Fees from its schedule are under review and appear here once review is done.
Know where its fee schedule is? Send the link
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
98th percentile; peer median 2.9%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 6, 2026
Call-report figures are for Optum Bank, Inc. at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 95 banks with $10B to $50B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Optum Bank, Inc.'s published fee schedule; Bank Fee Index medians | Current schedule | Oct 6, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 8.7% of revenue, above the 2.9% median of 95 banks with $10B to $50B in assets (98th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $23.0M in Q2 2026, 4.5% above the same quarter a year earlier ($22.0M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for Optum Bank, Inc. (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $23.0M | $0 | 0.0% |
| Q1 2026 | $23.0M | +$1.0M | +4.5% |
| Q4 2025 | $22.0M | $0 | 0.0% |
| Q3 2025 | $22.0M | $0 | 0.0% |
| Q2 2025 | $22.0M | −$1.0M | −4.3% |
| Q1 2025 | $23.0M | +$1.0M | +4.5% |
| Q4 2024 | $22.0M | $0 | 0.0% |
| Q3 2024 | $22.0M | −$1.0M | −4.3% |
Financial cohort: 111 banks with $10B to $50B in assets filing for Q2 2026; 95 reported a share above 0% and are counted, Optum Bank, Inc. left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Optum Bank, Inc. by share.
They stay out of every comparison until review is done.
per item
per transaction
per month
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account MaintenanceUnder review | |||
| Monthly maintenance fee (audience not stated, treated as personal) | $3 | per month | None |
| Paper Statement (audience not stated, treated as personal) | $1.50 | per item | None |
| Printed statement fee (audience not stated, treated as personal) | $1.50 | per item | None |
Overdraft & NSFUnder review | |||
| OD Protection Transfer (audience not stated, treated as personal) | $20 | per item | None |
ATM & CardUnder review | |||
| ATM transaction (audience not stated, treated as personal) | $2.50 | per item | None |
| ATM transaction fee (audience not stated, treated as personal) | $2.50 | per transaction | None |
| Non-Network ATM (audience not stated, treated as personal) | $2.50 | Not stated | None |
Other feesUnder review | |||
| ATM transaction fee (audience not stated, treated as personal) | $2.50 | per transaction | None |
| Balance in your HSA must remain at or exceed (audience not stated, treated as personal) | No charge | Not stated | None |
| Middle 80% up to < 120% (audience not stated, treated as personal) | $81,761 | Not stated | None |
| Moderate 50% up to < 80% (audience not stated, treated as personal) | $51,101 | Not stated | None |
| Monthly maintenance fee (audience not stated, treated as personal) | No charge | per month | None |
| Online statement delivery (audience not stated, treated as personal) | No charge | Not stated | None |
| per ATM transaction. In addition to our fee, the bank/ATM you use to withdraw funds may charge you their own fee (audience not stated, treated as personal) | $2.50 | Not stated | None |
| Printed statement fee (audience not stated, treated as personal) | $1.50 | per item | None |
| printed statement fee. If you do not choose online delivery for your account statements, we may charge this fee for ever (audience not stated, treated as personal) | $1.50 | Not stated | None |
| Schwab Health Savings Brokerage Account (audience not stated, treated as personal) | No charge | per month | None |
| The balance in your HSA must remain at or exceed (audience not stated, treated as personal) | No charge | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 6, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Optum Bank, Inc. operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $16.5B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 1 | $16.5B |
Salt Lake City-Murray, UT
1.4% of bank deposits, #10 of 57, down 0.2 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Morgan Stanley Bank, National Association | 22.9% |
| Goldman Sachs Bank USA | 16.5% |
| American Express National Bank | 14.6% |
| Ally Bank | 13.3% |
| UBS Bank USA | 9.3% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Salt Lake City-Murray, UT, Optum Bank, Inc. holds 1.4% of bank deposits, #10 of 57, with 1 office.
423 offices of 141 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 57 institutions shown. $1.2T in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 1.4% share, 1 office, #10 of 57
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
233 offices of 86 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Consumer complaints
213 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Managing an account | 107 |
| Closing an account | 19 |
| Problem with a lender or other company charging your account | 14 |
| Money was not available when promised | 8 |
| Charged fees or interest you didn't expect | 6 |
| Problem when making payments | 6 |
Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows