Compared with Virginia
2 of 9
compared fees are above the median.
7 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
20th percentile; peer median 4.4%
FDIC call report data · Jun 30, 2026
Fees above the Virginia median
of 9 compared; 7 below, 0 about the same
See the feesFee schedule read Oct 9, 2026
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) One quarter, as reported. Median and percentile from each of 15 banks with over $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 Virginia median | Published fees above the Virginia 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
Service charges were 0.2% of revenue, below the 4.4% median of 15 banks with over $250B in assets (20th 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 $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.
2 of 9 compared published fees sit above the Virginia median; 7 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 Virginia medians for fees published by banks and credit unions.
Cashier's Check
Monthly Maintenance
Overdraft (OD)
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.
Service-charge income fell 21% from Q3 2025 to Q2 2026, to $31.0M. Its share of revenue, 0.2%, is below the 4.4% median for banks with over $250B in assets.
$31.0M
Capital One, National AssociationMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 15 banks with over $250B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for Capital One, 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 | $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% |
Financial cohort: 18 banks with over $250B in assets filing for Q2 2026; 15 reported a share above 0% and are counted, Capital One, 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 Capital One, National Association by share.
Amounts from Capital One, National Association’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
one time
per transaction
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Charge | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account research | No chargeBelow the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
Overdraft & NSF | |||
| No-Fee Overdraft | No chargeBelow the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
ATM & Card | |||
| Other Bank ATMs | No chargeBelow the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing domestic wire transfer | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire transfer services: Domestic incoming | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashier's check purchased at a Capital One location | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Check Printing | $25Above the U.S. middle 50% ($0.40 to $19.67 nationally) | Not stated | None |
| Checkbook (first 50 quantity) | No chargeBelow the U.S. middle 50% ($0.40 to $19.67 nationally) | one time | None |
| Stop payment | No chargeBelow the U.S. middle 50% ($20 to $30 nationally) | 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 chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
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.
Where Capital One, National Association operates, and what regulators and customers have on file.
Branch footprint
245 offices in 9 states, $512.5B in branch deposits (June 2026)
Hover a state for its branch count.
Largest markets by deposits
| 2 | $312.9B | |
| Outside a metro area | 9 | $74.7B |
| 57 | $64.8B | |
| 92 | $34.6B | |
| 19 | $9.3B | |
| 8 | $4.7B | |
| 14 | $2.9B | |
| 9 | $1.8B |
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
45.7% of bank deposits, #1 of 88, up 17.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| TD Bank, National Association | 13.4% |
| Barclays Bank Delaware | 5.2% |
| Wells Fargo Bank, National Association | 5.1% |
| PNC Bank, National Association | 4.5% |
| TD Bank USA, National Association | 4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Philadelphia-Camden-Wilmington, PA-NJ-DE-MD, Capital One, National Association holds 45.7% of bank deposits, #1 of 88, with 2 offices.
The fee comparison uses its home metro, New York-Newark-Jersey City, NY-NJ.
899 offices of 27 institutions shown.
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).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 88 institutions shown. $685.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
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.
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.
Consumer complaints
29,001 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Incorrect information on your report | 5,889 |
| Problem with a purchase shown on your statement | 3,884 |
| Problem with a company's investigation into an existing problem | 2,255 |
| Managing an account | 2,218 |
| Improper use of your report | 1,857 |
| Other features, terms, or problems | 1,594 |
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)
OCC, penalty $80.0M
Audit; General IT Controls; GLBA (12 CFR 30, Appx B); Information Technology; Internal Audit
OCC. Ended August 31, 2022
Audit; Compliance Risk Management; General IT Controls; GLBA (12 CFR 30, Appx B); Information Technology; Internal Audit
Federal Reserve, against the holding company, Capital One Financial Corporation. Ended July 5, 2023 · Order
OCC, penalty $100.0M
BSA Independent Testing/Audit; BSA Internal Controls; BSA Program Violation / 12 CFR 21.21; BSA Risk Assessment; BSA SAR Violation / 12 CFR 21.11 or 163.180; BSA Violation Cited; BSA/AML; Customer/Enhanced Due Diligence (CDD/EDD); Noncompliance with Enforcement Action; SAR/CTR Monitoring/Filing Issue
OCC. Ended November 4, 2019
BSA Independent Testing/Audit; BSA Internal Controls; 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
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
CAPITAL ONE FINANCIAL CORP (NYSE: COF)
Consolidated assets
$673.8B
Shareholders' equity
$113.8B
As of
2026Q2
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 927628. 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.