Optimize your costs. Strengthen your bank relationships. Lead with data.

The 2026 Commercial Account Analysis Benchmarks is a refreshed and expanded edition of the 2025 report, providing corporate treasurers with industry-leading fee benchmarks and actionable insights into bank pricing structures and profitability—supporting fair, effective bank relationship management in a rapidly evolving environment.

These benchmarks are offered in partnership with Treasury Strategies, a division of Curinos through the NDepth bank fee analysis solution. Built from more than 50 million data points derived from 85,000+ aggregated and anonymized account analysis statements, this report equips treasury teams with the data they need to evaluate pricing, identify savings opportunities and strengthen banking partnerships.

Gain access to average and median pricing for core treasury services, volume-based all-in benchmark curves, industry-specific insights and practical strategies to improve your bank fee position. 

Explore: Bank Fee Analysis in 2026 | About the Data | Using The Benchmarks | All-In Benchmarks | Balance Benchmarks | Industry Insights | Ways To Save

BANK FEE ANALYSIS IN 2026

Managing commercial bank fees in 2026 remains a critical, yet increasingly complex task for corporate treasury. After a few consecutive years of smaller fee increases, many corporates are witnessing a rubber-band effect as banks aim to bring fees back into alignment with the rising costs of delivering these services. By reading this report, you are already taking steps to navigate this shifting financial landscape and foster a mutually productive relationship with your banks in the spirit of fairness and transparency.

ABOUT THE DATA

The aggregated and anonymized NDepth data set is derived from the more than 85,000 actual account analysis statements submitted by companies of all sizes and industries and represent corporate treasury pricing from more than 100 different banks worldwide.

USING THE BENCHMARKS

Service line-item benchmarks are valuable for assessing bank pricing, but their usefulness depends on understanding the nuances of how they should be applied. Misinterpreting them can lead to inaccurate conclusions.

Line-item benchmarks don’t account for:

• Differences in bank pricing schemes
• Economies of scale
• The overall bank relationship

ALL-IN BENCHMARKS

Banks don’t use fully consistent pricing schemes. This can lead to challenges — and even misleading analysis — when using line-item benchmarks, if one isn’t careful. To address this, corporate treasuries can compare pricing across banks based on their all-in pricing by major product family.

BALANCE BENCHMARKS

The current interest-rate environment has incentivized many corporate treasurers to shift balances in order to capture additional yield without additional risk. However, paying bank fees directly rather than through earnings credits may have tax, budgeting and forecasting implications.

INDUSTRY INSIGHTS

Recently rates have been on the decline; however, in a departure from the behaviors exhibited in the previous falling rate cycle, betas have declined, particularly within IBDDA. This is indicative of the competition among banks for commercial deposits, particularly stable operating deposits.

WAYS TO SAVE

While benchmarking against industry pricing can uncover significant savings, many organizations achieve the best results by reassessing their own operations and service usage.

Examples of these savings opportunities may include:

• Reducing usage of physical media (i.e., CDs), facsimiles and paper-based statements and reports
• Reducing overdrafts and transaction rejects and repairs
• Reducing to the extent possible manual and custom bank activities
  

Published January 15, 2026

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