Overdraft Paid Fee$34Above the typical range ($25–$33 nationally)
$4 above the national median$9 above the California median
Source
Returned Item Fee (Business Accounts Only)$9Below the typical range ($25–$32 nationally)
$21 below the national median$14 below the California median
per item · Source
Returned Item Fee (Check & ACH)$10Below the typical range ($25–$32 nationally)
$20 below the national median$13 below the California median
per item · Source

ATM & CardVerified

Check Printing: Prices vary: ATM Fee (non-MB&T ATM surcharge)$2.50Above the typical range ($1–$2.25 nationally)
$1 above the national median$0.50 above the California median
per transaction · Source
ATM or Debit Card Rush Replacement$50Within the typical range ($30–$50 nationally)
$10 above the national median$7.50 above the California median
per year · Source

Wire TransfersVerified

Domestic Wire Fee$15Below the typical range ($20–$25 nationally)
$10 below the national median$10 below the California median
per item · Source
Individual Retirement Arrangements: Outgoing Domestic Wire Fee$30Above the typical range ($20–$25 nationally)
$5 above the national median$5 above the California median
Source
Incoming Wire Fee$15Within the typical range ($5–$15 nationally)
$5 above the national median$5 above the California median
Source
International Wire Fee$15Below the typical range ($40–$50 nationally)
$35 below the national median$30 below the California median
per item · Source
Outgoing International Wire Fee$45Within the typical range ($40–$50 nationally)
$5 below the national medianAt the California median
Source

Check ServicesVerified

Check Printing$2.50Within the typical range ($0–$15 nationally)
$1.50 above the national median
per transaction · Source
Temporary Checks$1Within the typical range ($1–$4 nationally)
$1 below the national median$2 below the California median
per item · Source

Digital & ElectronicVerified

ACH Returned Item$5Below the typical range ($15–$30 nationally)
$20 below the national median$12.50 below the California median
per month · Source
Applies to originated ACH transactions that are returned. | Business Analysis Checking$20Within the typical range ($15–$30 nationally)
$5 below the national median$2.50 above the California median
per month · Source

Cash & DepositVerified

Night Depository Service$50Above the typical range ($5–$20 nationally)
$40 above the national median$27.50 above the California median
per year · Source

Account ServicesVerified

Notary Public (available to MB&T customers only)$15Above the typical range ($0–$5 nationally)
$12.50 above the national medianAt the California median
per item · Source
Safe Deposit Box 10 x 10 x 24$210Above the typical range ($30–$70 nationally)
$165 above the national median$135 above the California median
Source
Safe Deposit Box 15 x 11 x 24$260Above the typical range ($30–$70 nationally)
$215 above the national median$185 above the California median
Source
Safe Deposit Box 15 x 15 x 24$270Above the typical range ($30–$70 nationally)
$225 above the national median$195 above the California median
Source
Safe Deposit Box 3 x 10 x 24$100Above the typical range ($30–$70 nationally)
$55 above the national median$25 above the California median
Source
Safe Deposit Box 30 x 30 x 24$510Above the typical range ($30–$70 nationally)
$465 above the national median$435 above the California median
Source
Safe Deposit Box 30 x 30 x 42$930Above the typical range ($30–$70 nationally)
$885 above the national median$855 above the California median
Source
Safe Deposit Box 5 x 10 x 24$120Above the typical range ($30–$70 nationally)
$75 above the national median$45 above the California median
Source
Safe Deposit Box 5 x 5 x 24$85Above the typical range ($30–$70 nationally)
$40 above the national median$10 above the California median
Source
Safe Deposit Box 6 x 10 x 24$125Above the typical range ($30–$70 nationally)
$80 above the national median$50 above the California median
Source
Safe Deposit Box 60 x 30 x 42$1,225Above the typical range ($30–$70 nationally)
$1,180 above the national median$1,150 above the California median
Source
Legal Process, per service$125Above the typical range ($30–$100 nationally)
$75 above the national median$75 above the California median
Source

Other FeesVerified

Interim Statements$5Within the typical range ($2–$5 nationally)
$2 above the national median$0.75 above the California median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
CheckCapture Maintenance Fee	$40Above the typical range ($4–$10 nationally)	$34 above the national median$34.50 above the California median	per month	—	Source
Maintenance Fee	$8Within the typical range ($4–$10 nationally)	$2 above the national median$2.50 above the California median	—	—	Source
Monthly Fee (if balance falls below $100)	$3Below the typical range ($4–$10 nationally)	$3 below the national median$2.50 below the California median	per month	—	Source
Monthly Maintenance Fee	$0Below the typical range ($4–$10 nationally)	$6 below the national median$5.50 below the California median	per month	—	Source
Check Imaging on Paper Statements	$2.50Within the typical range ($2–$4.88 nationally)	$0.50 below the national medianAt the California median	—	—	Source
Overdraft & NSFVerified
Overdraft Paid Fee	$34Above the typical range ($25–$33 nationally)	$4 above the national median$9 above the California median	—	—	Source
Returned Item Fee (Business Accounts Only)	$9
ATM & CardVerified
Check Printing: Prices vary: ATM Fee (non-MB&T ATM surcharge)	$2.50Above the typical range ($1–$2.25 nationally)	$1 above the national median$0.50 above the California median	per transaction	—	Source
ATM or Debit Card Rush Replacement	$50
Wire TransfersVerified
Domestic Wire Fee	$15Below the typical range ($20–$25 nationally)	$10 below the national median$10 below the California median	per item	—	Source
Individual Retirement Arrangements: Outgoing Domestic Wire Fee	$30
Check ServicesVerified
Check Printing	$2.50Within the typical range ($0–$15 nationally)	$1.50 above the national median	per transaction	—	Source
Temporary Checks	$1
Digital & ElectronicVerified
ACH Returned Item	$5Below the typical range ($15–$30 nationally)	$20 below the national median$12.50 below the California median	per month	—	Source
Applies to originated ACH transactions that are returned. \| Business Analysis Checking	$20
Cash & DepositVerified
Night Depository Service	$50Above the typical range ($5–$20 nationally)	$40 above the national median$27.50 above the California median	per year	—	Source
Account ServicesVerified
Notary Public (available to MB&T customers only)	$15Above the typical range ($0–$5 nationally)	$12.50 above the national medianAt the California median	per item	—	Source
Safe Deposit Box 10 x 10 x 24	$210
Other FeesVerified
Interim Statements	$5Within the typical range ($2–$5 nationally)	$2 above the national median$0.75 above the California median	—	—	Source

Against San Francisco Fed district banks

Its state has too few comparable institutions, so these are its Fed district peers.

Overdraft
$34.00
Of 47 others that publish it, 37 lower, 2 the same and 8 higher.
Monthly maintenance
$5.50
Of 52 others that publish it, 16 lower, 2 the same and 34 higher.

See every headline fee against its local competitors

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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

$34

Overdraft fee: $34

13% above the national median overdraft fee

34 verified fees collected

Headline fees published

9 of 15

Published fees

Under review

Assets

$2.0B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$2.0B

Total deposits

$1.7B

Service charge income

$408K

Fee income ratio

1.9%

Return on assets

0.55%

Branches

Service charge income by quarter

Q2 2026$408K

Q1 2026$360K

Q4 2025$359K

Q3 2025$356K

Financial profile · Pro

Performance from regulator filings

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Based on 66,435 published fee entries from 3,614 institutions

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