Federal Reserve Board announces pricing, effective January 1, 2027, for payment services the Federal Reserve Banks provide to banks and credit unions, and changes to streamline and adjust their check services

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The Federal Reserve Board on Thursday announced pricing, effective January 1, 2027, for payment services the Federal Reserve Banks provide to banks and credit unions, such as the clearing of checks, automated clearing house (ACH) transactions, instant payments, and wholesale payment and settlement services. By law, the Federal Reserve must establish fees to recover the costs, including imputed costs, of providing payment services over the long run. The Federal Reserve expects to recover 101.5 percent of actual and imputed expenses in 2027, including the return on equity that would have been earned if a private-sector firm provided the services. Overall, price changes for 2027 will result in an estimated 1.