Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Large regional bank, $50B to $250B

SoFi Bank, National Association

Cottonwood Heights, UtahBankSan Francisco Fed districtFees collected Oct 5, 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

Monthly maintenance fee$0Below the typical range ($4–$10 nationally)

Overdraft & NSFVerified

Overdraft Fee$0Below the typical range ($25–$33 nationally)
$30 below the national median$25 below the Utah median
Source
Return Item fee$0Below the typical range ($25–$32 nationally)
$30 below the national median$25 below the Utah median
Source

ATM & CardVerified

Allpoint ATM transaction fee$0Below the typical range ($1–$2.25 nationally)
$1.50 below the national median$1.50 below the Utah median
per item · Institution’s schedule
Replacement Card fee$0Below the typical range ($5–$10 nationally)
$10 below the national median$5 below the Utah median
Source
Replacement Card Rush Delivery$0Below the typical range ($30–$50 nationally)
$40 below the national median$25 below the Utah median
Source

Wire TransfersVerified

Outgoing domestic wire transfer$30Above the typical range ($20–$25 nationally)
$5 above the national median$10 above the Utah median
per item · Source
Incoming wire transfers$0Below the typical range ($5–$15 nationally)
$10 below the national median$5 below the Utah median
per item · Source

Digital & ElectronicVerified

Bill Pay$0Within the typical range ($0–$9.95 nationally)
$2.50 below the national medianAt the Utah median
per item · Source
Mobile Deposit Capture$0Within the typical range ($0–$0 nationally)
At the national median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Monthly maintenance fee	$0Below the typical range ($4–$10 nationally)	$6 below the national medianAt the Utah median	per month	—	Source
Minimum balance fee	$0Below the typical range ($5–$10 nationally)	$7 below the national medianAt the Utah median	—	—	Source
Inactive account fee	$0Below the typical range ($5–$10 nationally)	$5 below the national median$5 below the Utah median	—	—	Source
Overdraft & NSFVerified
Overdraft Fee	$0Below the typical range ($25–$33 nationally)	$30 below the national median$25 below the Utah median	—	—	Source
Return Item fee	$0
ATM & CardVerified
Allpoint ATM transaction fee	$0Below the typical range ($1–$2.25 nationally)	$1.50 below the national median$1.50 below the Utah median	per item	—	Institution’s schedule
Replacement Card fee	$0
Wire TransfersVerified
Outgoing domestic wire transfer	$30Above the typical range ($20–$25 nationally)	$5 above the national median$10 above the Utah median	per item	—	Source
Incoming wire transfers	$0
Check ServicesVerified
Stop Payment fee	$0Below the typical range ($20–$30 nationally)	$27.50 below the national median$15 below the Utah median	—	—	Source
Digital & ElectronicVerified
Bill Pay	$0Within the typical range ($0–$9.95 nationally)	$2.50 below the national medianAt the Utah median	per item	—	Source
Mobile Deposit Capture	$0
Account ServicesVerified
Statement & Research – Legal Processing	$0Below the typical range ($30–$100 nationally)	$50 below the national median	—	—	Source
Other feesVerified
Allpoint ATM Transactions – Domestic/International	$0	—	per transaction	—	Source

Against San Francisco Fed district banks

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

Overdraft
$0.00
Of 45 others that publish it, 0 lower, 3 the same and 42 higher.
Monthly maintenance
$0.00
Of 49 others that publish it, 0 lower, 7 the same and 42 higher.

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Headline fees published

9 of 15

Published fees

Under review

Assets

$56.8B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$56.8B

Total deposits

$46.8B

Service charge income

$22K

Fee income ratio

0.00%

Return on assets

1.95%

Branches

Service charge income by quarter

Q2 2026$22K

Q1 2026$23K

Q4 2025$23K

Q3 2025$26K

Financial profile · Pro

Performance from regulator filings

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