Finance Factors, Ltd.

Headquarters: Honolulu, Hawaii
Charter: Bank
Assets: $683.7M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 6, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $10, the middle of its prices
Finance Factors, Ltd.: $5 to $15
Finance Factors, Ltd.: $5 to $15
U.S. median: no median
NSF / Returned Item
Finance Factors, Ltd.: $20
Finance Factors, Ltd.: $20
U.S. median: no median
Stop Payment
Finance Factors, Ltd.: $20
Finance Factors, Ltd.: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Hawaii, 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).
Hawaii: Banks and credit unions headquartered in Hawaii 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.

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Published fee schedule

Amounts from Finance Factors, Ltd.’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge$5
per month
Monthly service charge$15
per month
Minimum Balance$5
Early closing fee$50
Early Closing Fees (audience not stated, treated as personal)$25
per item

Overdraft & NSF

Returned Draft or Check Fee (audience not stated, treated as personal)$20
per item

Check Services

Stop Payment Fee (audience not stated, treated as personal)$20
per item

Account Services

Response to Legal Process (audience not stated, treated as personal)$50
Not compared: Charged per hour; comparison unavailable
per hour

Retirement & IRA

IRA/CESA Transfer Fee (audience not stated, treated as personal)$35

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$5	per month	None
Monthly service charge	$15	per month	None
Minimum Balance	$5	Not stated	None
Early closing fee	$50	Not stated	None
Early Closing Fees (audience not stated, treated as personal)	$25	per item	None
Overdraft & NSF
Returned Draft or Check Fee (audience not stated, treated as personal)	$20	per item	None
Check Services
Stop Payment Fee (audience not stated, treated as personal)	$20	per item	None
Account Services
Response to Legal Process (audience not stated, treated as personal)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Retirement & IRA
IRA/CESA Transfer Fee (audience not stated, treated as personal)	$35	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 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.

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