Pathward, National Association

Headquarters: Sioux Falls, South Dakota
Charter: Bank
Assets: $7.3B
Fed district: Minneapolis
Regulator: OCC
Holding company: Pathward Financial Inc.

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

Source: its fee schedule, read Oct 5, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 5, 2026

How these figures are measured

Call-report figures are for Pathward, 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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	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.	Pathward, National Association's published fee schedule; Bank Fee Index medians	Current schedule	Oct 5, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Pathward, National Association (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $2.2M in Q2 2026, 5.4% below the same quarter a year earlier ($2.3M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

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

Overdraft (OD)
Pathward, National Association: $30
Pathward, National Association: $30
U.S. median: no median
NSF / Returned Item
Pathward, National Association: $30
Pathward, National Association: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Pathward, National Association: $20
Pathward, National Association: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 2026View sources

Each amount links to the fee schedule it was read from. Medians for South Dakota, the Minneapolis 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).
South Dakota: Banks and credit unions headquartered in South Dakota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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.

Fee income beside fee prices

Service-charge income fell 4.5% from Q3 2025 to Q2 2026, to $2.2M.

Service-charge income, Q2 2026

$2.2M

$2.3MQ3 2025

$2.2MQ4 2025

$2.1MQ1 2026

$2.2MQ2 2026

Against the median

Pathward, National AssociationMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Pathward, National Association · $7.3B 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.

Banks only
$6.6B to $8B in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Pathward, National Association(this institution)	Sioux Falls, SD	$7.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Alpine Bank	Glenwood Springs, CO	$6.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Bangor Savings Bank	Bangor, ME	$7.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bank of Colorado	Fort Collins, CO	$7.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bankers Trust Company	Des Moines, IA	$7.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Cambridge Savings Bank	Cambridge, MA	$7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Central Pacific Bank	Honolulu, HI	$7.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Community Trust Bank, Inc.	Pikeville, KY	$6.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Equity Bank	Andover, KS	$7.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Bank	St. Louis, MO	$6.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank of America	East Lansing, MI	$6.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Hanmi Bank	Los Angeles, CA	$8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Intrust Bank, National Association	Wichita, KS	$6.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Johnson Bank	Racine, WI	$7.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Kearny Bank	Kearny, NJ	$7.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lake City Bank	Warsaw, IN	$7.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Needham Bank	Needham, MA	$7.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northpointe Bank	Grand Rapids, MI	$7.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ocean Bank	Miami, FL	$7.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Republic Bank & Trust Company	Louisville, KY	$7.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ridgewood Savings Bank	Ridgewood, NY	$7.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Stockman Bank of Montana	Miles City, MT	$7.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
TBK BANK, SSB	Dallas, TX	$7.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
The Camden National Bank	Camden, ME	$6.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Farmers National Bank of Canfield	Canfield, OH	$7.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Washington Trust Company, of Westerly	Westerly, RI	$6.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 20 publish this fee(monthly maintenance)

5 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Pathward, National Association does not publish a monthly maintenance fee in the index.

The peer median is $7.99 among 20 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

Pathward, National Association does not publish a monthly maintenance fee, so it is not on this chart.

Pathward, National Associ…Peer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Pathward, National Association (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file

Latest, Q2 2026: $2.2M
vs prior quarter: +$108K+5.1%; from Q1 2026
vs a year earlier: −$126K−5.4%; from Q2 2025
vs start of range: −$274K−11.0%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Pathward, National Association (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$2.2M	+$108K	+5.1%
Q1 2026	$2.1M	−$141K	−6.3%
Q4 2025	$2.2M	−$71K	−3.1%
Q3 2025	$2.3M	−$22K	−0.9%
Q2 2025	$2.3M	+$20K	+0.9%
Q1 2025	$2.3M	−$126K	−5.2%
Q4 2024	$2.4M	−$42K	−1.7%
Q3 2024	$2.5M	−$96K	−3.7%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Pathward, National Association’s own schedules, with a source for each figure.

Account Maintenance

Account Closing within 90 days of opening$35
Dormant Account Fee (per month) 2$5
per month
Research/Statement Reconciliation Fee$25

Overdraft & NSF

OD Fee-Item Paid$30
NSF Fee-Item Return$30

ATM & Card

Card Reissue Fee$12
Additional fee$45
Additional fee$85

Wire Transfers

Wire Transfer (customers only): Outgoing$20
Wire Transfer (customers only): Incoming$10
Wire Transfer (customers only): Incoming – International$40

Check Services

Official Check Fee$6
Stop Payment Fee$25
Foreign Currency / Collection Item: Incoming$10
Check Photocopy$5

Digital & Electronic

Same Day Bill Payment$9.95

Cash & Deposit

Returned Deposit Item Fee$10

Other Fees

Statement Copies/Account History$5

Fee	Amount	Basis	Note
Account Maintenance
Account Closing within 90 days of opening	$35	Not stated	None
Dormant Account Fee (per month) 2	$5	per month	None
Research/Statement Reconciliation Fee	$25	Not stated	None
Overdraft & NSF
OD Fee-Item Paid	$30	Not stated	None
NSF Fee-Item Return	$30	Not stated	None
ATM & Card
Card Reissue Fee	$12	Not stated	None
Additional fee	$45	Not stated	None
Additional fee	$85	Not stated	None
Wire Transfers
Wire Transfer (customers only): Outgoing	$20	Not stated	None
Wire Transfer (customers only): Incoming	$10	Not stated	None
Wire Transfer (customers only): Incoming – International	$40	Not stated	None
Check Services
Official Check Fee	$6	Not stated	None
Stop Payment Fee	$25	Not stated	None
Foreign Currency / Collection Item: Incoming	$10	Not stated	None
Check Photocopy	$5	Not stated	None
Digital & Electronic
Same Day Bill Payment	$9.95	Not stated	None
Cash & Deposit
Returned Deposit Item Fee	$10	Not stated	None
Other Fees
Statement Copies/Account History	$5	Not stated	None

Correct a fee source

Oct 5, 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.

Branches and public record

Where Pathward, National Association operates, and what regulators and customers have on file.

Holding company

PATHWARD FINANCIAL, INC. (Nasdaq: CASH)

Consolidated assets

$7.3B

Shareholders' equity

$850.9M

As of

2026Q2

Net income by quarter

Recent SEC filings

8-K8-K2026-10-21View
8-K8-K2026-09-17View
8-K8-K2026-08-20View
10-Q10-Q2026-08-06View
8-K8-K2026-07-22View
8-K8-K2026-05-21View
10-Q10-Q2026-05-07View
8-K8-K2026-04-22View
8-K8-K2026-02-26View
8-K8-K2026-02-25View
10-Q10-Q2026-02-05View
8-K8-K2026-01-22View

Source: SEC EDGAR filings and XBRL financial data, CIK 907471. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.

Fee change alerts

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