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Working Paper
Retail deposit fees and multimarket banking
This paper reports a systematic examination of the determinants of deposit-related retail banking fees using a set of survey data that is unusual for its size, specificity, and sampling properties. The analysis focuses explicitly on six different fees associated with checking accounts and automated teller machine (ATM) usage. A preliminary analysis documents that, on average, multimarket banks charge substantially higher fees than do typically smaller, single-market banks. A more detailed econometric analysis yields results consistent with predictions of recent models. In particular, it finds ...
Journal Article
1986 fee schedule for priced services
Working Paper
Branch banking and the geography of bank pricing
Working Paper
Retail pricing of ATM network services
This paper develops a model of wholesale and retail fee-setting for automated teller machine (ATM) network services, and comparative statics results are derived. Retail ATM fees are shown to be dependent on the demand-side network effect and economies of scale in production of network services. These, in turn, are functions of the size of the ATM network. Survey data on bank fees are linked with the bank's probable ATM network membership, and the retail ATM fees are regressed on ATM network size and other variables in a reduced-form estimation. The results suggest that both network effects in ...
Journal Article
Fee schedules for services by Federal Reserve banks in 1988
Journal Article
Study highlights institutions’ fees
Journal Article
What price convenience: the ATM surcharge debate
Millions of Americans are hooked on the convenience of ATMs. But ready cash is getting more expensive. Should policymakers butt in or let the marketplace decide?
Journal Article
Shopping pays