Universal Bank

Headquarters: West Covina, California
Charter: Bank
Assets: $388.0M
Fed district: San Francisco

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

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

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Fees against the market

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

Overdraft (OD)
Universal Bank: $30
Universal Bank: $30
U.S. median: no median
NSF / Returned Item
Universal Bank: No fee
Universal Bank: No fee
U.S. median: no median
Non-Network ATM
Universal Bank: $3.50
Universal Bank: $3.50
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 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 Universal Bank’s own schedules, with a source for each figure.

Account Maintenance

Account(s) Closed Within 90 Days of Opening$10
Dormant Account Escheatment Processing (audience not stated, treated as personal)$2
Account Research/Reconciliation (audience not stated, treated as personal)$50
Not compared: Monthly charge, not per item
per month

Overdraft & NSF

Overdraft Fee For Items Paid Into Overdraft (audience not stated, treated as personal)$30
Non-Sufficient Funds (NSF) (audience not stated, treated as personal)No charge

Fee	Amount	Basis	Note
Account Maintenance
Account(s) Closed Within 90 Days of Opening	$10	Not stated	None
Dormant Account Escheatment Processing (audience not stated, treated as personal)	$2	Not stated	None
Account Research/Reconciliation (audience not stated, treated as personal)	$50Not compared: Monthly charge, not per item	per month	None
Overdraft & NSF
Overdraft Fee For Items Paid Into Overdraft (audience not stated, treated as personal)	$30	Not stated	None
Non-Sufficient Funds (NSF) (audience not stated, treated as personal)	No charge	Not stated	None
ATM & Card
ATM Access/Non-Universal Bank ATM	$3.50	Not stated	None
ATM and Debit Card Replacement	$10	Not stated	None
Expedited Debit Card	$75	Not stated	None
Wire Transfers
Online Wire Transfers – Outgoing Domestic	$30	Not stated	None
Wire Transfers – Outgoing Domestic	$35	Not stated	None
Wire Transfers – Outgoing Foreign	$45	Not stated	None
Wire Transfers - Incoming Foreign/Domestic	$15	Not stated	None
Check Services
Cashier’s Check	$10	Not stated	None
Stop Payment (ACH & Checks) (audience not stated, treated as personal)	$25	Not stated	None
Temporary Check (audience not stated, treated as personal)	$1	Not stated	None
Check Cashing – Non-Customer (audience not stated, treated as personal)	$25	Not stated	None
Collection – Return Item (audience not stated, treated as personal)	$25	per item	None
Copies Per Item (audience not stated, treated as personal)	$2	per item	None
Documentation Request - Copies Per Item (audience not stated, treated as personal)	$2	per item	None
Cash & Deposit
Chargeback (Returned Item) (audience not stated, treated as personal)	$15	Not stated	None
Account Services
ATM and Debit Cards: 3 X 5 Inches	$90	Not stated	None
Fees may be assessed for ATM and debit card usage by third parties \| 10 X 10 Inches	$185	Not stated	None
Forced Drilling	$275Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 2 X 5 Inches	$80	Not stated	None
Safe Deposit Box 3 X 10 Inches	$110	Not stated	None
Safe Deposit Box 5 X 10 Inches	$135	Not stated	None
Safe Deposit Box 5 X 5 Inches	$100	per item	None
Safe Deposit Box 6 X 10 Inches	$160	Not stated	None
Verification of Account Deposit (VOD) (audience not stated, treated as personal)	$10	Not stated	None
Retirement & IRA
IRA Plan Annual Trustee Fee (audience not stated, treated as personal)	$30	per year	None
IRA Plan Closing Fee (audience not stated, treated as personal)	$20	Not stated	None
Other Fees
Statement Copy (audience not stated, treated as personal)	$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

Showing 5 of 32 fees.

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.

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