Compared with Texas
1 of 8
compared fees are above the median.
7 below, 0 about the same.
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
7th percentile; peer median 4.4%
FDIC call report data · Jun 30, 2026
Fees above the Texas median
of 8 compared; 7 below, 0 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for Charles Schwab Bank, SSB 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 15 banks with over $250B 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 Texas median | Published fees above the Texas median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Charles Schwab Bank, SSB's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.1% of revenue, below the 4.4% median of 15 banks with over $250B in assets (7th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
1 of 8 compared published fees sit above the Texas 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 Texas medians for fees published by banks and credit unions.
Wire Transfer (Domestic Out)
Monthly Maintenance
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income was $1.0M in Q2 2026. Its share of revenue, 0.1%, is below the 4.4% median for banks with over $250B in assets.
$1.0M
Charles Schwab Bank, SSBMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 15 banks with over $250B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Charles Schwab Bank, SSB · $250.8B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Charles Schwab Bank, SSB(this institution) | Westlake, TX | $250.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ally Bank | Sandy, UT | $188.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| American Express National Bank | Sandy, UT | $213.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| BMO Bank National Association | Chicago, IL | $255B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Citizens Bank, National Association | Providence, RI | $232.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| City National Bank | Los Angeles, CA | $99.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| East West Bank | Pasadena, CA | $84.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fifth Third Bank, National Association | Cincinnati, OH | $299.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Horizon Bank | Memphis, TN | $84.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First-Citizens Bank & Trust Company | Raleigh, NC | $236.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Flagstar Bank, National Association | Hicksville, NY | $87.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| HSBC Bank USA, National Association | Tysons, VA | $173.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| KeyBank National Association | Cleveland, OH | $188.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Manufacturers and Traders Trust Company | Buffalo, NY | $218.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Morgan Stanley Private Bank, National Association | Purchase, NY | $250.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Old National Bank | Evansville, IN | $73.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pinnacle Bank | Nashville, TN | $128.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Regions Bank | Birmingham, AL | $159.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Santander Bank, N.A. | Wilmington, DE | $104B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| TD Bank, National Association | Wilmington, DE | $342.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Huntington National Bank | Columbus, OH | $283.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Northern Trust Company | Chicago, IL | $178.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| UMB Bank, National Association | Kansas City, MO | $71.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| USAA Federal Savings Bank | Phoenix, AZ | $106.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Western Alliance Bank | Phoenix, AZ | $98.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Zions Bancorporation, N.A. | Salt Lake City, UT | $89B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $0, against a peer median of $11.50 among 17 publishing peers.
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 1, 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 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Charles Schwab Bank, SSB (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $1.0M | +$1.0M | |
| Q1 2026 | $0 | −$1.0M | −100.0% |
| Q4 2025 | $1.0M | +$1.0M | |
| Q3 2025 | $0 | $0 | |
| Q2 2025 | $0 | $0 | |
| Q1 2025 | $0 | $0 | |
| Q4 2024 | $0 | $0 | |
| Q3 2024 | $0 | $0 |
Financial cohort: 18 banks with over $250B in assets filing for Q2 2026; 15 reported a share above 0% and are counted, Charles Schwab Bank, SSB left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Charles Schwab Bank, SSB by share.
Amounts from Charles Schwab Bank, SSB’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Charge | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
ATM & Card | |||
| Original or replacement debit cards | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush delivery: For expedited shipping | $15Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing wires | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per transaction | None |
| Outgoing wires: Domestic wires only | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Checks (standard checks) | No chargeBelow the U.S. middle 50% ($0.40 to $19.67 nationally) | Not stated | None |
| Stop payments | No chargeBelow the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited item returned | No chargeBelow the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Oct 31, 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 Charles Schwab Bank, SSB operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $225.2B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 1 | $225.2B |
Dallas-Fort Worth-Arlington, TX
30.7% of bank deposits, #1 of 166, down 10.8 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Bank of America, National Association | 21.1% |
| JPMorgan Chase Bank, National Association | 14.8% |
| Charles Schwab Premier Bank, SSB | 3.3% |
| Wells Fargo Bank, National Association | 3.2% |
| Texas Capital Bank | 2.1% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Dallas-Fort Worth-Arlington, TX, Charles Schwab Bank, SSB holds 30.7% of bank deposits, #1 of 166, with 1 office.
900 offices of 37 institutions shown.
Showing 900 of 1,844 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.
8 of 166 institutions shown. $732.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2020 to 2026
June 2026: 30.7% share, 1 office, #1 of 166
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2020 to 2026.
Credit unions, reported separately
346 offices of 133 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
303 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Managing an account | 178 |
| Problem with a lender or other company charging your account | 36 |
| Closing an account | 24 |
| Fraud or scam | 16 |
| Opening an account | 13 |
| Other transaction problem | 11 |
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.
Enforcement actions
None on file with the Federal Reserve and Texas Department of Banking
The Federal Reserve and Texas Department of Banking have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve and Texas Department of Banking, 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.
Fee change alerts
We check once a day and send one email covering every change.