Bank of China

Headquarters: New York, New York
Charter: Bank
Assets: $48.5B
Fed district: New York
Regulator: OCC

Explore Hamilton View published fees

Compared with New York

6 of 13

compared fees are above the median.

4 below, 3 about the same.

About the same: within 1% of the median.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Not reported
Not on file
Service-charge income
Not reported
Not on file
Service-charge share of revenue
Not reported
Peer median 2.9%
FDIC call report data · Jun 30, 2026
Fees above the New York median
of 13 compared; 4 below, 3 about the same
See the fees
Fee schedule read Oct 5, 2026

How these figures are measured

Call-report figures are for Bank of China 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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income)	Not on file	Not on file	Not recorded
Service-charge income	Service charges on deposit accounts	Not on file	Not on file	Not recorded
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 96 banks with $10B to $50B 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 New York median	Published fees above the New York median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Bank of China's published fee schedule; Bank Fee Index medians	Current schedule	Oct 5, 2026

Service-charge income by quarter

Not reported

Fewer than two quarters on file.

Details

Entity: Bank of China (bank level, not the holding company)
Measure: Service charges on deposit accounts
Retrieved: Oct 24, 2026

What stands out

6 of 13 compared published fees sit above the New York median; 4 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.

Fees against the market

Comparison with New York medians for fees published by banks and credit unions.

NSF / Returned Item
Bank of China: $20
Bank of China: $20
New York median: $30140 publishNew York district median: $30194 publishU.S. median: $302,857 publish
Stop Payment
Compared at $22.50, the middle of its prices
Bank of China: $15 to $30
Bank of China: $15 to $30
New York median: $25171 publishNew York district median: $25250 publishU.S. median: $27.503,349 publish
Cashier's Check
Bank of China: $10
Bank of China: $10
New York median: $5126 publishNew York district median: $5182 publishU.S. median: $52,586 publish

Published schedulesBanks and credit unionsRead Oct 5, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Among its peers

Bank of China · $48.5B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$31.1B to $65.4B in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Bank of China(this institution)	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
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 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
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
Eastern Bank	Boston, MA	$31.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	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
Fulton Bank, National Association	Lancaster, PA	$32.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Glacier Bank	Kalispell, MT	$31.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	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
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
SoFi Bank, National Association	Cottonwood Heights, UT	$56.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
TD Bank USA, National Association	Wilmington, DE	$32.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Texas Capital Bank	Dallas, TX	$33.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	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

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

7 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Bank of China does not publish a monthly maintenance fee in the index.

The peer median is $9.25 among 18 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

Bank of China does not publish a monthly maintenance fee, so it is not on this chart.

Bank of ChinaPeer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Bank of China (bank level, not the holding company). Income lines are standalone quarters.

Measure

Total assets

Q3 2024 to Q2 2026, quarter end · 66 quarters on file

Latest, Q2 2026: $48.5B
vs prior quarter: +$4.1B+9.2%; from Q1 2026
vs a year earlier: +$2.9B+6.4%; from Q2 2025
vs start of range: +$1.5B+3.2%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Bank of China (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Total assets at quarter end
Calculation: Point in time, at quarter end
Fields: ASSET
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$48.5B	+$4.1B	+9.2%
Q1 2026	$44.4B	−$17.4B	−28.2%
Q4 2025	$61.9B	+$21.6B	+53.6%
Q3 2025	$40.3B	−$5.3B	−11.6%
Q2 2025	$45.6B	+$3.3B	+7.7%
Q1 2025	$42.3B	−$14.0B	−24.9%
Q4 2024	$56.3B	+$9.3B	+19.9%
Q3 2024	$47.0B	+$5.7B	+13.7%

Service-charge share against its size cohort

Financial cohort: 111 banks with $10B to $50B in assets filing for Q2 2026; 96 reported a share above 0% and are counted, Bank of China left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

Bank of China: Not reported
Percentile: Not reported
25th percentile: 1.7%
Median: 2.9%
75th percentile: 4.0%

Median 2.9%Middle half 1.7% to 4.0%Peers at each share1 above 10%, counted in the last bar

Find a peer (96)

The 15 closest to Bank of China by share.

Details

Source: FDIC BankFind Suite (call report data)
Entity: Each bank, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026)
Measure: Service charges on deposit accounts divided by revenue (net interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: ISERCHGQ / (NIMQ + NONIIQ)

Published fee schedule

Amounts from Bank of China’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Any accounts closed within six (6) months of opening$30
Above the U.S. middle 50% ($10 to $25 nationally)
Abandoned Property (per item)$25
Above the U.S. middle 50% ($5 to $10 nationally)
per item

Overdraft & NSF

NSF – ACH Debit$20
Below the U.S. middle 50% ($25 to $32 nationally)

ATM & Card

Debit Card Foreign Transactions fee3%of the transaction

Check Services

Certified Check$10
Above the U.S. middle 50% ($3 to $6 nationally)
per item
Official Checks (to all payees)$10
Above the U.S. middle 50% ($3 to $6 nationally)
Personal Money Order$5
Above the U.S. middle 50% ($2 to $3 nationally)
per item
Stop Payment$30
Inside the U.S. middle 50% ($20 to $30 nationally)
per item
Stop payment on the purchased International Demand Draft reported lost by cable/mail$15
Below the U.S. middle 50% ($20 to $30 nationally)
Counter Checks$2
Inside the U.S. middle 50% ($1 to $4 nationally)
per item
Counter Checks (per check)$2
Inside the U.S. middle 50% ($1 to $4 nationally)
per item
Check Image Retrieval/Proof of Payment Fee$10
Above the U.S. middle 50% ($2 to $5 nationally)

Digital & Electronic

ACH returned unpaid (per item): Personal Account$10
Below the U.S. middle 50% ($20 to $30 nationally)

Cash & Deposit

Coin Exchange Fee$0.20
Inside the U.S. middle 50% ($0 to $2.55 nationally)
per item · per roll

Account Services

Notary Public$2
Inside the U.S. middle 50% ($0 to $5 nationally)
per item · per page
Notary Public (per page)$2
Inside the U.S. middle 50% ($0 to $5 nationally)
per item
Restraining Notices and Tax Levies$20
Below the U.S. middle 50% ($30 to $85 nationally)
Revenue Service, Levies or summons and Subpoenas$80
Inside the U.S. middle 50% ($30 to $85 nationally)

Other Fees

Fax charge (domestic)$5
Inside the U.S. middle 50% ($2 to $5 nationally)
• Fax charge (domestic): first page ... $5.00
Fax charge (international): first page$15
Above the U.S. middle 50% ($2 to $5 nationally)
Interim statement$5
Inside the U.S. middle 50% ($2 to $5 nationally)

Fee	Amount	Basis	Note
Account Maintenance
Any accounts closed within six (6) months of opening	$30Above the U.S. middle 50% ($10 to $25 nationally)	Not stated	None
Abandoned Property (per item)	$25Above the U.S. middle 50% ($5 to $10 nationally)	per item	None
Overdraft & NSF
NSF – ACH Debit	$20Below the U.S. middle 50% ($25 to $32 nationally)	Not stated	None
ATM & Card
Debit Card Foreign Transactions fee	3%of the transaction	Not stated	None
Check Services
Certified Check	$10Above the U.S. middle 50% ($3 to $6 nationally)	per item	None
Official Checks (to all payees)	$10Above the U.S. middle 50% ($3 to $6 nationally)	Not stated	None
Personal Money Order	$5Above the U.S. middle 50% ($2 to $3 nationally)	per item	None
Stop Payment	$30Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
Stop payment on the purchased International Demand Draft reported lost by cable/mail	$15Below the U.S. middle 50% ($20 to $30 nationally)	Not stated	None
Counter Checks	$2Inside the U.S. middle 50% ($1 to $4 nationally)	per item	None
Counter Checks (per check)	$2Inside the U.S. middle 50% ($1 to $4 nationally)	per item	None
Check Image Retrieval/Proof of Payment Fee	$10Above the U.S. middle 50% ($2 to $5 nationally)	Not stated	None
Digital & Electronic
ACH returned unpaid (per item): Personal Account	$10Below the U.S. middle 50% ($20 to $30 nationally)	Not stated	None
Cash & Deposit
Coin Exchange Fee	$0.20Inside the U.S. middle 50% ($0 to $2.55 nationally)	per item	per roll
Account Services
Notary Public	$2Inside the U.S. middle 50% ($0 to $5 nationally)	per item	per page
Notary Public (per page)	$2Inside the U.S. middle 50% ($0 to $5 nationally)	per item	None
Restraining Notices and Tax Levies	$20Below the U.S. middle 50% ($30 to $85 nationally)	Not stated	None
Revenue Service, Levies or summons and Subpoenas	$80Inside the U.S. middle 50% ($30 to $85 nationally)	Not stated	None
Other Fees
Fax charge (domestic)	$5Inside the U.S. middle 50% ($2 to $5 nationally)	Not stated	• Fax charge (domestic): first page ... $5.00
Fax charge (international): first page	$15Above the U.S. middle 50% ($2 to $5 nationally)	Not stated	None
Interim statement	$5Inside the U.S. middle 50% ($2 to $5 nationally)	Not stated	None

Correct a fee source

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.

Branches and public record

Where Bank of China operates, and what regulators and customers have on file.

Branch footprint

1 offices in 1 state, $22.6B in branch deposits (June 2026)

Each dot is one office.

This bankOther banks and credit unions

Largest markets by deposits

$22.6B

New York-Newark-Jersey City, NY-NJ

0.8% of bank deposits, #17 of 151, up 0.1 points over five years.

Largest competitors here	Deposit share
JPMorgan Chase Bank, National Association	34.1%
Goldman Sachs Bank USA	9.6%
The Bank of New York Mellon	8.8%
Morgan Stanley Private Bank, National Association	7.2%
Bank of America, National Association	6.2%

Fees in New York →

Branch count by year

Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.

Market position

In New York-Newark-Jersey City, NY-NJ, Bank of China holds 0.8% of bank deposits, #17 of 151, with 1 office.

Compare fees with the 174 New York-Newark-Jersey City, NY-NJ banks and credit unions in its home-metro peer set →

Offices in the metro

900 offices of 15 institutions shown.

Bank of ChinaOther banksCredit unions

Showing 900 of 4,574 offices: the largest institutions' offices, with banks and credit unions in proportion.

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: New York-Newark-Jersey City, NY-NJ metro (FDIC metro code 35620), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 50 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1JPMorgan Chase Bank, National Association34.1%
2Goldman Sachs Bank USA9.6%
3The Bank of New York Mellon8.8%
4Morgan Stanley Private Bank, National Association7.2%
5Bank of America, National Association6.2%
6Citibank, National Association3.8%
7HSBC Bank USA, National Association3.6%
8TD Bank, National Association3.1%
17Bank of China0.8%

9 of 151 institutions shown. $2.9T in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: New York-Newark-Jersey City, NY-NJ metro (FDIC metro code 35620)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 0.8% share, 1 office, #17 of 151

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: New York-Newark-Jersey City, NY-NJ metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

517 offices of 199 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 complaints to the CFPB so far in 2026

Checking or savings account
Bank account or service
Credit card or prepaid card
Money transfer, virtual currency, or money service
Other

Top issues, 2026 to date

Managing an account

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

10 past actions

Past (latest 5 of 10)

Civil Money Penalty (CMP)April 24, 2018
OCC, penalty $12.5M
BSA Independent Testing/Audit; BSA Internal Controls; BSA Officer; BSA Program Violation / 12 CFR 21.21; BSA SAR Violation / 12 CFR 21.11 or 163.180; BSA Training; BSA Violation Cited; BSA/AML; Customer/Enhanced Due Diligence (CDD/EDD); OFAC Compliance Issue; SAR/CTR Monitoring/Filing Issue
Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D)April 24, 2018
OCC. Ended June 21, 2022
BSA Independent Testing/Audit; BSA Internal Controls; BSA Officer; BSA Program Violation / 12 CFR 21.21; BSA Risk Assessment; BSA SAR Violation / 12 CFR 21.11 or 163.180; BSA Training; BSA Violation Cited; BSA/AML; Customer/Enhanced Due Diligence (CDD/EDD); OFAC Compliance Issue; SAR/CTR Monitoring/Filing Issue
Formal AgreementDecember 16, 2015
OCC. Ended April 24, 2018
BSA Independent Testing/Audit; BSA Internal Controls; BSA Pillar Violation / 12 CFR 21.21(d); BSA Risk Assessment; BSA Violation Cited; BSA/AML; Customer/Enhanced Due Diligence (CDD/EDD); OFAC Compliance Issue; SAR/CTR Monitoring/Filing Issue
Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D)September 7, 2005
OCC. Ended May 6, 2009
Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D)September 7, 2005
OCC. Ended May 6, 2009

Source: public enforcement action lists from the OCC, 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

Get an email when Bank of China's nsf / returned item changes in our data

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