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, under $300M

Young Americans Bank

Denver, ColoradoBankKansas City Fed districtFees collected Oct 7, 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

Dormant Account – No transaction for three years or more with no contact$25Above the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Overdraft/NSF Fee$12Below the typical range ($25–$33 nationally)
$18 below the national median$18 below the Colorado median
per item · Source
Charge to Return Item$12Below the typical range ($25–$32 nationally)
$18 below the national median$18 below the Colorado median
per item · Source

ATM & CardVerified

ATM Transaction Fees – Two free per month$1.50Within the typical range ($1–$2.25 nationally)
At the national medianAt the Colorado median
per item · Source

Wire TransfersVerified

Outgoing Wire Transfer$15Below the typical range ($20–$25 nationally)
$10 below the national median$10 below the Colorado median
Source
Incoming Wire Transfer$5Within the typical range ($5–$15 nationally)
$5 below the national median$5 below the Colorado median
Source

Check ServicesVerified

Cashier’s Checks$3Within the typical range ($3–$6 nationally)
$2 below the national median$2 below the Colorado median
Source
Stop Payment$15Below the typical range ($20–$30 nationally)
$12.50 below the national median$12.50 below the Colorado median
Source

Cash & DepositVerified

Charge Back$2Below the typical range ($8–$25 nationally)
$13 below the national median$15 below the Colorado median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Dormant Account – No transaction for three years or more with no contact	$25Above the typical range ($5–$10 nationally)	$20 above the national median$18 above the Colorado median	per year	—	Source
Overdraft & NSFVerified
Overdraft/NSF Fee	$12Below the typical range ($25–$33 nationally)	$18 below the national median$18 below the Colorado median	per item	—	Source
Charge to Return Item	$12
ATM & CardVerified
ATM Transaction Fees – Two free per month	$1.50Within the typical range ($1–$2.25 nationally)	At the national medianAt the Colorado median	per item	—	Source
Wire TransfersVerified
Outgoing Wire Transfer	$15Below the typical range ($20–$25 nationally)	$10 below the national median$10 below the Colorado median	—	—	Source
Incoming Wire Transfer	$5
Check ServicesVerified
Cashier’s Checks	$3Within the typical range ($3–$6 nationally)	$2 below the national median$2 below the Colorado median	—	—	Source
Stop Payment	$15
Cash & DepositVerified
Charge Back	$2Below the typical range ($8–$25 nationally)	$13 below the national median$15 below the Colorado median	—	—	Source

Fee change alerts

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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

$12

Overdraft fee: $12

60% below the national median overdraft fee

9 verified fees collected

Headline fees published

8 of 15

Published fees

Under review

Assets

$15.5M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$15.5M

Total deposits

$13.4M

Service charge income

$3K

Fee income ratio

2.4%

Return on assets

-11.50%

Branches

Service charge income by quarter

Q2 2026$3K

Q1 2026$2K

Q4 2025$3K

Q3 2025$3K

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, enforcement actions, and SEC filings

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Based on 65,788 published fee entries from 3,612 institutions

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