Pacific National Bank

Headquarters: Miami, Florida
Charter: Bank
Assets: $1.6B
Fed district: Atlanta

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

Source: its fee schedule, read Oct 24, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Pacific National Bank: $35
Pacific National Bank: $35
U.S. median: no median
NSF / Returned Item
Pacific National Bank: $30
Pacific National Bank: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Compared at $22.50, the middle of its prices
Pacific National Bank: $20 to $25
Pacific National Bank: $20 to $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 24, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta 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).
Florida: Banks and credit unions headquartered in Florida that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 Pacific National Bank’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account or Escheatable Account Charge-additional charge per account, per month, included in monthly$25
per month
Account Reconciliation/Positive Pay, per account, per month$35
Not compared: Monthly charge, not per item
per month
Paper Statement per monthly cycle$7.50
per month
Returned Mail/Insufficient Address/Bad Address, per account, per month$5
per month

Overdraft & NSF

NSF/Overdraft/Uncollected Fee per PAID item$35
Returned Items, each - Within U.S./Outside U.S.$30
per item
Overdraft Continuous Daily Fee on balance (after 3 calendar days) per account, per day$3
per day
NSF/Overdraft Daily Sweep Fee$30
Not compared: Daily charge, not per item
per day

ATM & Card

Replacement Card$5
per item
Rush Order Card$50
per item

Wire Transfers

Outgoing Domestic Wire Transfer Fee$25
per item
Wire Transfers: Domestic$20
per item
Incoming Domestic Wire Transfer Fee$10
per item
Outgoing International Wire Transfer Fee - Consumer$60
per item
Incoming International Wire Transfer Fee$15
per item
Incoming International Wire Transfer Return$35
per item

Check Services

Stop Payment ACH (audience not stated, treated as personal)$35
per item
Stop Payment Check, each for 6 months (audience not stated, treated as personal)$35
per item
Non-customer Check Cashing Fee, per item$7.50
per item
Collection Items (audience not stated, treated as personal)$125
Imaging Copies, per item$5
per item

Digital & Electronic

ACH File Deletion, Batch$5
per item
ACH File, Batch$1
per item
ACH Origination, per item$0.15
per item
ACH Origination Returned Items, Invalid/Unable to Locate Account, Revoked or Unauthorized, per item$50
per item
ACH Origination Returned Items, per item$22.50
per item

Cash & Deposit

Deposited Items Returned/Rejected/Discrepancies$22.50
per item

Account Services

Notary Service (acknowledgements & certifying copies only), per signature$10
per item
Key Replacement Fee, per key$15
Not compared: Box drilling or key fee
per item
Late Fee, per box, per month$10
Not compared: Monthly charge, not annual
per month
Safe Deposit Box 10 X 10$400
per year
Safe Deposit Box 3 X 10$100
per year
Safe Deposit Box 3 X 5$50
per year
Safe Deposit Box 5 X 10$200
per year
Safe Deposit Box 7 X 10$300
per year

Other Fees

Courier Services: Outside U.S. (audience not stated, treated as personal)$10
Courier Services: Within U.S. (audience not stated, treated as personal)$5
Photocopies$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account or Escheatable Account Charge-additional charge per account, per month, included in monthly	$25	per month	None
Account Reconciliation/Positive Pay, per account, per month	$35Not compared: Monthly charge, not per item	per month	None
Paper Statement per monthly cycle	$7.50	per month	None
Returned Mail/Insufficient Address/Bad Address, per account, per month	$5	per month	None
Overdraft & NSF
NSF/Overdraft/Uncollected Fee per PAID item	$35	Not stated	None
Returned Items, each - Within U.S./Outside U.S.	$30	per item	None
Overdraft Continuous Daily Fee on balance (after 3 calendar days) per account, per day	$3	per day	None
NSF/Overdraft Daily Sweep Fee	$30Not compared: Daily charge, not per item	per day	None
ATM & Card
Replacement Card	$5	per item	None
Rush Order Card	$50	per item	None
Wire Transfers
Outgoing Domestic Wire Transfer Fee	$25	per item	None
Wire Transfers: Domestic	$20	per item	None
Incoming Domestic Wire Transfer Fee	$10	per item	None
Outgoing International Wire Transfer Fee - Consumer	$60	per item	None
Incoming International Wire Transfer Fee	$15	per item	None
Incoming International Wire Transfer Return	$35	per item	None
Check Services
Stop Payment ACH (audience not stated, treated as personal)	$35	per item	None
Stop Payment Check, each for 6 months (audience not stated, treated as personal)	$35	per item	None
Non-customer Check Cashing Fee, per item	$7.50	per item	None
Collection Items (audience not stated, treated as personal)	$125	Not stated	None
Imaging Copies, per item	$5	per item	None
Digital & Electronic
ACH File Deletion, Batch	$5	per item	None
ACH File, Batch	$1	per item	None
ACH Origination, per item	$0.15	per item	None
ACH Origination Returned Items, Invalid/Unable to Locate Account, Revoked or Unauthorized, per item	$50	per item	None
ACH Origination Returned Items, per item	$22.50	per item	None
Cash & Deposit
Deposited Items Returned/Rejected/Discrepancies	$22.50	per item	None
Account Services
Notary Service (acknowledgements & certifying copies only), per signature	$10	per item	None
Key Replacement Fee, per key	$15Not compared: Box drilling or key fee	per item	None
Late Fee, per box, per month	$10Not compared: Monthly charge, not annual	per month	None
Safe Deposit Box 10 X 10	$400	per year	None
Safe Deposit Box 3 X 10	$100	per year	None
Safe Deposit Box 3 X 5	$50	per year	None
Safe Deposit Box 5 X 10	$200	per year	None
Safe Deposit Box 7 X 10	$300	per year	None
Other Fees
Courier Services: Outside U.S. (audience not stated, treated as personal)	$10	Not stated	None
Courier Services: Within U.S. (audience not stated, treated as personal)	$5	Not stated	None
Photocopies	$1	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Dormant Account or Escheatable Account Charge-additional charge per account, per month, included in monthly$25
per month
Account Reconciliation/Positive Pay, per account, per month$35
Not compared: Monthly charge, not per item
per month
Paper Statement per monthly cycle$7.50
per month
Returned Mail/Insufficient Address/Bad Address, per account, per month$5
per month

Overdraft & NSF

NSF/Overdraft/Uncollected Fee per PAID item$35
Returned Items, each - Within U.S./Outside U.S.$30
per item
Overdraft Continuous Daily Fee on balance (after 3 calendar days) per account, per day$3
per day
NSF/Overdraft Daily Sweep Fee$30
Not compared: Daily charge, not per item
per day

ATM & Card

Replacement Card$5
per item
Rush Order Card$50
per item

Wire Transfers

Outgoing Domestic Wire Transfer Fee$25
per item
Wire Transfers: Domestic$20
per item
Incoming Domestic Wire Transfer Fee$10
per item
Incoming International Wire Transfer Fee$15
per item
Incoming International Wire Transfer Return$35
per item

Check Services

Non-customer Check Cashing Fee, per item$7.50
per item
Imaging Copies, per item$5
per item

Digital & Electronic

ACH File Deletion, Batch$5
per item
ACH File, Batch$1
per item
ACH Origination, per item$0.15
per item
ACH Origination Returned Items, Invalid/Unable to Locate Account, Revoked or Unauthorized, per item$50
per item
ACH Origination Returned Items, per item$22.50
per item
Business Bill payment, per account, per month$5.95
per month

Cash & Deposit

Deposited Items Returned/Rejected/Discrepancies$22.50
per item

Account Services

Notary Service (acknowledgements & certifying copies only), per signature$10
per item
Key Replacement Fee, per key$15
Not compared: Box drilling or key fee
per item
Late Fee, per box, per month$10
Not compared: Monthly charge, not annual
per month
Safe Deposit Box 10 X 10$400
per year
Safe Deposit Box 3 X 10$100
per year
Safe Deposit Box 3 X 5$50
per year
Safe Deposit Box 5 X 10$200
per year
Safe Deposit Box 7 X 10$300
per year
Legal - Commercial Reclamation/Garnishment/Levy/Subpoena, per service$125

Other Fees

Photocopies$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account or Escheatable Account Charge-additional charge per account, per month, included in monthly	$25	per month	None
Account Reconciliation/Positive Pay, per account, per month	$35Not compared: Monthly charge, not per item	per month	None
Paper Statement per monthly cycle	$7.50	per month	None
Returned Mail/Insufficient Address/Bad Address, per account, per month	$5	per month	None
Overdraft & NSF
NSF/Overdraft/Uncollected Fee per PAID item	$35	Not stated	None
Returned Items, each - Within U.S./Outside U.S.	$30	per item	None
Overdraft Continuous Daily Fee on balance (after 3 calendar days) per account, per day	$3	per day	None
NSF/Overdraft Daily Sweep Fee	$30Not compared: Daily charge, not per item	per day	None
ATM & Card
Replacement Card	$5	per item	None
Rush Order Card	$50	per item	None
Wire Transfers
Outgoing Domestic Wire Transfer Fee	$25	per item	None
Wire Transfers: Domestic	$20	per item	None
Incoming Domestic Wire Transfer Fee	$10	per item	None
Incoming International Wire Transfer Fee	$15	per item	None
Incoming International Wire Transfer Return	$35	per item	None
Check Services
Non-customer Check Cashing Fee, per item	$7.50	per item	None
Imaging Copies, per item	$5	per item	None
Digital & Electronic
ACH File Deletion, Batch	$5	per item	None
ACH File, Batch	$1	per item	None
ACH Origination, per item	$0.15	per item	None
ACH Origination Returned Items, Invalid/Unable to Locate Account, Revoked or Unauthorized, per item	$50	per item	None
ACH Origination Returned Items, per item	$22.50	per item	None
Business Bill payment, per account, per month	$5.95	per month	None
Cash & Deposit
Deposited Items Returned/Rejected/Discrepancies	$22.50	per item	None
Account Services
Notary Service (acknowledgements & certifying copies only), per signature	$10	per item	None
Key Replacement Fee, per key	$15Not compared: Box drilling or key fee	per item	None
Late Fee, per box, per month	$10Not compared: Monthly charge, not annual	per month	None
Safe Deposit Box 10 X 10	$400	per year	None
Safe Deposit Box 3 X 10	$100	per year	None
Safe Deposit Box 3 X 5	$50	per year	None
Safe Deposit Box 5 X 10	$200	per year	None
Safe Deposit Box 7 X 10	$300	per year	None
Legal - Commercial Reclamation/Garnishment/Levy/Subpoena, per service	$125	Not stated	None
Other Fees
Photocopies	$1	per item	None

Correct a fee source

Oct 24, 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.

Fee change alerts

Get an email when Pacific National Bank's nsf / returned item changes in our data

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Fees against the market

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

Overdraft (OD)
Pacific National Bank: $35
Pacific National Bank: $35
U.S. median: no median
NSF / Returned Item
Pacific National Bank: $30
Pacific National Bank: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Compared at $22.50, the middle of its prices
Pacific National Bank: $20 to $25
Pacific National Bank: $20 to $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 24, 2026View sources

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

Published fee schedule

Amounts from Pacific National Bank’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account or Escheatable Account Charge-additional charge per account, per month, included in monthly$25
per month
Account Reconciliation/Positive Pay, per account, per month$35
Not compared: Monthly charge, not per item
per month
Paper Statement per monthly cycle$7.50
per month
Returned Mail/Insufficient Address/Bad Address, per account, per month$5
per month

Overdraft & NSF

NSF/Overdraft/Uncollected Fee per PAID item$35
Returned Items, each - Within U.S./Outside U.S.$30
per item
Overdraft Continuous Daily Fee on balance (after 3 calendar days) per account, per day$3
per day
NSF/Overdraft Daily Sweep Fee$30
Not compared: Daily charge, not per item
per day

ATM & Card

Replacement Card$5
per item
Rush Order Card$50
per item

Wire Transfers

Outgoing Domestic Wire Transfer Fee$25
per item
Wire Transfers: Domestic$20
per item
Incoming Domestic Wire Transfer Fee$10
per item
Outgoing International Wire Transfer Fee - Consumer$60
per item
Incoming International Wire Transfer Fee$15
per item
Incoming International Wire Transfer Return$35
per item

Check Services

Stop Payment ACH (audience not stated, treated as personal)$35
per item
Stop Payment Check, each for 6 months (audience not stated, treated as personal)$35
per item
Non-customer Check Cashing Fee, per item$7.50
per item
Collection Items (audience not stated, treated as personal)$125
Imaging Copies, per item$5
per item

Digital & Electronic

ACH File Deletion, Batch$5
per item
ACH File, Batch$1
per item
ACH Origination, per item$0.15
per item
ACH Origination Returned Items, Invalid/Unable to Locate Account, Revoked or Unauthorized, per item$50
per item
ACH Origination Returned Items, per item$22.50
per item

Cash & Deposit

Deposited Items Returned/Rejected/Discrepancies$22.50
per item

Account Services

Notary Service (acknowledgements & certifying copies only), per signature$10
per item
Key Replacement Fee, per key$15
Not compared: Box drilling or key fee
per item
Late Fee, per box, per month$10
Not compared: Monthly charge, not annual
per month
Safe Deposit Box 10 X 10$400
per year
Safe Deposit Box 3 X 10$100
per year
Safe Deposit Box 3 X 5$50
per year
Safe Deposit Box 5 X 10$200
per year
Safe Deposit Box 7 X 10$300
per year

Other Fees

Courier Services: Outside U.S. (audience not stated, treated as personal)$10
Courier Services: Within U.S. (audience not stated, treated as personal)$5
Photocopies$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account or Escheatable Account Charge-additional charge per account, per month, included in monthly	$25	per month	None
Account Reconciliation/Positive Pay, per account, per month	$35Not compared: Monthly charge, not per item	per month	None
Paper Statement per monthly cycle	$7.50	per month	None
Returned Mail/Insufficient Address/Bad Address, per account, per month	$5	per month	None
Overdraft & NSF
NSF/Overdraft/Uncollected Fee per PAID item	$35	Not stated	None
Returned Items, each - Within U.S./Outside U.S.	$30	per item	None
Overdraft Continuous Daily Fee on balance (after 3 calendar days) per account, per day	$3	per day	None
NSF/Overdraft Daily Sweep Fee	$30Not compared: Daily charge, not per item	per day	None
ATM & Card
Replacement Card	$5	per item	None
Rush Order Card	$50	per item	None
Wire Transfers
Outgoing Domestic Wire Transfer Fee	$25	per item	None
Wire Transfers: Domestic	$20	per item	None
Incoming Domestic Wire Transfer Fee	$10	per item	None
Outgoing International Wire Transfer Fee - Consumer	$60	per item	None
Incoming International Wire Transfer Fee	$15	per item	None
Incoming International Wire Transfer Return	$35	per item	None
Check Services
Stop Payment ACH (audience not stated, treated as personal)	$35	per item	None
Stop Payment Check, each for 6 months (audience not stated, treated as personal)	$35	per item	None
Non-customer Check Cashing Fee, per item	$7.50	per item	None
Collection Items (audience not stated, treated as personal)	$125	Not stated	None
Imaging Copies, per item	$5	per item	None
Digital & Electronic
ACH File Deletion, Batch	$5	per item	None
ACH File, Batch	$1	per item	None
ACH Origination, per item	$0.15	per item	None
ACH Origination Returned Items, Invalid/Unable to Locate Account, Revoked or Unauthorized, per item	$50	per item	None
ACH Origination Returned Items, per item	$22.50	per item	None
Cash & Deposit
Deposited Items Returned/Rejected/Discrepancies	$22.50	per item	None
Account Services
Notary Service (acknowledgements & certifying copies only), per signature	$10	per item	None
Key Replacement Fee, per key	$15Not compared: Box drilling or key fee	per item	None
Late Fee, per box, per month	$10Not compared: Monthly charge, not annual	per month	None
Safe Deposit Box 10 X 10	$400	per year	None
Safe Deposit Box 3 X 10	$100	per year	None
Safe Deposit Box 3 X 5	$50	per year	None
Safe Deposit Box 5 X 10	$200	per year	None
Safe Deposit Box 7 X 10	$300	per year	None
Other Fees
Courier Services: Outside U.S. (audience not stated, treated as personal)	$10	Not stated	None
Courier Services: Within U.S. (audience not stated, treated as personal)	$5	Not stated	None
Photocopies	$1	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Dormant Account or Escheatable Account Charge-additional charge per account, per month, included in monthly$25
per month
Account Reconciliation/Positive Pay, per account, per month$35
Not compared: Monthly charge, not per item
per month
Paper Statement per monthly cycle$7.50
per month
Returned Mail/Insufficient Address/Bad Address, per account, per month$5
per month

Overdraft & NSF

NSF/Overdraft/Uncollected Fee per PAID item$35
Returned Items, each - Within U.S./Outside U.S.$30
per item
Overdraft Continuous Daily Fee on balance (after 3 calendar days) per account, per day$3
per day
NSF/Overdraft Daily Sweep Fee$30
Not compared: Daily charge, not per item
per day

ATM & Card

Replacement Card$5
per item
Rush Order Card$50
per item

Wire Transfers

Outgoing Domestic Wire Transfer Fee$25
per item
Wire Transfers: Domestic$20
per item
Incoming Domestic Wire Transfer Fee$10
per item
Incoming International Wire Transfer Fee$15
per item
Incoming International Wire Transfer Return$35
per item

Check Services

Non-customer Check Cashing Fee, per item$7.50
per item
Imaging Copies, per item$5
per item

Digital & Electronic

ACH File Deletion, Batch$5
per item
ACH File, Batch$1
per item
ACH Origination, per item$0.15
per item
ACH Origination Returned Items, Invalid/Unable to Locate Account, Revoked or Unauthorized, per item$50
per item
ACH Origination Returned Items, per item$22.50
per item
Business Bill payment, per account, per month$5.95
per month

Cash & Deposit

Deposited Items Returned/Rejected/Discrepancies$22.50
per item

Account Services

Notary Service (acknowledgements & certifying copies only), per signature$10
per item
Key Replacement Fee, per key$15
Not compared: Box drilling or key fee
per item
Late Fee, per box, per month$10
Not compared: Monthly charge, not annual
per month
Safe Deposit Box 10 X 10$400
per year
Safe Deposit Box 3 X 10$100
per year
Safe Deposit Box 3 X 5$50
per year
Safe Deposit Box 5 X 10$200
per year
Safe Deposit Box 7 X 10$300
per year
Legal - Commercial Reclamation/Garnishment/Levy/Subpoena, per service$125

Other Fees

Photocopies$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account or Escheatable Account Charge-additional charge per account, per month, included in monthly	$25	per month	None
Account Reconciliation/Positive Pay, per account, per month	$35Not compared: Monthly charge, not per item	per month	None
Paper Statement per monthly cycle	$7.50	per month	None
Returned Mail/Insufficient Address/Bad Address, per account, per month	$5	per month	None
Overdraft & NSF
NSF/Overdraft/Uncollected Fee per PAID item	$35	Not stated	None
Returned Items, each - Within U.S./Outside U.S.	$30	per item	None
Overdraft Continuous Daily Fee on balance (after 3 calendar days) per account, per day	$3	per day	None
NSF/Overdraft Daily Sweep Fee	$30Not compared: Daily charge, not per item	per day	None
ATM & Card
Replacement Card	$5	per item	None
Rush Order Card	$50	per item	None
Wire Transfers
Outgoing Domestic Wire Transfer Fee	$25	per item	None
Wire Transfers: Domestic	$20	per item	None
Incoming Domestic Wire Transfer Fee	$10	per item	None
Incoming International Wire Transfer Fee	$15	per item	None
Incoming International Wire Transfer Return	$35	per item	None
Check Services
Non-customer Check Cashing Fee, per item	$7.50	per item	None
Imaging Copies, per item	$5	per item	None
Digital & Electronic
ACH File Deletion, Batch	$5	per item	None
ACH File, Batch	$1	per item	None
ACH Origination, per item	$0.15	per item	None
ACH Origination Returned Items, Invalid/Unable to Locate Account, Revoked or Unauthorized, per item	$50	per item	None
ACH Origination Returned Items, per item	$22.50	per item	None
Business Bill payment, per account, per month	$5.95	per month	None
Cash & Deposit
Deposited Items Returned/Rejected/Discrepancies	$22.50	per item	None
Account Services
Notary Service (acknowledgements & certifying copies only), per signature	$10	per item	None
Key Replacement Fee, per key	$15Not compared: Box drilling or key fee	per item	None
Late Fee, per box, per month	$10Not compared: Monthly charge, not annual	per month	None
Safe Deposit Box 10 X 10	$400	per year	None
Safe Deposit Box 3 X 10	$100	per year	None
Safe Deposit Box 3 X 5	$50	per year	None
Safe Deposit Box 5 X 10	$200	per year	None
Safe Deposit Box 7 X 10	$300	per year	None
Legal - Commercial Reclamation/Garnishment/Levy/Subpoena, per service	$125	Not stated	None
Other Fees
Photocopies	$1	per item	None

Correct a fee source

Oct 24, 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.