Fees published

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

Community bank, $1B to $10B

Beneficial State Bank

Oakland, CaliforniaBankSan Francisco Fed districtFees collected Oct 6, 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

Research Fee$35Above the typical range ($12–$25 nationally)

Overdraft & NSFVerified

Overdraft Fee$14Below the typical range ($25–$33 nationally)
$16 below the national median$11 below the California median
per item · Source
NSF / Returned Item Fee$0Below the typical range ($25–$32 nationally)
$30 below the national median$23 below the California median
Source

ATM & CardVerified

Out-of-Network ATM Card Activity$2.50Above the typical range ($1–$2.25 nationally)
$1 above the national median$0.50 above the California median
per item · Source
Replacement Card$5Within the typical range ($5–$10 nationally)
$5 below the national median$5 below the California median
Source
Replacement Card – Rush$35Within the typical range ($30–$50 nationally)
$5 below the national median$10 below the California median
Source

Wire TransfersVerified

Outgoing Domestic Wire$20Within the typical range ($20–$25 nationally)
$5 below the national median$5 below the California median
per item · Source
Incoming Domestic Wire$15Within the typical range ($5–$15 nationally)
$5 above the national median$5 above the California median
per item · Source
Outgoing International Wire$45Within the typical range ($40–$50 nationally)
$5 below the national medianAt the California median
per item · Source
Incoming International Wire$20Within the typical range ($10–$25 nationally)
At the national median$5 above the California median
per item · Source

Check ServicesVerified

Cashier’s Check$8Above the typical range ($3–$6 nationally)
$3 above the national median$3 above the California median
per item · Source
Money Order$5Above the typical range ($1.50–$3 nationally)
$3 above the national median$2 above the California median
per item · Source
Stop Payments$25Within the typical range ($20–$30 nationally)
$2.50 below the national median$2.50 above the California median
per item · Source
Counter Checks Fees$5Above the typical range ($1–$4 nationally)
$3 above the national median$2 above the California median
Source
Foreign Item Deposit$10Within the typical range ($10–$25 nationally)
$10 below the national median$10 below the California median
per item · Source

Account ServicesVerified

Electronic Payment Convenience Fee$5Within the typical range ($0–$5 nationally)
$2.50 above the national median$10 below the California median
Source
Foreign Item Deposit$10Below the typical range ($30–$70 nationally)
$35 below the national median$65 below the California median
per year · Source
legal process: Safe Deposit Box 3 x 10$70Within the typical range ($30–$70 nationally)
$25 above the national median$5 below the California median
per year · Source
Safe Deposit Box 10 x 10$130Above the typical range ($30–$70 nationally)
$85 above the national median$55 above the California median
per year · Source
Safe Deposit Box 3 x 5$40Within the typical range ($30–$70 nationally)
$5 below the national median$35 below the California median
per year · Source
Safe Deposit Box 5 x 10$90Above the typical range ($30–$70 nationally)
$45 above the national median$15 above the California median
per year · Source
Safe Deposit Box 5 x 5$60Within the typical range ($30–$70 nationally)
$15 above the national median$15 below the California median
per year · Source
Safe Deposit Box Lost Key$25Below the typical range ($30–$70 nationally)
$20 below the national median$50 below the California median
Source
Levy$100Above the typical range ($30–$87.50 nationally)
$50 above the national median$55 above the California median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Research Fee	$35Above the typical range ($12–$25 nationally)	$17.50 above the national median$15 above the California median	—	—	Source
Overdraft & NSFVerified
Overdraft Fee	$14Below the typical range ($25–$33 nationally)	$16 below the national median$11 below the California median	per item	—	Source
NSF / Returned Item Fee	$0
ATM & CardVerified
Out-of-Network ATM Card Activity	$2.50Above the typical range ($1–$2.25 nationally)	$1 above the national median$0.50 above the California median	per item	—	Source
Replacement Card	$5
Wire TransfersVerified
Outgoing Domestic Wire	$20Within the typical range ($20–$25 nationally)	$5 below the national median$5 below the California median	per item	—	Source
Incoming Domestic Wire	$15
Check ServicesVerified
Cashier’s Check	$8Above the typical range ($3–$6 nationally)	$3 above the national median$3 above the California median	per item	—	Source
Money Order	$5
Account ServicesVerified
Electronic Payment Convenience Fee	$5Within the typical range ($0–$5 nationally)	$2.50 above the national median$10 below the California median	—	—	Source
Foreign Item Deposit	$10

Against San Francisco Fed district banks

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

Overdraft
$14.00
Of 45 others that publish it, 5 lower and 40 higher.

See every headline fee against its local competitors

Fee change alerts

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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

$14

Overdraft fee: $14

53% below the national median overdraft fee

24 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

$218K

Fee income ratio

1.1%

Return on assets

0.62%

Branches

Service charge income by quarter

Q2 2026$218K

Q1 2026$214K

Q4 2025$206K

Q3 2025$194K

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

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Based on 65,356 published fee entries from 3,591 institutions

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