Compared with Florida
9 of 18
compared fees are above the median.
7 below, 2 about the same.
About the same: within 1% of the median.
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
87th percentile; peer median 2.9%
FDIC call report data · Jun 30, 2026
Fees above the Florida median
of 18 compared; 7 below, 2 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Amerant Bank, National Association 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) RCFD2170 | 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 Florida median | Published fees above the Florida median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Amerant Bank, National Association's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 5.0% of revenue, above the 2.9% median of 95 banks with $10B to $50B in assets (87th 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 $5.1M in Q2 2026, 9.4% above the same quarter a year earlier ($4.6M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
9 of 18 compared published fees sit above the Florida median; 7 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Florida medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $22.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Compared at $22.50, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 4.7% from Q3 2025 to Q2 2026, to $5.1M. Its share of revenue, 5.0%, is above the 2.9% median for banks with $10B to $50B in assets.
$5.1M
Amerant Bank, National AssociationMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 95 banks with $10B to $50B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Non-network ATM: Listed at $2 to $3; we compare the midpoint. Monthly maintenance: Listed at $5 to $50; we compare the midpoint.
Amerant Bank, National Association · $10.3B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Amerant Bank, National Association(this institution) | Coral Gables, FL | $10.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 1st Source Bank | South Bend, IN | $9.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Amalgamated Bank | New York, NY | $9.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Amarillo National Bank | Amarillo, TX | $10.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| American Savings Bank, National Association | Honolulu, HI | $9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| b1BANK | Baton Rouge, LA | $8.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Beal Bank USA | Las Vegas, NV | $11B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Burke & Herbert Bank & Trust Company | Alexandria, VA | $11B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Byline Bank | Chicago, IL | $9.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capitol Federal Savings Bank | Topeka, KS | $9.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Centier Bank | Whiting, IN | $10.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers and Merchants Bank of Long Beach | Long Beach, CA | $11.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| International Bank of Commerce | Laredo, TX | $10.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Liberty Bank | Middletown, CT | $9.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Origin Bank | Choudrant, LA | $10.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peoples Bank | Marietta, OH | $9.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pinnacle Bank | Lincoln, NE | $9.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Principal Bank | Des Moines, IA | $9.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| RBC Bank, (Georgia) National Association | Atlanta, GA | $9.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| S&T Bank | Indiana, PA | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Salem Five Cents Savings Bank | Salem, MA | $8.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Stock Yards Bank & Trust Company | Louisville, KY | $10.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Tompkins Community Bank | Ithaca, NY | $8.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tri Counties Bank | Chico, CA | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Washington Trust Bank | Spokane, WA | $10.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Woodforest National Bank | The Woodlands, TX | $9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 19 publish this fee(monthly maintenance)
6 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $22.50, the middle of its four prices, against a peer median of $10 among 19 publishing peers.
Its four checking prices are $5, $10, $35 and $50.
$22.50 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Amerant Bank, National Association (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 | $5.1M | +$311K | +6.6% |
| Q1 2026 | $4.7M | −$50K | −1.0% |
| Q4 2025 | $4.8M | −$32K | −0.7% |
| Q3 2025 | $4.8M | +$205K | +4.4% |
| Q2 2025 | $4.6M | −$76K | −1.6% |
| Q1 2025 | $4.7M | −$254K | −5.1% |
| Q4 2024 | $5.0M | +$282K | +6.0% |
| Q3 2024 | $4.7M | −$81K | −1.7% |
Financial cohort: 111 banks with $10B to $50B in assets filing for Q2 2026; 95 reported a share above 0% and are counted, Amerant Bank, National Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Amerant Bank, National Association by share.
Amounts from Amerant Bank, National Association’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per hour · Account Reconciliation........................... $25 per hour or fraction
per hour
per hour
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per transaction
per item
per item
per item
per item
per document · Notary Services............................................ $10 per document
per item
per item
per item
per item
per page · Photocopies.................................................. $1 per page, plus shipping
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance | $50Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service fee | $35Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fees | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fees | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| ACH Transfers: Dormant Accounts (inactive for 365 days) | $25Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation (audience not stated, treated as personal) | $25Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation........................... $25 per hour or fraction |
| Account Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Record Research (audience not stated, treated as personal) | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail | $15Not compared: Per-item charge, not monthly | per item | None |
| Returned Mail (audience not stated, treated as personal) | $15Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft - personal, per item paid | $10Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Sobregiros/fondos insuficientes (NSF): Comercial | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Sobregiros/fondos insuficientes (NSF)10, 12: Personal | $10Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Otros ATM (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Otros ATM | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Transacción en ATM si no es cliente | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Additional/Replacement Card | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Inquiry Additional/ Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Inquiry Additional/ Replacement Card (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Cross border fee | 3%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer – Outgoing | $12Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer – Outgoing: Branch | $55Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Wire | $35Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Wire Transfer – Incoming | $12Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Check Services | |||
| Official Checks: Customer | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Fee (Personal/Business) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per transaction | None |
| Stop Payment Fee: (Personal/Business) | No chargeBelow the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payments (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Temporary Checks (audience not stated, treated as personal) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing Fee | 2% | Not stated | None |
Cash & Deposit | |||
| Chargeback 13 | $15Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
| Night Depository Service Key | $20Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Account Services | |||
| Collections - Within the U.S.3: Notary Services | $10Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Notary Services | $10Not compared: Charged per document; comparison unavailable | per document | Notary Services............................................ $10 per document |
| Additional/Replacement Key | $90Not compared: Box drilling or key fee | per item | None |
| Drilling | $170Not compared: Box drilling or key fee | Not stated | None |
| Replacement Key | $50Not compared: Box drilling or key fee | Not stated | None |
| Replacement Key (audience not stated, treated as personal) | $25Not compared: Box drilling or key fee | Not stated | None |
| Legal Process | $125Inside the U.S. middle 50% ($50 to $150 nationally) | per item | None |
| Deposit Verifications | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Retirement & IRA | |||
| IRA - Closed or Transferred | $10Below the U.S. middle 50% ($25 to $35 nationally) | per item | None |
| IRA - Closed or Transferred (audience not stated, treated as personal) | $10Below the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Other Fees | |||
| Deposit Courier Services | $50Above the U.S. middle 50% ($20 to $40 nationally) | per item | None |
| Express Courier (audience not stated, treated as personal) | $3Below the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| Express Courier | $90Above the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| Standard Courier | $25Inside the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| Fax Service | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Faxed Statements | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies (audience not stated, treated as personal) | $1Not compared: Charged per page; comparison unavailable | per page | Photocopies.................................................. $1 per page, plus shipping |
| Photocopies | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
per item
per item
per transaction
per item
per item
per item
per document · Notary Services............................................ $10 per document
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| ACH Transfers: Dormant Accounts (inactive for 365 days) | $25Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail | $15Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Sobregiros/fondos insuficientes (NSF): Comercial | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Otros ATM | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Transacción en ATM si no es cliente | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Additional/Replacement Card | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Inquiry Additional/ Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Cross border fee | 3%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer – Outgoing | $12Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer – Outgoing: Branch | $55Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Wire | $35Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Wire Transfer – Incoming | $12Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Check Services | |||
| Official Checks: Customer | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Fee (Personal/Business) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per transaction | None |
| Stop Payment Fee: (Personal/Business) | No chargeBelow the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payments | $30 | per item | None |
| Temporary Checks | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing Fee | 2% | Not stated | None |
Cash & Deposit | |||
| Chargeback 13 | $15Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
| Night Depository Service Key | $20Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Account Services | |||
| Collections - Within the U.S.3: Notary Services | $10Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Notary Services | $10Not compared: Charged per document; comparison unavailable | per document | Notary Services............................................ $10 per document |
| Additional/Replacement Key | $90Not compared: Box drilling or key fee | per item | None |
| Drilling | $170Not compared: Box drilling or key fee | Not stated | None |
| Replacement Key | $50Not compared: Box drilling or key fee | Not stated | None |
| Legal Process | $125Inside the U.S. middle 50% ($50 to $150 nationally) | per item | None |
| Deposit Verifications | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Retirement & IRA | |||
| IRA - Closed or Transferred | $10Below the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Other Fees | |||
| Deposit Courier Services | $50Above the U.S. middle 50% ($20 to $40 nationally) | per item | None |
| Express Courier | $90Above the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| Standard Courier | $25Inside the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| Fax Service | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Faxed Statements | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Nov 2, 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 Amerant Bank, National Association operates, and what regulators and customers have on file.
Branch footprint
24 offices in 1 state, $8.4B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 22 | $8.2B | |
| 2 | $132.9M |
Miami-Fort Lauderdale-West Palm Beach, FL
2.4% of bank deposits, #10 of 86, up 0.7 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Bank of America, National Association | 15.7% |
| JPMorgan Chase Bank, National Association | 12.5% |
| Wells Fargo Bank, National Association | 10.7% |
| Citibank, National Association | 6.4% |
| Truist Bank | 6.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Miami-Fort Lauderdale-West Palm Beach, FL, Amerant Bank, National Association holds 2.4% of bank deposits, #10 of 86, with 22 offices.
900 offices of 24 institutions shown.
Showing 900 of 1,495 offices: the largest institutions' offices, with banks and credit unions in proportion.
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 86 institutions shown. $348.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 2.4% share, 22 offices, #10 of 86
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
173 offices of 39 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.
Enforcement actions
None on file with the OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
Amerant Bancorp Inc. (NYSE: AMTB)
Consolidated assets
$10.3B
Shareholders' equity
$914.4M
As of
2026Q2
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 1734342. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.