Capital One, National Association

Headquarters: McLean, Virginia
Charter: Bank
Assets: $662.2B
Fed district: Richmond

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

Source: its fee schedule, read Oct 9, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 9, 2026

How these figures are measured

Call-report figures are for Capital One, 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) RCFD2170	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) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Capital One, National Association's published fee schedule; Bank Fee Index medians	Current schedule	Oct 9, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Capital One, National Association (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $31.0M in Q2 2026, 46% above the same quarter a year earlier ($21.2M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

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

Monthly Maintenance
Capital One, National Association: No fee
Capital One, National Association: No fee
U.S. median: no median
Overdraft (OD)
Capital One, National Association: No fee
Capital One, National Association: No fee
U.S. median: no median
Non-Network ATM
Capital One, National Association: No fee
Capital One, National Association: No fee
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

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

Fee income beside fee prices

Service-charge income fell 21% from Q3 2025 to Q2 2026, to $31.0M.

Service-charge income, Q2 2026

$31.0M

$39.2MQ3 2025

$30.2MQ4 2025

$27.0MQ1 2026

$31.0MQ2 2026

Against the median

Capital One, National AssociationMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Capital One, National Association · $662.2B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 13 states.

Banks only
$87.7B to $705.6B in assets
Headquartered in 13 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
Capital One, National Association(this institution)	McLean, VA	$662.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Ally Bank	Sandy, UT	$188.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
American Express National Bank	Sandy, UT	$213.9B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
BMO Bank National Association	Chicago, IL	$255B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Charles Schwab Bank, SSB	Westlake, TX	$250.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Citizens Bank, National Association	Providence, RI	$232.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
City National Bank	Los Angeles, CA	$99.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Fifth Third Bank, National Association	Cincinnati, OH	$299.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First-Citizens Bank & Trust Company	Raleigh, NC	$236.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Flagstar Bank, National Association	Hicksville, NY	$87.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
HSBC Bank USA, National Association	Tysons, VA	$173.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
KeyBank National Association	Cleveland, OH	$188.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Manufacturers and Traders Trust Company	Buffalo, NY	$218.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Morgan Stanley Private Bank, National Association	Purchase, NY	$250.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pinnacle Bank	Nashville, TN	$128.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
PNC Bank, National Association	Wilmington, DE	$609.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Regions Bank	Birmingham, AL	$159.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Santander Bank, N.A.	Wilmington, DE	$104B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
TD Bank, National Association	Wilmington, DE	$342.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Huntington National Bank	Columbus, OH	$283.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Northern Trust Company	Chicago, IL	$178.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Truist Bank	Charlotte, NC	$548.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
U.S. Bank National Association	Cincinnati, OH	$705.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
USAA Federal Savings Bank	Phoenix, AZ	$106.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Western Alliance Bank	Phoenix, AZ	$98.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Zions Bancorporation, N.A.	Salt Lake City, UT	$89B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	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

Monthly maintenance is $11 (100%) below the median of similar-sized banks.

Its published price is $0, against a peer median of $11 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 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Capital One, National Ass…Peer (equal prices stack)Peer medianInclude $50 outlierShown past the axis break, not to scale, so the rest of the set has room.

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 1, 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 Capital One, National Association (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $31.0M
vs prior quarter: +$4.0M+14.8%; from Q1 2026
vs a year earlier: +$9.8M+46.2%; from Q2 2025
vs start of range: +$11.5M+59.1%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Capital One, National Association (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$31.0M	+$4.0M	+14.8%
Q1 2026	$27.0M	−$3.2M	−10.7%
Q4 2025	$30.2M	−$9.0M	−22.9%
Q3 2025	$39.2M	+$18.0M	+84.9%
Q2 2025	$21.2M	+$5.3M	+33.7%
Q1 2025	$15.9M	−$3.4M	−17.7%
Q4 2024	$19.3M	−$222K	−1.1%
Q3 2024	$19.5M	+$526K	+2.8%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Capital One, National Association’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service ChargeNo charge
per month
Account researchNo charge

Overdraft & NSF

No-Fee OverdraftNo charge

ATM & Card

Other Bank ATMsNo charge

Wire Transfers

Outgoing domestic wire transfer$30
Wire transfer services: Domestic incomingNo charge

Check Services

Cashier's check purchased at a Capital One location$10
per item
Check Printing$25
Checkbook (first 50 quantity)No charge
one time
Stop paymentNo charge

Digital & Electronic

Cancel or edit Scheduled Bill Pay paymentNo charge
Not compared: Per-transaction charge, not monthly
per transaction

Other Fees

Statement copiesNo charge

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Charge	No charge	per month	None
Account research	No charge	Not stated	None
Overdraft & NSF
No-Fee Overdraft	No charge	Not stated	None
ATM & Card
Other Bank ATMs	No charge	Not stated	None
Wire Transfers
Outgoing domestic wire transfer	$30	Not stated	None
Wire transfer services: Domestic incoming	No charge	Not stated	None
Check Services
Cashier's check purchased at a Capital One location	$10	per item	None
Check Printing	$25	Not stated	None
Checkbook (first 50 quantity)	No charge	one time	None
Stop payment	No charge	Not stated	None
Digital & Electronic
Cancel or edit Scheduled Bill Pay payment	No chargeNot compared: Per-transaction charge, not monthly	per transaction	None
Other Fees
Statement copies	No charge	Not stated	None

Correct a fee source

Oct 9, 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 Capital One, National Association operates, and what regulators and customers have on file.

Market position

In Philadelphia-Camden-Wilmington, PA-NJ-DE-MD, Capital One, National Association holds 45.7% of bank deposits, #1 of 88, with 2 offices.

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

The fee comparison uses its home metro, New York-Newark-Jersey City, NY-NJ.

Offices in the metro

899 offices of 27 institutions shown.

Capital One, National AssociationOther banksCredit unions

Showing 899 of 1,635 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: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro (FDIC metro code 37980), 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: 36 offices have no coordinates on file

Share of bank deposits

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

1Capital One, National Association45.7%
2TD Bank, National Association13.4%
3Barclays Bank Delaware5.2%
4Wells Fargo Bank, National Association5.1%
5PNC Bank, National Association4.5%
6TD Bank USA, National Association4.0%
7Bank of America, National Association3.7%
8Citizens Bank, National Association3.4%

8 of 88 institutions shown. $685.1B 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: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro (FDIC metro code 37980)
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, 2013 to 2026

June 2026: 45.7% share, 2 offices, #1 of 88

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2013 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2013 to 2026
Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD 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

309 offices of 89 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.

Fee change alerts

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