Compared with Utah
1 of 11
compared fees are above the median.
10 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
0th percentile; peer median 3.4%
FDIC call report data · Jun 30, 2026
Fees above the Utah median
of 11 compared; 10 below, 0 about the same
See the feesFee schedule read Oct 5, 2026
Call-report figures are for SoFi 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) RCON2170 | 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 Utah median | Published fees above the Utah median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | SoFi Bank, National Association's published fee schedule; Bank Fee Index medians | Current schedule | Oct 5, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.0% of revenue, below the 3.4% median of 30 banks with $50B to $250B in assets (0th 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 $22K in Q2 2026, 4.3% below the same quarter a year earlier ($23K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
1 of 11 compared published fees sit above the Utah median; 10 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 Utah medians for fees published by banks and credit unions.
Wire Transfer (Domestic Out)
Monthly Maintenance
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Utah, 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 15% from Q3 2025 to Q2 2026, to $22K. Its share of revenue, 0.0%, is below the 3.4% median for banks with $50B to $250B in assets.
$22K
SoFi Bank, National AssociationMedian
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.
SoFi Bank, National Association · $56.8B 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 |
|---|---|---|---|---|---|---|---|
| SoFi Bank, National Association(this institution) | Cottonwood Heights, UT | $56.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | 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 |
| Atlantic Union Bank | Richmond City, VA | $38B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Banc of California | Los Angeles, CA | $34.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| Bank OZK | Little Rock, AR | $41.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| BankUnited, National Association | Miami Lakes, FL | $34.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Barclays Bank Delaware | Wilmington, DE | $43.5B | 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 |
| 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 |
| Commerce Bank | Kansas City, MO | $35B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | 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 National Bank of Omaha | Omaha, NE | $34.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| 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 |
| Frost Bank | San Antonio, TX | $54B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hancock Whitney Bank | Gulfport, MS | $36.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| MidFirst Bank | Oklahoma City, OK | $42.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 |
| 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 |
| 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 |
| United Bank | Fairfax, VA | $33.6B | Publishes Monthly maintenance | Out-of-network ATM not published | 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 |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $0, against a peer median of $9.25 among 16 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 2, 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 2, 2026. Total assets from FDIC and NCUA records.
Call reports for SoFi 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 | $22K | −$1K | −4.3% |
| Q1 2026 | $23K | $0 | 0.0% |
| Q4 2025 | $23K | −$3K | −11.5% |
| Q3 2025 | $26K | +$3K | +13.0% |
| Q2 2025 | $23K | −$2K | −8.0% |
| Q1 2025 | $25K | −$3K | −10.7% |
| Q4 2024 | $28K | $0 | 0.0% |
| Q3 2024 | $28K | $0 | 0.0% |
Financial cohort: 33 banks with $50B to $250B in assets filing for Q2 2026; 30 reported a share above 0% and are counted, SoFi 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 SoFi Bank, National Association by share.
Amounts from SoFi Bank, National Association’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly maintenance fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Minimum balance fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Dormant account fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Escheatment, Abandoned or Unclaimed Account fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive account fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee | No chargeBelow the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Return Item fee | No chargeBelow the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Allpoint ATM transaction fee | No chargeBelow the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement Card fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement Card Rush Delivery | No chargeBelow the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing domestic wire transfer | $30Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming wire transfers | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Check Services | |||
| Stop Payment fee | No chargeBelow the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay | No chargeNot compared: Per-item charge, not monthly | per item | None |
| Zelle® / P2P Transfers (incoming and outgoing) | No chargeNot compared: Per-item charge, not monthly | per item | None |
| Mobile Deposit Capture | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | per item | None |
Account Services | |||
| Statement & Research – Legal Processing | No chargeBelow the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Oct 5, 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 SoFi Bank, National Association operates, and what regulators and customers have on file.
Branch footprint
4 offices in 2 states, $46.8B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 1 | $46.6B | |
| 2 | $144.6M | |
| 1 | $26.5M |
Salt Lake City-Murray, UT
4% of bank deposits, #7 of 57, up 4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Morgan Stanley Bank, National Association | 22.9% |
| Goldman Sachs Bank USA | 16.5% |
| American Express National Bank | 14.6% |
| Ally Bank | 13.3% |
| UBS Bank USA | 9.3% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Salt Lake City-Murray, UT, SoFi Bank, National Association holds 4% of bank deposits, #7 of 57, with 1 office.
The fee comparison uses its home metro, Yuba City, CA.
423 offices of 141 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 57 institutions shown. $1.2T in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2022 to 2026
June 2026: 4% share, 1 office, #7 of 57
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2022 to 2026.
Credit unions, reported separately
233 offices of 86 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
2,958 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Managing an account | 1,140 |
| Problem with a lender or other company charging your account | 324 |
| Closing an account | 273 |
| Incorrect information on your report | 91 |
| Fraud or scam | 91 |
| Opening an account | 91 |
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
None on file with the OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
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.
Holding company
SoFi Technologies, Inc. (Nasdaq: SOFI)
Consolidated assets
$60.9B
Shareholders' equity
$11.1B
As of
2026Q2
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 1818874. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.