Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, $300M to $1B

Universal Bank

West Covina, CaliforniaBankSan Francisco Fed districtFees collected Oct 6, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Research/Reconciliation$50Above the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Collection – Return Item$25Within the typical range ($25–$31 nationally)
$5 below the national median
per item · Source
Non-Sufficient Funds (NSF)$0Below the typical range ($25–$31 nationally)
$30 below the national median
Source
Overdraft Fee For Items Paid Into Overdraft$30Within the typical range ($25–$32 nationally)
At the national median
Source

ATM & CardVerified

ATM Access/Non-Universal Bank ATM$3.50Above the typical range ($1–$2.50 nationally)
$1.75 above the national median
Source
ATM and Debit Card Replacement$10Within the typical range ($5–$10 nationally)
At the national median
Source
Expedited Debit Card$75Above the typical range ($30–$50 nationally)
$35 above the national median
Source

Wire TransfersVerified

account type you have, how you use your accounts, and what | Wire Transfers – Outgoing Domestic$35Above the typical range ($20–$25 nationally)
$10 above the national median
Source
lists account fees that may apply to you, depending on which | Wire Transfers - Incoming Foreign/Domestic.$15Within the typical range ($10–$25 nationally)
$5 below the national median
Source
Universal Bank reserves the right to change its fees described | Online Wire Transfers – Outgoing Domestic$30Above the typical range ($20–$25 nationally)
$5 above the national median
Source
Wire Transfers – Outgoing Foreign$45Within the typical range ($40–$50 nationally)
$5 below the national median
Source

Check ServicesVerified

Cashier’s Check$10Above the typical range ($3–$6 nationally)
$5 above the national median
Source
Copies Per Item$2Within the typical range ($2–$5 nationally)
$1 below the national median
per item · Source
Documentation Request - Copies Per Item$2Within the typical range ($2–$5 nationally)
$1 below the national median
per item · Institution’s schedule
Stop Payment (ACH & Checks)$25Within the typical range ($20–$30 nationally)
$1 below the national median
Source
Temporary Check$1Within the typical range ($1–$4 nationally)
$1 below the national median
per year · Source

Account ServicesVerified

(additional mailed) | Verification of Account Deposit (VOD)$10Within the typical range ($5–$15 nationally)
At the national median
Source
2 X 5 Inches$80Above the typical range ($30–$70 nationally)
$35 above the national median
Source
3 X 10 Inches$110Above the typical range ($30–$70 nationally)
$65 above the national median
Source
5 X 10 Inches$135Above the typical range ($30–$70 nationally)
$90 above the national median
Source
5 X 5 Inches$100Above the typical range ($30–$70 nationally)
$55 above the national median
Source
6 X 10 Inches$160Above the typical range ($30–$70 nationally)
$115 above the national median
Source
ATM and Debit Cards | 3 X 5 Inches$90Above the typical range ($30–$70 nationally)
$45 above the national median
Source
Fees may be assessed for ATM and debit card usage by third parties | 10 X 10 Inches$185Above the typical range ($30–$70 nationally)
$140 above the national median
Source

Retirement & IRAVerified

IRA Plan Annual Trustee Fee$30Above the typical range ($10–$25 nationally)
$15 above the national median
per year · Source
IRA Plan Closing Fee$20Below the typical range ($25–$35 nationally)
$5 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research/Reconciliation	$50Above the typical range ($20–$25 nationally)	$25 above the national median	per month	—	Source
Account(s) Closed Within 90 Days of Opening	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	—	Source
Dormant Account Escheatment Processing	$2Below the typical range ($5–$10 nationally)	$3 below the national median	—	—	Source
Monthly Maintenance Fee Per Location	$10Within the typical range ($3–$10 nationally)	$4.52 above the national median	per month	—	Source
Overdraft & NSFVerified
Collection – Return Item	$25Within the typical range ($25–$31 nationally)	$5 below the national median	per item	—	Source
Non-Sufficient Funds (NSF)	$0
ATM & CardVerified
ATM Access/Non-Universal Bank ATM	$3.50Above the typical range ($1–$2.50 nationally)	$1.75 above the national median	—	—	Source
ATM and Debit Card Replacement	$10
Wire TransfersVerified
account type you have, how you use your accounts, and what \| Wire Transfers – Outgoing Domestic	$35Above the typical range ($20–$25 nationally)	$10 above the national median	—	—	Source
lists account fees that may apply to you, depending on which \| Wire Transfers - Incoming Foreign/Domestic.	$15
Check ServicesVerified
Cashier’s Check	$10Above the typical range ($3–$6 nationally)	$5 above the national median	—	—	Source
Copies Per Item	$2
Cash & DepositVerified
Chargeback (Returned Item)	$15Within the typical range ($10–$25 nationally)	At the national median	—	—	Source
Account ServicesVerified
(additional mailed) \| Verification of Account Deposit (VOD)	$10Within the typical range ($5–$15 nationally)	At the national median	—	—	Source
2 X 5 Inches	$80
Retirement & IRAVerified
IRA Plan Annual Trustee Fee	$30Above the typical range ($10–$25 nationally)	$15 above the national median	per year	—	Source
IRA Plan Closing Fee	$20
Other FeesVerified
Statement Copy	$5Within the typical range ($2–$5 nationally)	$2 above the national median	per month	—	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 31

Headline fees published

10 of 15

Published fees

Under review

Assets

$388.0M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$388.0M

Total deposits

$275.1M

Service charge income

$59K

Fee income ratio

2.1%

Return on assets

0.33%

Branches

Service charge income by quarter

Q2 2026$59K

Q1 2026$52K

Q4 2025$48K

Q3 2025$46K

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, and SEC filings

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Based on 46,469 published fee entries from 2,884 institutions

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