Banesco USA

Headquarters: Miami, Florida
Charter: Bank
Assets: $6.0B
Fed district: Atlanta

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

Source: its fee schedule, read Oct 11, 2026.

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Fees against the market

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

Overdraft (OD)
Banesco USA: $25
Banesco USA: $25
U.S. median: no median
NSF / Returned Item
Compared at $22.50, the middle of its prices
Banesco USA: $10 to $35
Banesco USA: $10 to $35
U.S. median: no median
Non-Network ATM
Banesco USA: $2
Banesco USA: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta 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).
Florida: Banks and credit unions headquartered in Florida that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 Banesco USA’s own schedules, with a source for each figure.

Account Maintenance

Account Closed, prior to 6 months$20
Dormant Account Fee$25
per month
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail$15
per month

Overdraft & NSF

Uncollected (UNC) / Non-Sufficient (NSF) / Overdraft Fees Uncollected Funds Fee5,6a$25
per item
Non-Sufficient Funds Fee (audience not stated, treated as personal)$10
per item
Non-Sufficient Funds Fee5,6,6a$35
per item
NSF/UNC Return Item Fee5,6a$35
NSF/UNC Returned Item Fee (audience not stated, treated as personal)$10
per item

ATM & Card

Debit Card | W/D SVC (Non Banesco owned ATM’s)$2
per transaction
W/D SVC (Non Banesco owned ATM’s)$2
per item
Foreign transaction fee (audience not stated, treated as personal)3%of the transaction

Wire Transfers

OB DOM Outgoing Wire Fee$30
per item
INTL Outgoing Manual Wire Fee$100
per item
OB DOM Outgoing Wire Fee OB INTL Outgoing Wi$30
per item
OB INTL Outgoing Wire Fee$40
per item

Check Services

Cashier’s Check, customer$10
per item
Stop Payment Charge Fee$35
per item
Temporary Checks$4
Not compared: Charged per page; comparison unavailable
per page

Digital & Electronic

Zelle®10No charge

Cash & Deposit

Deposited Check Returned Fee$15
per item

Account Services

Notary Services$10
Not compared: Charged per document; comparison unavailable
per document
Drilling$250
Not compared: Box drilling or key fee
Key Replacement$50
Not compared: Box drilling or key fee
per item
Late Payment$10
Not compared: Box drilling or key fee
Safe Deposit Box$25
per year
Safe Deposit Box 10" x 10"$175
per year
Safe Deposit Box 11" x 15"$225
per year
Safe Deposit Box 3" x 10"$45
per year
Safe Deposit Box 5" x 10"$100
per year
Legal Process$100
per item
Legal: Legal Document Processing$100
Not compared: Charged per hour; comparison unavailable
per hour

Lending Fees

Late Payment (audience not stated, treated as personal)$10

Other Fees

Photocopies Bank Statements$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closed, prior to 6 months	$20	Not stated	None
Dormant Account Fee	$25	per month	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail	$15	per month	None
Overdraft & NSF
Uncollected (UNC) / Non-Sufficient (NSF) / Overdraft Fees Uncollected Funds Fee5,6a	$25	per item	None
Non-Sufficient Funds Fee (audience not stated, treated as personal)	$10	per item	None
Non-Sufficient Funds Fee5,6,6a	$35	per item	None
NSF/UNC Return Item Fee5,6a	$35	Not stated	None
NSF/UNC Returned Item Fee (audience not stated, treated as personal)	$10	per item	None
ATM & Card
Debit Card \| W/D SVC (Non Banesco owned ATM’s)	$2	per transaction	None
W/D SVC (Non Banesco owned ATM’s)	$2	per item	None
Foreign transaction fee (audience not stated, treated as personal)	3%of the transaction	Not stated	None
Wire Transfers
OB DOM Outgoing Wire Fee	$30	per item	None
INTL Outgoing Manual Wire Fee	$100	per item	None
OB DOM Outgoing Wire Fee OB INTL Outgoing Wi	$30	per item	None
OB INTL Outgoing Wire Fee	$40	per item	None
Check Services
Cashier’s Check, customer	$10	per item	None
Stop Payment Charge Fee	$35	per item	None
Temporary Checks	$4Not compared: Charged per page; comparison unavailable	per page	None
Digital & Electronic
Zelle®10	No charge	Not stated	None
Cash & Deposit
Deposited Check Returned Fee	$15	per item	None
Account Services
Notary Services	$10Not compared: Charged per document; comparison unavailable	per document	None
Drilling	$250Not compared: Box drilling or key fee	Not stated	None
Key Replacement	$50Not compared: Box drilling or key fee	per item	None
Late Payment	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box	$25	per year	None
Safe Deposit Box 10" x 10"	$175	per year	None
Safe Deposit Box 11" x 15"	$225	per year	None
Safe Deposit Box 3" x 10"	$45	per year	None
Safe Deposit Box 5" x 10"	$100	per year	None
Legal Process	$100	per item	None
Legal: Legal Document Processing	$100Not compared: Charged per hour; comparison unavailable	per hour	None
Lending Fees
Late Payment (audience not stated, treated as personal)	$10	Not stated	None
Other Fees
Photocopies Bank Statements	$5	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 11, 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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