Beneficial State Bank

Headquarters: Oakland, California
Charter: Bank
Assets: $2.0B
Fed district: San Francisco

18 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 12, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $7.50, the middle of its prices
Beneficial State Bank: $5 to $10
Beneficial State Bank: $5 to $10
U.S. median: no median
Overdraft (OD)
Beneficial State Bank: $14
Beneficial State Bank: $14
U.S. median: no median
NSF / Returned Item
Beneficial State Bank: No fee
Beneficial State Bank: No fee
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 2026View sources

Each amount links to the fee schedule it was read from. Medians for California, the San Francisco 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).
California: Banks and credit unions headquartered in California that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco 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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Published fee schedule

Amounts from Beneficial State Bank’s own schedules, with a source for each figure.

Account Maintenance

Interest Checking Monthly service charge$10
per month
Monthly service charge$5
per month
Research Fee$35
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Fee$14
per item
NSF / Returned Item FeeNo charge

ATM & Card

Foreign ATM fee$2.50
Out-of-Network ATM Card Activity$2.50
per item
Replacement Card$5
Replacement Card – Rush$35
International Service Assessment1%of the transaction

Wire Transfers

Outgoing Domestic Wire$20
per item
Incoming Domestic Wire$15
per item
Outgoing International Wire$45
per item
Incoming International Wire$20
per item

Check Services

Cashier’s Check$8
per item
Money Order$5
per item
Stop Payments$25
per item
Counter Checks Fees$5
Foreign Item Deposit$10
per item

Account Services

Electronic Payment Convenience Fee$5
Safe Deposit Box$70
per year
Safe Deposit Box 10 x 10$130
per year
Safe Deposit Box 3 x 5$40
per year
Safe Deposit Box 5 x 10$90
per year
Safe Deposit Box 5 x 5$60
per year
Safe Deposit Box Lost Key$25
Not compared: Box drilling or key fee
Levy$100

Fee	Amount	Basis	Note
Account Maintenance
Interest Checking Monthly service charge	$10	per month	None
Monthly service charge	$5	per month	None
Research Fee	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Fee	$14	per item	None
NSF / Returned Item Fee	No charge	Not stated	None
ATM & Card
Foreign ATM fee	$2.50	Not stated	None
Out-of-Network ATM Card Activity	$2.50	per item	None
Replacement Card	$5	Not stated	None
Replacement Card – Rush	$35	Not stated	None
International Service Assessment	1%of the transaction	Not stated	None
Wire Transfers
Outgoing Domestic Wire	$20	per item	None
Incoming Domestic Wire	$15	per item	None
Outgoing International Wire	$45	per item	None
Incoming International Wire	$20	per item	None
Check Services
Cashier’s Check	$8	per item	None
Money Order	$5	per item	None
Stop Payments	$25	per item	None
Counter Checks Fees	$5	Not stated	None
Foreign Item Deposit	$10	per item	None
Account Services
Electronic Payment Convenience Fee	$5	Not stated	None
Safe Deposit Box	$70	per year	None
Safe Deposit Box 10 x 10	$130	per year	None
Safe Deposit Box 3 x 5	$40	per year	None
Safe Deposit Box 5 x 10	$90	per year	None
Safe Deposit Box 5 x 5	$60	per year	None
Safe Deposit Box Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Levy	$100	Not stated	None

Correct a fee source

Oct 12, 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.

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