2026 Pricing and Product Changes Summary
To continue providing a level of service that both meets your operational needs and aligns with evolving business needs, we are adjusting the prices of some services and leaving others unchanged. The impact on your financial institution will depend on your product mix and volume.
2026 pricing that will remain unchanged:
2026 price and product changes:
- Check Services:
- Monthly check participation fees, paper check fees and premium delivery fees will increase.
- Tier assignments will be reset to better align with receiver volume.
- FedACH Services:
- The Information File Extract Fee will increase.
- The FedACH Receipt Discount Program will be expanded to allow institutions with over 1 million monthly ACH receipt items to participate.
- FedCash Services:
- Fee on bundles of cross-shipped volume above the de minimis will increase on volume billed beginning April 1, 2026.
- FedLine Solutions:
- The FedLine connectivity discount program will continue in 2026 for qualifying institutions that upgrade from FedMail® or FedLine Web® to FedLine Advantage or establish a new FedLine Advantage connection for the FedNow Service.
- Additional WAN Connection fees for FedLine Direct® will increase.
- FedComplete® packages will be discontinued as of Jan 1, 2026.
- Fedwire Funds Service:
- Participation fees and the tiered monthly fixed fees will increase.
- National Settlement Service:
- Per-file and per-entry fees will increase.
- Fedwire Securities Service:
- Basic transfer fees and monthly maintenance fees will decrease.
- ACAP fees will increase.
- Multiservice Solutions:
- Establish fees for Payee Name Verification.
Additional resources
If you have questions about fee changes or how they may affect your institution, please contact your relationship manager or our Support Center for access to customer support teams for FedLine Solutions, FedNow, FedACH, Check and Fedwire Services.
The Federal Reserve Board’s press release (Off-site) and Federal Register notice outline more detail on the fee changes planned for 2026.