FinWise Bank

Headquarters: Murray, Utah
Charter: Bank
Assets: $915.5M
Fed district: San Francisco

16 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 3, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Can be waived with a balance of $500 or more.
FinWise Bank: $7
FinWise Bank: $7
U.S. median: no median
Overdraft (OD)
FinWise Bank: $21
FinWise Bank: $21
U.S. median: no median
NSF / Returned Item
FinWise Bank: $21
FinWise Bank: $21
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Utah, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Utah: Banks and credit unions headquartered in Utah that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from FinWise Bank’s own schedules, with a source for each figure.

Account Maintenance

Service charge$7
per month
Service Charge (current balance falls below $1,000.00) (audience not stated, treated as personal)$7
per month
Dormant Account Charge$10
per month
Hourly Research Fee$35
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Insufficient Funds/Overdraft Fee$21
Return Check Charge$21

Wire Transfers

Wires: Domestic Transfers - Outgoing$15
Wires: Domestic Transfers – Incoming$5
Wires Foreign Transfers - Outgoing (audience not stated, treated as personal)$50
Wires: Foreign Transfers – Incoming$50

Check Services

Customers – Limit 10 Cashier’s Checks (audience not stated, treated as personal)No charge
Money Order FeeNo charge
Stop Payment Fee$26
Customers Counter Checks (audience not stated, treated as personal)No charge

Cash & Deposit

Charge Back ItemsNo charge

Account Services

Customers Notary Service (audience not stated, treated as personal)No charge
10-inch Drill Box and Change Lock (audience not stated, treated as personal)$275
Not compared: Box drilling or key fee

Lending Fees

Late Fee$10

Fee	Amount	Basis	Note
Account Maintenance
Service charge	$7	per month	None
Service Charge (current balance falls below $1,000.00) (audience not stated, treated as personal)	$7	per month	None
Dormant Account Charge	$10	per month	None
Hourly Research Fee	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Insufficient Funds/Overdraft Fee	$21	Not stated	None
Return Check Charge	$21	Not stated	None
Wire Transfers
Wires: Domestic Transfers - Outgoing	$15	Not stated	None
Wires: Domestic Transfers – Incoming	$5	Not stated	None
Wires Foreign Transfers - Outgoing (audience not stated, treated as personal)	$50	Not stated	None
Wires: Foreign Transfers – Incoming	$50	Not stated	None
Check Services
Customers – Limit 10 Cashier’s Checks (audience not stated, treated as personal)	No charge	Not stated	None
Money Order Fee	No charge	Not stated	None
Stop Payment Fee	$26	Not stated	None
Customers Counter Checks (audience not stated, treated as personal)	No charge	Not stated	None
Cash & Deposit
Charge Back Items	No charge	Not stated	None
Account Services
Customers Notary Service (audience not stated, treated as personal)	No charge	Not stated	None
10-inch Drill Box and Change Lock (audience not stated, treated as personal)	$275Not compared: Box drilling or key fee	Not stated	None
Lending Fees
Late Fee	$10	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

Correct a fee source

Oct 3, 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.

Fee change alerts

Get an email when FinWise Bank's monthly maintenance changes in our data

We check once a day and send one email covering every change.