (select rows)
| Bank | Monthly fee | ATM surcharge | Overdraft | Notes |
|---|---|---|---|---|
| Northwest Community Bank | $8 (waived w/ direct deposit) | $2.00 non-network | $33 per item | New fee-free ATM partners added |
| Sound State Credit Union | $0 (membership) | $0 in-network | $0 (decline / *** OD) | Best for families |
| Pine Branch Bank | $6 | $2.50 | $30 capped at 2/day | Cap introduced this quarter |
Recent updates (detailed)
Analyst note
Our regional analyst reviews fee policy changes and flags consumer-impacting adjustments. If you prefer a guided comparison, reach out and our team will model fee scenarios for your household.
Resources
Find the lowest-fee plan for your family
Enter your priorities in our comparison tool to get a tailored shortlist of accounts that minimize fees in the Pacific Northwest.