# Fed Raises Check Fees as Businesses Keep Writing Them

> Federal Reserve hikes check fees as businesses continue using paper payments.
- Title: Fed Raises Check Fees as Businesses Keep Writing Them · Pymnts
- Summary: Federal Reserve hikes check fees as businesses continue using paper payments. The Federal Reserve projects a 5.4% average increase in check-service prices…
- Keywords: federal reserve, check fees, business payments, same day ach, b2b payments, fednow service, ach payments, Pymnts
- Source: Pymnts — https://pymnts.com/smbs/2026/federal-reserve-raises-check-fees-businesses-keep-writing-them
- Author: PYMNTS
- Published: 2026-11-13T22:09:55+00:00
- Read time: 1 min
- Topics: federal reserve, check fees, business payments, same day ach, b2b payments, fednow service, ach payments, business, finance
## Check Usage in Business
Small- to medium-sized businesses operating for at least 20 years made 54% of their vendor payments by check.
## Federal Reserve Fee Increase
The Federal Reserve projects a 5.4% average increase in check-service prices starting January 1, 2027.
## Same Day ACH Limit Increase
Nacha will raise the Same Day ACH limit from $1 million to $10 million in September 2027.
## Check Processing Costs
The FedReceipt Daily per-item charge rises from $0.0005 to $0.0015, adding $100 per 100,000 items.
## Payment Shift Opportunities
Businesses can move payments to ACH to save costs as check fees increase.
## Next Steps for Banks
Banks may use savings from lower check fees to improve ACH services for business clients.
## Key takeaway

The Federal Reserve projects a 5.4% average increase in check-service prices starting January 1, 2027, while businesses still rely on checks for B2B payments.