Date of Graduation
5-2024
Document Type
Thesis
Degree Name
Bachelor of Science in Business Administration
Degree Level
Undergraduate
Department
Finance
Advisor/Mentor
Yeager, Timothy J.
Abstract
Bank deposit fees have been at the forefront of bank criticism for years, as many view them as being too severe and having a disproportionate effect on low-income customers. In recent years, there has been a strong push for declines in these rates. In this paper, I analyze banks willingness to decrease deposit fees using data from bank call reports over the 2017 to 2023 time period. Through statistical analysis, I find that various factors such as 2017 deposit fee level, ROA, total assets, average personal deposits, population, median income, and poverty rates are significant in determining bank fee levels and changes. In addition, I find that these factors vary by bank size.
Keywords
banking; deposit fees; overdraft
Citation
Settlage, M. E. (2024). An Analysis of Bank Willingness to Decrease Deposit Fees. Finance Undergraduate Honors Theses Retrieved from https://scholarworks.uark.edu/finnuht/119
Included in
Business Administration, Management, and Operations Commons, Finance and Financial Management Commons
