Compared with South Dakota
6 of 7
compared fees are above the median.
1 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
80th percentile; peer median 4.2%
FDIC call report data · Jun 30, 2026
Fees above the South Dakota median
of 7 compared; 1 below, 0 about the same
See the feesFee schedule read Oct 22, 2026
Call-report figures are for Wells Fargo Bank, National Association 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 15 banks with over $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 South Dakota median | Published fees above the South Dakota median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Wells Fargo Bank, National Association's published fee schedule; Bank Fee Index medians | Current schedule | Oct 22, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 6.4% of revenue, above the 4.2% median of 15 banks with over $250B in assets (80th 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 $1.2B in Q2 2026, 9.1% above the same quarter a year earlier ($1.1B).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
6 of 7 compared published fees sit above the South Dakota median; 1 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 South Dakota medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $20, the middle of its prices
Overdraft (OD)
Non-Network ATM
Each amount links to the fee schedule it was read from. Medians for South Dakota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 5.2% from Q3 2025 to Q2 2026, to $1.2B. Its share of revenue, 6.4%, is above the 4.2% median for banks with over $250B in assets.
$1.2B
Wells Fargo Bank, National AssociationMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 15 banks with over $250B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $35; we compare the midpoint.
Wells Fargo Bank, National Association · $1.9T in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Wells Fargo Bank, National Association(this institution) | Sioux Falls, SD | $1.9T | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ally Bank | Sandy, UT | $188.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| American Express National Bank | Sandy, UT | $213.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Bank of America, National Association | Charlotte, NC | $2.7T | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| BMO Bank National Association | Chicago, IL | $255B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Capital One, National Association | McLean, VA | $662.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Charles Schwab Bank, SSB | Westlake, TX | $250.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Citibank, National Association | Sioux Falls, SD | $2T | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Citizens Bank, National Association | Providence, RI | $232.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 |
| Fifth Third Bank, National Association | Cincinnati, OH | $299.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First-Citizens Bank & Trust Company | Raleigh, NC | $236.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| HSBC Bank USA, National Association | Tysons, VA | $173.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| KeyBank National Association | Cleveland, OH | $188.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Manufacturers and Traders Trust Company | Buffalo, NY | $218.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Morgan Stanley Private Bank, National Association | Purchase, NY | $250.4B | Monthly maintenance not published | 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 |
| PNC Bank, National Association | Wilmington, DE | $609.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| TD Bank, National Association | Wilmington, DE | $342.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Huntington National Bank | Columbus, OH | $283.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Northern Trust Company | Chicago, IL | $178.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Truist Bank | Charlotte, NC | $548.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| U.S. Bank National Association | Cincinnati, OH | $705.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| USAA Federal Savings Bank | Phoenix, AZ | $106.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 20 publish this fee(monthly maintenance)
5 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $20, the middle of its four prices, against a peer median of $11 among 20 publishing peers.
Its four checking prices are $5, $15, $25 and $35.
$20 is a comparison price, not a fee anyone is charged.
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 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Wells Fargo Bank, National Association (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $1.2B | +$30.0M | +2.5% |
| Q1 2026 | $1.2B | +$31.0M | +2.6% |
| Q4 2025 | $1.2B | $0 | 0.0% |
| Q3 2025 | $1.2B | +$42.0M | +3.7% |
| Q2 2025 | $1.1B | −$18.0M | −1.6% |
| Q1 2025 | $1.2B | +$34.0M | +3.0% |
| Q4 2024 | $1.1B | −$44.0M | −3.8% |
| Q3 2024 | $1.2B | +$53.0M | +4.8% |
Financial cohort: 18 banks with over $250B in assets filing for Q2 2026; 15 reported a share above 0% and are counted, Wells Fargo Bank, National Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Wells Fargo Bank, National Association by share.
Amounts from Wells Fargo Bank, National Association’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Everyday Checking Monthly service fee (audience not stated, treated as personal) | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service fee (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Prime Checking Monthly service fee (audience not stated, treated as personal) | $25Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Wells Fargo Premier Checking Monthly service fee (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service fee (statement-ending qualifying balances drop below $20,000) | $25Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service fee (statement-ending qualifying balances drop below $250,000) (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Our overdraft fee for Consumer checking accounts | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft fee (per item paid into overdraft) | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft occurs | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
ATM & Card | |||
| ATM fees per transaction – At non-Wells Fargo ATMs: Cash withdrawals - Within U.S. / U.S. territories (audience not stated, treated as personal) | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM fees per transaction – At non-Wells Fargo ATMs: Cash withdrawals - Outside U.S (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2.06 to $5 nationally) | Not stated | None |
Check Services | |||
| Cashier's checks footnote 2 | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money order footnote 2 | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Other Fees | |||
| Document copy fee | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | 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
Oct 22, 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 Wells Fargo Bank, National Association operates, and what regulators and customers have on file.
Branch footprint
4,157 offices in 40 states, $1.6T in branch deposits (June 2026)
Hover a state for its branch count.
Largest markets by deposits
| 9 | $462.5B | |
| 123 | $90.8B | |
| 251 | $88.6B | |
| 239 | $83.2B | |
| 85 | $51.4B | |
| Outside a metro area | 336 | $41.9B |
| 135 | $41.4B | |
| 128 | $37.7B |
Sioux Falls, SD-MN
41% of bank deposits, #2 of 42, up 2.6 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Citibank, National Association | 56.5% |
| The Bancorp Bank, National Association | 0.7% |
| Pathward, National Association | 0.5% |
| First PREMIER Bank | 0.2% |
| Sunrise Banks, National Association | 0.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Sioux Falls, SD-MN, Wells Fargo Bank, National Association holds 41% of bank deposits, #2 of 42, with 9 offices.
The fee comparison uses its home metro, Los Angeles-Long Beach-Anaheim, CA.
159 offices of 47 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 42 institutions shown. $1.1T in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 41% share, 9 offices, #2 of 42
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
23 offices of 6 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
18,845 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Managing an account | 4,945 |
| Incorrect information on your report | 1,678 |
| Problem with a lender or other company charging your account | 1,244 |
| Problem with a purchase shown on your statement | 1,168 |
| Problem caused by your funds being low | 867 |
| Took or threatened to take negative or legal action | 861 |
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
2 orders with no end date on file
OCC
BSA Independent Testing/Audit; BSA Internal Controls; BSA Pillar Violation / 12 CFR 21.21(d); BSA Risk Assessment; BSA SAR Violation / 12 CFR 21.11 or 163.180; BSA Violation Cited; BSA/AML; Customer/Enhanced Due Diligence (CDD/EDD); OFAC Compliance Issue; SAR/CTR Monitoring/Filing Issue
OCC
Audit; Compensation; Compliance Risk Management; Consumer Law; Golden Parachutes; Insider Issues; Internal Audit; Unfair or Deceptive (UDAP)
Past (latest 5 of 25)
OCC, penalty $250.0M
Audit; Compliance Risk Management; Enterprise Governance / Internal Controls / General Risk Management; Internal Audit; Lending Issues; Noncompliance with Enforcement Action; Other Lending Deficiencies
OCC. Ended March 17, 2025
Audit; Compliance Risk Management; Enterprise Governance / Internal Controls / General Risk Management; Internal Audit; Lending Issues; Other Lending Deficiencies
OCC, penalty $500.0M
Compliance Risk Management; Consumer Law; Unfair or Deceptive (UDAP)
OCC. Ended February 13, 2025
Audit; Compensation; Compliance Risk Management; Consumer Law; Golden Parachutes; Insider Issues; Internal Audit; Unfair or Deceptive (UDAP)
OCC, penalty $20.0M
Consumer Law; SCRA/Military Lending Act
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.