FlatIrons Bank

Headquarters: Boulder, Colorado
Charter: Bank
Assets: $370.3M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 26, 2026.

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Fees against the market

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

Overdraft (OD)
FlatIrons Bank: $35
FlatIrons Bank: $35
U.S. median: no median
NSF / Returned Item
FlatIrons Bank: $35
FlatIrons Bank: $35
U.S. median: no median
Wire Transfer (Domestic Out)
FlatIrons Bank: $18 to $30
FlatIrons Bank: $18 to $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Colorado, 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).
Colorado: Banks and credit unions headquartered in Colorado 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 FlatIrons Bank’s own schedules, with a source for each figure.

Account Maintenance

Account Closure Fee (Within 60 days of opening)$25
Dormant Account Fee$30
per month
Paper Statement Fee$5
per month
Paper Statements$5

Overdraft & NSF

Overdraft$35
per item
Returned Item (Per Presentment)$35
per item

ATM & Card

Card Re-issue (Lost/Stolen Card)$10

Wire Transfers

Outgoing Wire Transfer – Domestic (In Person/By Fax/Email)$30
Outgoing Wire Transfer – Domestic (Online)$18
Incoming Wire Transfer – Domestic$10
Outgoing Wire Transfer – International (In Person/By Fax/Email)$50
Outgoing Wire Transfer – International (Online)$28
Incoming Wire Transfer – International$12

Check Services

Cashiers Checks (payable to third party)$5
Stop Payment (in-person)$32.50
Stop Payment (online)$22.50
Foreign Collection Item$30

Digital & Electronic

ACH Batch Reversal or Deletion Fee$25
ACH Per Batch Sent Fee$12
ACH Same Day – Surcharge (Per Batch Sent)$3

Cash & Deposit

ACH Returns (Chargeback)$15
Chargeback (Deposited Item)$15
Chargeback Fee (Deposited item)$15

Account Services

Replacement Key$30
Not compared: Box drilling or key fee
Safe Deposit Box (10 x 10)$120
per year
Safe Deposit Box (3 x 10)$50
per year
Safe Deposit Box (5 x 10)$60
per year
Safe Deposit Box Forced Entry$175
Not compared: Box drilling or key fee
Safe Deposit Box Lost Key$25
Not compared: Box drilling or key fee
Garnishments, Levies, & Subpoenas$175

Other Fees

Locking (Courier)$30

Fee	Amount	Basis	Note
Account Maintenance
Account Closure Fee (Within 60 days of opening)	$25	Not stated	None
Dormant Account Fee	$30	per month	None
Paper Statement Fee	$5	per month	None
Paper Statements	$5	Not stated	None
Overdraft & NSF
Overdraft	$35	per item	None
Returned Item (Per Presentment)	$35	per item	None
ATM & Card
Card Re-issue (Lost/Stolen Card)	$10	Not stated	None
Wire Transfers
Outgoing Wire Transfer – Domestic (In Person/By Fax/Email)	$30	Not stated	None
Outgoing Wire Transfer – Domestic (Online)	$18	Not stated	None
Incoming Wire Transfer – Domestic	$10	Not stated	None
Outgoing Wire Transfer – International (In Person/By Fax/Email)	$50	Not stated	None
Outgoing Wire Transfer – International (Online)	$28	Not stated	None
Incoming Wire Transfer – International	$12	Not stated	None
Check Services
Cashiers Checks (payable to third party)	$5	Not stated	None
Stop Payment (in-person)	$32.50	Not stated	None
Stop Payment (online)	$22.50	Not stated	None
Foreign Collection Item	$30	Not stated	None
Digital & Electronic
ACH Batch Reversal or Deletion Fee	$25	Not stated	None
ACH Per Batch Sent Fee	$12	Not stated	None
ACH Same Day – Surcharge (Per Batch Sent)	$3	Not stated	None
Cash & Deposit
ACH Returns (Chargeback)	$15	Not stated	None
Chargeback (Deposited Item)	$15	Not stated	None
Chargeback Fee (Deposited item)	$15	Not stated	None
Account Services
Replacement Key	$30Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box (10 x 10)	$120	per year	None
Safe Deposit Box (3 x 10)	$50	per year	None
Safe Deposit Box (5 x 10)	$60	per year	None
Safe Deposit Box Forced Entry	$175Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Garnishments, Levies, & Subpoenas	$175	Not stated	None
Other Fees
Locking (Courier)	$30	Not stated	None

Correct a fee source

Oct 26, 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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