Compared with Washington
9 of 15
compared fees are above the median.
4 below, 2 about the same.
About the same: within 1% of the median.
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
31st percentile; peer median 2.9%
FDIC call report data · Jun 30, 2026
Fees above the Washington median
of 15 compared; 4 below, 2 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for WaFd Bank 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) RCON2170 | 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 95 banks with $10B to $50B 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 Washington median | Published fees above the Washington median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | WaFd Bank's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.0% of revenue, below the 2.9% median of 95 banks with $10B to $50B in assets (31st 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 $4.2M in Q2 2026, 13% above the same quarter a year earlier ($3.7M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
9 of 15 compared published fees sit above the Washington median; 4 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 Washington medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $9, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Washington, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 2.9% from Q3 2025 to Q2 2026, to $4.2M. Its share of revenue, 2.0%, is below the 2.9% median for banks with $10B to $50B in assets.
$4.2M
WaFd BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 95 banks with $10B to $50B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $4 to $12; we compare the midpoint.
WaFd Bank · $27.6B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| WaFd Bank(this institution) | Seattle, WA | $27.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ameriprise Bank, FSB | Minneapolis, MN | $25.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ameris Bank | Atlanta, GA | $28.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Arvest Bank | Fayetteville, AR | $28.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Axos Bank | San Diego, CA | $28.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of Hawaii | Honolulu, HI | $23.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Beacon Bank and Trust | Brookline, MA | $22.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Centennial Bank | Conway, AR | $24.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| City National Bank of Florida | Miami, FL | $29.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Customers Bank | Malvern, PA | $26.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Eastern Bank | Boston, MA | $31.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Financial Bank | Cincinnati, OH | $22.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Hawaiian Bank | Honolulu, HI | $23.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Interstate Bank | Billings, MT | $25.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fulton Bank, National Association | Lancaster, PA | $32.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Glacier Bank | Kalispell, MT | $31.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| OceanFirst Bank, National Association | Toms River, NJ | $23.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Provident Bank | Jersey City, NJ | $25.7B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Renasant Bank | Tupelo, MS | $27B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sallie Mae Bank | Salt Lake City, UT | $28.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Simmons Bank | Pine Bluff, AR | $24.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| TD Bank USA, National Association | Wilmington, DE | $32.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Capital Bank | Dallas, TX | $33.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Community Bank | Greenville, SC | $29B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| WesBanco Bank, Inc. | Wheeling, WV | $27.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wilmington Savings Fund Society, FSB | Wilmington, DE | $22.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $9, the middle of its five prices, against a peer median of $14.50 among 14 publishing peers.
Its five checking prices are $4, $6, $9, $10 and $12.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 27, 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 Oct 27, 2026. Total assets from FDIC and NCUA records.
Call reports for WaFd Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $4.2M | +$264K | +6.7% |
| Q1 2026 | $3.9M | −$69K | −1.7% |
| Q4 2025 | $4.0M | −$76K | −1.9% |
| Q3 2025 | $4.1M | +$360K | +9.7% |
| Q2 2025 | $3.7M | +$213K | +6.1% |
| Q1 2025 | $3.5M | +$20K | +0.6% |
| Q4 2024 | $3.5M | +$163K | +4.9% |
| Q3 2024 | $3.3M | −$231K | −6.5% |
Financial cohort: 111 banks with $10B to $50B in assets filing for Q2 2026; 95 reported a share above 0% and are counted, WaFd Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to WaFd Bank by share.
Amounts from WaFd Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per hour
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Premium Rewards Checking Service Charge | $9Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Rewards Checking Service Charge | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service Charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service Charge | $12Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Service Charge | $4Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account Fee—Checking onlyAssessed after 270 days without activity | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research Fee (1 Hour Minimum) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Insufficient Funds Charge (Paid) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Insufficient Funds Charge (Returned) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer Fee | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Card Replacement—Standard Service | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Card Replacement—Expedited Service | $40Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| VISA International Transaction Fee (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
| VISA International Transaction Fee | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Outgoing—Domestic wire | $30Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfers: Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Outgoing—International FX wire | $60Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| Outgoing—International USD wire | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier's Checks | $8Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| All Other Foreign Check Processing | $30Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Canadian Check Processing | $10Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Images with Monthly Statement | $5Not compared: Monthly charge, not per item | per month | None |
Account Services | |||
| Notary Services | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Legal Processing | $75Inside the U.S. middle 50% ($50 to $150 nationally) | 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
Nov 1, 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 WaFd Bank operates, and what regulators and customers have on file.
Branch footprint
212 offices in 9 states, $21.1B in branch deposits (June 2026)
Hover a state for its branch count.
Largest markets by deposits
| 38 | $6.4B | |
| Outside a metro area | 50 | $2.8B |
| 6 | $1.4B | |
| 2 | $1.1B | |
| 4 | $964.8M | |
| 5 | $870.9M | |
| 9 | $613.1M | |
| 5 | $584.8M |
Seattle-Tacoma-Bellevue, WA
4.5% of bank deposits, #7 of 43, up 1.6 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Bank of America, National Association | 25.5% |
| JPMorgan Chase Bank, National Association | 15.7% |
| Wells Fargo Bank, National Association | 11.5% |
| U.S. Bank National Association | 11.1% |
| Columbia Bank | 7.4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Seattle-Tacoma-Bellevue, WA, WaFd Bank holds 4.5% of bank deposits, #7 of 43, with 38 offices.
897 offices of 84 institutions shown.
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 43 institutions shown. $143.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 4.5% share, 38 offices, #7 of 43
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
237 offices of 43 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
38 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Managing an account | 16 |
| Problem with a lender or other company charging your account | 4 |
| Closing an account | 4 |
| Incorrect information on your report | 3 |
| Problem caused by your funds being low | 2 |
| Struggling to pay mortgage | 2 |
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
None on file with the Federal Reserve and Washington Department of Financial Institutions
The Federal Reserve and Washington Department of Financial Institutions have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve and Washington Department of Financial Institutions, 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
WAFD INC (Nasdaq: WAFD)
Consolidated assets
$27.6B
Shareholders' equity
$3.0B
As of
2026Q2
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 936528. 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.