Redwood Capital Bank

Headquarters: Eureka, California
Charter: Bank
Assets: $566.0M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 26, 2026.

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Fees against the market

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

Monthly Maintenance
Redwood Capital Bank: $10
Redwood Capital Bank: $10
U.S. median: no median
Overdraft (OD)
Redwood Capital Bank: $35
Redwood Capital Bank: $35
U.S. median: no median
NSF / Returned Item
Redwood Capital Bank: $35
Redwood Capital Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

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

Account Maintenance

Monthly service charge (audience not stated, treated as personal)$10
per month · Minimum daily balance $1,000.00 required to avoid
CD Early Withdrawal Penalty$20
Not compared: CD/IRA fee
per item
Early Account Closing (Less than 3 months)$25

Overdraft & NSF

Overdraft Fee - Item Paid$35
Non-Sufficient Funds (NSF) Fee - Item Returned$35

ATM & Card

Foreign ATM Usage Charge$1
per transaction
Debit Card Replacement Fee$5

Wire Transfers

Domestic Wire Transfer$15
per item · Incoming/Outgoing
International Wire Transfer$25
per item · Incoming/Outgoing

Check Services

Cashiers/Official Check$5
Stop Payment$25
Counter Checks$0.50
per item
Check Cashing Fee (non-customer/non-RCB check)$10

Digital & Electronic

ACH Reject Fee$7.50
per item

Account Services

Fee per Notary Stamp or Oath$15
per item
Safe Deposit Box 10 x 10$100
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)$100
Safe Deposit Box 3 x 5$30
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)$30
Safe Deposit Box 5 x 10$60
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)$60
Safe Deposit Box 5 x 5$40
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)$40
Tax Levy/Garnishment$100

Lending Fees

Late Payment Fee$10

Retirement & IRA

IRA Annual Fee (Incoming/Outgoing)$10
per year
IRA External Transfer/Closing per IRA Plan$20

Other Fees

Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge (audience not stated, treated as personal)	$10	per month	Minimum daily balance $1,000.00 required to avoid
CD Early Withdrawal Penalty	$20Not compared: CD/IRA fee	per item	None
Early Account Closing (Less than 3 months)	$25	Not stated	None
Overdraft & NSF
Overdraft Fee - Item Paid	$35	Not stated	None
Non-Sufficient Funds (NSF) Fee - Item Returned	$35	Not stated	None
ATM & Card
Foreign ATM Usage Charge	$1	per transaction	None
Debit Card Replacement Fee	$5	Not stated	None
Wire Transfers
Domestic Wire Transfer	$15	per item	Incoming/Outgoing
International Wire Transfer	$25	per item	Incoming/Outgoing
Check Services
Cashiers/Official Check	$5	Not stated	None
Stop Payment	$25	Not stated	None
Counter Checks	$0.50	per item	None
Check Cashing Fee (non-customer/non-RCB check)	$10	Not stated	None
Digital & Electronic
ACH Reject Fee	$7.50	per item	None
Account Services
Fee per Notary Stamp or Oath	$15	per item	None
Safe Deposit Box 10 x 10	$100	Not stated	None
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)	$100	Not stated	None
Safe Deposit Box 3 x 5	$30	Not stated	None
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)	$30	Not stated	None
Safe Deposit Box 5 x 10	$60	Not stated	None
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)	$60	Not stated	None
Safe Deposit Box 5 x 5	$40	Not stated	None
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)	$40	Not stated	None
Tax Levy/Garnishment	$100	Not stated	None
Lending Fees
Late Payment Fee	$10	Not stated	None
Retirement & IRA
IRA Annual Fee (Incoming/Outgoing)	$10	per year	None
IRA External Transfer/Closing per IRA Plan	$20	Not stated	None
Other Fees
Statement Copy	$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 26, 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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