Southwest Heritage Bank

Headquarters: Scottsdale, Arizona
Charter: Bank
Assets: $892.8M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 8, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Southwest Heritage Bank: $30
Southwest Heritage Bank: $30
U.S. median: no median
NSF / Returned Item
Southwest Heritage Bank: $30
Southwest Heritage Bank: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Southwest Heritage Bank: $30
Southwest Heritage Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 8, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Arizona, 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).
Arizona: Banks and credit unions headquartered in Arizona 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 Southwest Heritage Bank’s own schedules, with a source for each figure.

Account Maintenance

Early account closure - within 90 days (audience not stated, treated as personal)$20
Dormant account fee (after 12 months of inactivity) - per month (audience not stated, treated as personal)$5
per month
Escheatment Fee$50
Deposit account reconciliation assistance - per hour/1 hour minimum (audience not stated, treated as personal)$25
Research - per hour/1 hour minimum$25
Not compared: Charged per hour; comparison unavailable
per hour · Research - per hour/1 hour minimum | $25.00

Overdraft & NSF

Overdraft Fee - per item$30
per item
Paid item resulting in an overdraft$30
Returned item created by check or other electronic means - per item$30
per item
Daily recurring overdraft fee (after 3 consecutive business days of being overdrawn) - per business day$5
per day
ODP transfer fee (secondary account) - per transfer$5
per item · Secondary account
Overdraft Protection fee (secondary account) - per transfer$5
per item

ATM & Card

Visa Debit Card replacement - per replacement (audience not stated, treated as personal)$10
per item
Visa Debit Card replacement expedited - 2 day (audience not stated, treated as personal)$30

Wire Transfers

Outgoing domestic wires - per wire (audience not stated, treated as personal)$30
per item
Incoming wires - per wire$3
per item
Outgoing foreign wires - per wire (audience not stated, treated as personal)$45
per item

Check Services

Official check - per check (audience not stated, treated as personal)$5
per item
E-Banking stop payment (checks only) - per transaction$30
per transaction
Stop payment (checks and ACH) - per item (audience not stated, treated as personal)$30
per item
Counter checks$0.50
per item
Check cashing (non-customer) - per item (audience not stated, treated as personal)$5
per item
Collection items - domestic/foreign - per item$30
per item
Copy of on-us check - per item (audience not stated, treated as personal)$3
per item

Digital & Electronic

E-Banking Bill Pay expedited payment - per item (audience not stated, treated as personal)$5
Not compared: Per-item charge, not monthly
per item
E-Banking Bill Pay expedited payment overnight check - per item (audience not stated, treated as personal)$30
Not compared: Per-item charge, not monthly
per item
E-Banking Bill Pay Feature - monthly (audience not stated, treated as personal)No charge
per month
E-Banking Bill Pay transaction - per itemNo charge
Not compared: Per-item charge, not monthly
per item
E-Banking Zelle Person to Person (P2P) request money transactions - per transaction (audience not stated, treated as personal)No charge
Not compared: Per-transaction charge, not monthly
per transaction
E-Banking Mobile Deposit feature - monthly (audience not stated, treated as personal)No charge
Not compared: Monthly charge, not per item
per month

Cash & Deposit

Chargeback Fee$5
Returned deposited item handling - per item$5
per item

Account Services

Notary Service - Customers Only (audience not stated, treated as personal)No charge
Safe Deposit Box 10X10 - annually (audience not stated, treated as personal)$65
per year
Safe Deposit Box 3X10 - annually (audience not stated, treated as personal)$30
per year
Safe Deposit Box 3X5 - annually (audience not stated, treated as personal)$20
per year
Safe Deposit Box 5X10 - annually (audience not stated, treated as personal)$35
per year
Safe Deposit Box 5X5 - annually (audience not stated, treated as personal)$25
per year
Safe Deposit Box 7X10 - annually$50
per year
Safe Deposit Box Drilling - as needed (audience not stated, treated as personal)$110
Not compared: Box drilling or key fee
Safe Deposit Box late payment - per month (audience not stated, treated as personal)$5
Not compared: Monthly charge, not annual
per month
Safe Deposit Box rekey or key replacement - as needed (audience not stated, treated as personal)$50
Not compared: Box drilling or key fee
Legal Processing Fee$50

Retirement & IRA

IRA closing and transfer - per account (audience not stated, treated as personal)$45

Other Fees

Photocopies - per page (audience not stated, treated as personal)$0.50
per item
Statement reprint - per statement (audience not stated, treated as personal)$5

Fee	Amount	Basis	Note
Account Maintenance
Early account closure - within 90 days (audience not stated, treated as personal)	$20	Not stated	None
Dormant account fee (after 12 months of inactivity) - per month (audience not stated, treated as personal)	$5	per month	None
Escheatment Fee	$50	Not stated	None
Deposit account reconciliation assistance - per hour/1 hour minimum (audience not stated, treated as personal)	$25	Not stated	None
Research - per hour/1 hour minimum	$25Not compared: Charged per hour; comparison unavailable	per hour	Research - per hour/1 hour minimum \| $25.00
Overdraft & NSF
Overdraft Fee - per item	$30	per item	None
Paid item resulting in an overdraft	$30	Not stated	None
Returned item created by check or other electronic means - per item	$30	per item	None
Daily recurring overdraft fee (after 3 consecutive business days of being overdrawn) - per business day	$5	per day	None
ODP transfer fee (secondary account) - per transfer	$5	per item	Secondary account
Overdraft Protection fee (secondary account) - per transfer	$5	per item	None
ATM & Card
Visa Debit Card replacement - per replacement (audience not stated, treated as personal)	$10	per item	None
Visa Debit Card replacement expedited - 2 day (audience not stated, treated as personal)	$30	Not stated	None
Wire Transfers
Outgoing domestic wires - per wire (audience not stated, treated as personal)	$30	per item	None
Incoming wires - per wire	$3	per item	None
Outgoing foreign wires - per wire (audience not stated, treated as personal)	$45	per item	None
Check Services
Official check - per check (audience not stated, treated as personal)	$5	per item	None
E-Banking stop payment (checks only) - per transaction	$30	per transaction	None
Stop payment (checks and ACH) - per item (audience not stated, treated as personal)	$30	per item	None
Counter checks	$0.50	per item	None
Check cashing (non-customer) - per item (audience not stated, treated as personal)	$5	per item	None
Collection items - domestic/foreign - per item	$30	per item	None
Copy of on-us check - per item (audience not stated, treated as personal)	$3	per item	None
Digital & Electronic
E-Banking Bill Pay expedited payment - per item (audience not stated, treated as personal)	$5Not compared: Per-item charge, not monthly	per item	None
E-Banking Bill Pay expedited payment overnight check - per item (audience not stated, treated as personal)	$30Not compared: Per-item charge, not monthly	per item	None
E-Banking Bill Pay Feature - monthly (audience not stated, treated as personal)	No charge	per month	None
E-Banking Bill Pay transaction - per item	No chargeNot compared: Per-item charge, not monthly	per item	None
E-Banking Zelle Person to Person (P2P) request money transactions - per transaction (audience not stated, treated as personal)	No chargeNot compared: Per-transaction charge, not monthly	per transaction	None
E-Banking Mobile Deposit feature - monthly (audience not stated, treated as personal)	No chargeNot compared: Monthly charge, not per item	per month	None
Cash & Deposit
Chargeback Fee	$5	Not stated	None
Returned deposited item handling - per item	$5	per item	None
Account Services
Notary Service - Customers Only (audience not stated, treated as personal)	No charge	Not stated	None
Safe Deposit Box 10X10 - annually (audience not stated, treated as personal)	$65	per year	None
Safe Deposit Box 3X10 - annually (audience not stated, treated as personal)	$30	per year	None
Safe Deposit Box 3X5 - annually (audience not stated, treated as personal)	$20	per year	None
Safe Deposit Box 5X10 - annually (audience not stated, treated as personal)	$35	per year	None
Safe Deposit Box 5X5 - annually (audience not stated, treated as personal)	$25	per year	None
Safe Deposit Box 7X10 - annually	$50	per year	None
Safe Deposit Box Drilling - as needed (audience not stated, treated as personal)	$110Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box late payment - per month (audience not stated, treated as personal)	$5Not compared: Monthly charge, not annual	per month	None
Safe Deposit Box rekey or key replacement - as needed (audience not stated, treated as personal)	$50Not compared: Box drilling or key fee	Not stated	None
Legal Processing Fee	$50	Not stated	None
Retirement & IRA
IRA closing and transfer - per account (audience not stated, treated as personal)	$45	Not stated	None
Other Fees
Photocopies - per page (audience not stated, treated as personal)	$0.50	per item	None
Statement reprint - per statement (audience not stated, treated as personal)	$5	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 8, 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 Southwest Heritage Bank's ach origination changes in our data

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