Four fees from its schedule are published so far: NSF / returned item $38, foreign transaction $0, wire transfer $20 and 1 more. Its schedule also lists 1 business fee, shown under Business.
Source: its fee schedule, read Oct 30, 2026.
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
3rd percentile; peer median 3.4%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 30, 2026
Call-report figures are for American Express National Bank 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 30 banks with $50B to $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 U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | American Express National Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 30, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.0% of revenue, below the 3.4% median of 30 banks with $50B to $250B in assets (3rd 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 $909K in Q2 2026, 43% above the same quarter a year earlier ($637K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
1 of 2 compared published fees sit above the Utah median; 0 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 Utah medians for fees published by banks and credit unions.
NSF / Returned Item
Foreign Transaction
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Utah, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Call reports for American Express National Bank (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 | $909K | +$110K | +13.8% |
| Q1 2026 | $799K | +$14K | +1.8% |
| Q4 2025 | $785K | +$59K | +8.1% |
| Q3 2025 | $726K | +$89K | +14.0% |
| Q2 2025 | $637K | +$137K | +27.4% |
| Q1 2025 | $500K | +$63K | +14.4% |
| Q4 2024 | $437K | +$29K | +7.1% |
| Q3 2024 | $408K | +$7K | +1.7% |
Financial cohort: 33 banks with $50B to $250B in assets filing for Q2 2026; 30 reported a share above 0% and are counted, American Express National Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to American Express National Bank by share.
Amounts from American Express National Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per transaction
| Fee | Amount | Basis | Note |
|---|---|---|---|
Overdraft & NSF | |||
| Returned Check | $38Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Foreign Transaction | No chargeInside the U.S. middle 50% ($0 to $2.38 nationally) | per transaction | None |
Wire Transfers | |||
| Outgoing Wire Transfer | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing Wire Transfer Fee | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Oct 30, 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 American Express National Bank operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $171.6B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 1 | $171.6B |
Salt Lake City-Murray, UT
14.6% of bank deposits, #3 of 57, up 2.9 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Morgan Stanley Bank, National Association | 22.9% |
| Goldman Sachs Bank USA | 16.5% |
| Ally Bank | 13.3% |
| UBS Bank USA | 9.3% |
| Synchrony Bank | 7.3% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Salt Lake City-Murray, UT, American Express National Bank holds 14.6% of bank deposits, #3 of 57, with 1 office.
423 offices of 141 institutions shown.
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 57 institutions shown. $1.2T in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 14.6% share, 1 office, #3 of 57
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
233 offices of 86 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
9,720 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Problem with a purchase shown on your statement | 1,780 |
| Incorrect information on your report | 1,521 |
| Other features, terms, or problems | 855 |
| Took or threatened to take negative or legal action | 662 |
| Problem with a company's investigation into an existing problem | 617 |
| Advertising and marketing, including promotional offers | 493 |
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
1 order with no end date on file
OCC
BSA Independent Testing/Audit; BSA Internal Controls; BSA Pillar Violation / 12 CFR 21.21(d); BSA Program Violation / 12 CFR 21.21; BSA Risk Assessment; BSA SAR Violation / 12 CFR 21.11 or 163.180; BSA Training; BSA Violation Cited; BSA/AML; Customer/Enhanced Due Diligence (CDD/EDD); SAR/CTR Monitoring/Filing Issue
Past
OCC, penalty $350.0M
BSA Independent Testing/Audit; BSA Internal Controls; BSA Pillar Violation / 12 CFR 21.21(d); BSA Program Violation / 12 CFR 21.21; BSA Risk Assessment; BSA SAR Violation / 12 CFR 21.11 or 163.180; BSA Training; BSA Violation Cited; BSA/AML; Customer/Enhanced Due Diligence (CDD/EDD); SAR/CTR Monitoring/Filing Issue
OCC, penalty $15.0M
BSA Violation Cited; BSA/AML; Customer/Enhanced Due Diligence (CDD/EDD); Third Party Risk Management
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
AMERICAN EXPRESS CO (NYSE: AXP)
Consolidated assets
$310.3B
Shareholders' equity
$35.8B
As of
2026Q3
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 4962. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows