Southwest Capital Bank

Headquarters: Albuquerque, New Mexico
Charter: Bank
Assets: $482.9M
Fed district: Kansas City

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

Source: its fee schedule, read Nov 1, 2026.

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Fees against the market

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

Overdraft (OD)
Southwest Capital Bank: $25
Southwest Capital Bank: $25
U.S. median: no median
NSF / Returned Item
Southwest Capital Bank: $25
Southwest Capital Bank: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Southwest Capital Bank: $25
Southwest Capital Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Mexico, the Kansas City 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).
New Mexico: Banks and credit unions headquartered in New Mexico that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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 Southwest Capital Bank’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account$5
per month
Account Research or Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Research or Reconciliation | $25 per hour

Overdraft & NSF

Overdraft Fee$25
Return Item Fee$25

ATM & Card

ATM/Debit Card Replacement Rush Fee$15

Wire Transfers

Wire Services: Outgoing Domestic$25
per item
Wire Services: Incoming Domestic$10
per item
Wire Services: Outgoing International$50
per item

Check Services

Cashier’s checks$5
Stop Payments$25
Temporary Checks$0.25
per item
Non-Customer Check Cashing$7.50
Collection Item$20

Digital & Electronic

ACH Origination$5
Same Day ACH$1
per item

Other Fees

Fax$3.50
Photocopy$1
Not compared: Charged per page; comparison unavailable
per page · Photocopy | $1 (per page)
Statement Copies (per statement)$1.50

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$5	per month	None
Account Research or Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Research or Reconciliation \| $25 per hour
Overdraft & NSF
Overdraft Fee	$25	Not stated	None
Return Item Fee	$25	Not stated	None
ATM & Card
ATM/Debit Card Replacement Rush Fee	$15	Not stated	None
Wire Transfers
Wire Services: Outgoing Domestic	$25	per item	None
Wire Services: Incoming Domestic	$10	per item	None
Wire Services: Outgoing International	$50	per item	None
Check Services
Cashier’s checks	$5	Not stated	None
Stop Payments	$25	Not stated	None
Temporary Checks	$0.25	per item	None
Non-Customer Check Cashing	$7.50	Not stated	None
Collection Item	$20	Not stated	None
Digital & Electronic
ACH Origination	$5	Not stated	None
Same Day ACH	$1	per item	None
Other Fees
Fax	$3.50	Not stated	None
Photocopy	$1Not compared: Charged per page; comparison unavailable	per page	Photocopy \| $1 (per page)
Statement Copies (per statement)	$1.50	Not stated	None

Correct a fee source

Nov 1, 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

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