Compared with Arizona
1 of 4
compared fees are above the median.
3 below, 0 about the same.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
17th percentile; peer median 3.4%
FDIC call report data · Jun 30, 2026
Fees above the Arizona median
of 4 compared; 3 below, 0 about the same
See the feesFee schedule read Oct 7, 2026
Call-report figures are for USAA Federal Savings Bank 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 | FFIEC call report (bulk data) RCFD2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 30 banks with $50B to $250B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Arizona median | Published fees above the Arizona median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | USAA Federal Savings Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 7, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.4% of revenue, below the 3.4% median of 30 banks with $50B to $250B in assets (17th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $26.0M in Q2 2026, 7.1% below the same quarter a year earlier ($28.0M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
1 of 4 compared published fees sit above the Arizona median; 3 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Arizona medians for fees published by banks and credit unions.
Overdraft (OD)
Stop Payment
Wire Transfer (Int'l Out)
Compared at $35, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Arizona, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 24% from Q3 2025 to Q2 2026, to $26.0M. Its share of revenue, 1.4%, is below the 3.4% median for banks with $50B to $250B in assets.
$26.0M
USAA Federal Savings BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 30 banks with $50B to $250B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
USAA Federal Savings Bank · $106.2B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| USAA Federal Savings Bank(this institution) | Phoenix, AZ | $106.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Associated Bank, National Association | Green Bay, WI | $51.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Banco Popular de Puerto Rico | San Juan, PR | $63.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of China | New York, NY | $48.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| BOKF, National Association | Tulsa, OK | $53B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| CIBC Bank USA | Chicago, IL | $66.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| City National Bank | Los Angeles, CA | $99.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Columbia Bank | Roseburg, OR | $65.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| East West Bank | Pasadena, CA | $84.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| EverBank, National Association | Jacksonville, FL | $46.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| First Horizon Bank | Memphis, TN | $84.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First National Bank of Pennsylvania | Greenville, PA | $50.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Flagstar Bank, National Association | Hicksville, NY | $87.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Frost Bank | San Antonio, TX | $54B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Old National Bank | Evansville, IN | $73.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pinnacle Bank | Nashville, TN | $128.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Prosperity Bank | El Campo, TX | $43.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Raymond James Bank | Saint Petersburg, FL | $45.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Regions Bank | Birmingham, AL | $159.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Santander Bank, N.A. | Wilmington, DE | $104B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| SoFi Bank, National Association | Cottonwood Heights, UT | $56.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| SouthState Bank, National Association | Winter Haven, FL | $68.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| UMB Bank, National Association | Kansas City, MO | $71.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Valley National Bank | Passaic, NJ | $66.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Western Alliance Bank | Phoenix, AZ | $98.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Zions Bancorporation, N.A. | Salt Lake City, UT | $89B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $10 among 14 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 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
USAA Federal Savings Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.
Call reports for USAA Federal Savings Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $26.0M | +$1.0M | +4.0% |
| Q1 2026 | $25.0M | $0 | 0.0% |
| Q4 2025 | $25.0M | −$9.0M | −26.5% |
| Q3 2025 | $34.0M | +$6.0M | +21.4% |
| Q2 2025 | $28.0M | $0 | 0.0% |
| Q1 2025 | $28.0M | $0 | 0.0% |
| Q4 2024 | $28.0M | $0 | 0.0% |
| Q3 2024 | $28.0M | +$3.0M | +12.0% |
Financial cohort: 33 banks with $50B to $250B in assets filing for Q2 2026; 30 reported a share above 0% and are counted, USAA Federal Savings Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to USAA Federal Savings Bank by share.
Amounts from USAA Federal Savings Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
| Fee | Amount | Basis | Note |
|---|---|---|---|
Overdraft & NSF | |||
| Depository Agreement and Disclosures for more information on when Overdraft Fees | $29Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
Wire Transfers | |||
| Int’l Wire Service Fee | $25Below the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| Total fee for sending international wire transfers | $45Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Official/Teller’s Check Fee | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Fee | $29Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Oct 7, 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.
Where USAA Federal Savings Bank operates, and what regulators and customers have on file.
Branch footprint
2 offices in 2 states, $92.0B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 1 | $92.0B | |
| 1 | $0 |
San Antonio-New Braunfels, TX
52.5% of bank deposits, #1 of 66, down 7.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Citibank, National Association | 17.7% |
| Frost Bank | 7.7% |
| Bank of America, National Association | 3.1% |
| Wells Fargo Bank, National Association | 2.7% |
| JPMorgan Chase Bank, National Association | 2.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In San Antonio-New Braunfels, TX, USAA Federal Savings Bank holds 52.5% of bank deposits, #1 of 66, with 1 office.
The fee comparison uses its home metro, Phoenix-Mesa-Chandler, AZ.
460 offices of 83 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 66 institutions shown. $175.0B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 52.5% share, 1 office, #1 of 66
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
139 offices of 21 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Consumer complaints
2,677 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Managing an account | 850 |
| Incorrect information on your report | 265 |
| Closing an account | 194 |
| Problem with a lender or other company charging your account | 193 |
| Problem with a purchase shown on your statement | 143 |
| Problem with a company's investigation into an existing problem | 130 |
Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.
Enforcement actions
1 order with no end date on file
OCC
Affiliate Transactions (incl. Reg W); Audit; Board / Management Oversight; BSA Program Violation / 12 CFR 21.21; BSA SAR Violation / 12 CFR 21.11 or 163.180; BSA Violation Cited; BSA/AML; Compensation; Compliance Risk Management; Consumer Law; Earnings; Enterprise Governance / Internal Controls / General Risk Management; General IT Controls; GLBA (12 CFR 30, Appx B); Heightened Standards (12 CFR 30, Appx D); Information Technology; Insider Issues; Internal Audit; Noncompliance with Enforcement Action; SAR/CTR Monitoring/Filing Issue; Third Party Risk Management; Unfair or Deceptive (UDAP)
Source: public enforcement action lists from the OCC and Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.