美联储公布银行支付服务 2027 年收费，并调整支票处理服务
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
美联储公布将于 2027 年 1 月 1 日生效的银行和信用合作社支付服务收费，并调整支票服务。2027 年成熟服务平均价格预计上涨 1.4%，美联储预计收回实际及计入成本的 101.5%。支票处理调整包括优化低流量时段的处理窗口、提高处理费用及其他运营更新，不影响消费者和企业使用支票。
November 12, 2026
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
For release at 1:30 p.m. EST
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 1.4 percent average price increase for established, mature services.
In addition, the Federal Reserve Banks announced changes to streamline and adjust their check services. As described in the request for information on check services issued last year, the volume of checks processed by the Federal Reserve Banks is declining, but checks remain an important payment instrument for many consumers and businesses. The changes were informed by public feedback and ensure that the Federal Reserve Banks continue to provide check services efficiently. The adjustments include optimizing check processing windows during low-volume periods, increasing fees that banks and credit unions pay to process checks, and other operational updates. These changes do not impact consumers' and businesses' ability to pay with or receive checks and only impact how banks and credit unions process checks with Federal Reserve Banks.
The entire 2027 fee schedule for all of the Federal Reserve's payment services is published on FRBservices.org®. Additional information on the Federal Reserve's payments services, including service usage statistics, is available on the Board's website.
For media inquiries, please email [email protected] or call 202-452-2955.
Last Update: November 12, 2026
来源：美联储新闻稿 · federalreserve.gov