Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community bank, $1B to $10B

Helm Bank USA

Miami, FloridaBankAtlanta Fed districtFees collected Oct 3, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Other Account Fees Fee Name / Description Fee Amount Other Important Information About This Fee Account Closure Fee$100Above the typical range ($10–$25 nationally)

Knox deterministic extraction from Rosetta artifact #1608. canonical_hint=early_closure; text_hash=8db1deb05dd3cc0ac158023adcd2d3945d8e6c7463c75ce93efafc8cb25e1a07; excerpt="Other Account Fees Fee Name / Description Fee Amount Other Important Information About This Fee Account Closure Fee $100.00 per account  Accounts closed within 90 days of opening" · Source

 A monthly maintenance fee of$100

$82.50 above the national median

per month · Knox deterministic extraction from Rosetta artifact #1608. canonical_hint=monthly_maintenance; text_hash=8db1deb05dd3cc0ac158023adcd2d3945d8e6c7463c75ce93efafc8cb25e1a07; excerpt=" A monthly maintenance fee of $100.00 will be assessed every statement cycle if the balance in the account falls below $25,000.00 on any day of the statement cycle" · Source

ATM & CardVerified

Rush Replacement ATM or Debit Card Fee$35Within the typical range ($2–$35 nationally)
$25 above the national median
Knox deterministic extraction from Rosetta artifact #1608. canonical_hint=atm_non_network; text_hash=8db1deb05dd3cc0ac158023adcd2d3945d8e6c7463c75ce93efafc8cb25e1a07; excerpt="Rush Replacement ATM or Debit Card Fee $35.00 per card  Fee assessed for each request received for a rush replacement of a card" · Source
Rush Replacement Helm Credit Card Fee$35Within the typical range ($28.75–$50 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #1608. canonical_hint=rush_card; text_hash=8db1deb05dd3cc0ac158023adcd2d3945d8e6c7463c75ce93efafc8cb25e1a07; excerpt="Rush Replacement Helm Credit Card Fee $35.00 per card  Fee assessed for each rush replacement of a credit card" · Source

Check ServicesVerified

Overdrafts$40Above the typical range ($17.50–$30 nationally)
$15 above the national median
per item · Knox deterministic extraction from Rosetta artifact #1608. canonical_hint=stop_payment; text_hash=8db1deb05dd3cc0ac158023adcd2d3945d8e6c7463c75ce93efafc8cb25e1a07; excerpt="Overdrafts $40.00 per item Reference Letter $15.00 per request Reference Letter - Rush $30.00 per request Records Research $30.00 per hour Stop Payment $40.00 per item  Check and " · Source

Cash & DepositVerified

Deposited Item Return$20Within the typical range ($10–$20 nationally)
$5 above the national median
per item · Knox deterministic extraction from Rosetta artifact #1608. canonical_hint=deposited_item_return; text_hash=8db1deb05dd3cc0ac158023adcd2d3945d8e6c7463c75ce93efafc8cb25e1a07; excerpt="Deposited Item Return $20.00 per item Dormant Account Fees $25.00 per statement cycle  An account is classified as dormant after a period of 12 consecutive months of inactivity" · Source

Account ServicesVerified

Legal Process$125Above the typical range ($25–$100 nationally)
$75 above the national median
Knox deterministic extraction from Rosetta artifact #1608. canonical_hint=garnishment_levy; text_hash=8db1deb05dd3cc0ac158023adcd2d3945d8e6c7463c75ce93efafc8cb25e1a07; excerpt="Legal Process $125.00 each occurrence  Fee includes levy, writ, garnishment and any other legal document(s) that requires funds to be attached" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Other Account Fees Fee Name / Description Fee Amount Other Important Information About This Fee Account Closure Fee	$100Above the typical range ($10–$25 nationally)	$80 above the national median	—	Knox deterministic extraction from Rosetta artifact #1608. canonical_hint=early_closure; text_hash=8db1deb05dd3cc0ac158023adcd2d3945d8e6c7463c75ce93efafc8cb25e1a07; excerpt="Other Account Fees Fee Name / Description Fee Amount Other Important Information About This Fee Account Closure Fee $100.00 per account  Accounts closed within 90 days of opening"	Source
 A monthly maintenance fee of	$100Within the typical range ($5–$200 nationally)	$82.50 above the national median	per month	Knox deterministic extraction from Rosetta artifact #1608. canonical_hint=monthly_maintenance; text_hash=8db1deb05dd3cc0ac158023adcd2d3945d8e6c7463c75ce93efafc8cb25e1a07; excerpt=" A monthly maintenance fee of $100.00 will be assessed every statement cycle if the balance in the account falls below $25,000.00 on any day of the statement cycle"	Source
ATM & CardVerified
Rush Replacement ATM or Debit Card Fee	$35Within the typical range ($2–$35 nationally)	$25 above the national median	—	Knox deterministic extraction from Rosetta artifact #1608. canonical_hint=atm_non_network; text_hash=8db1deb05dd3cc0ac158023adcd2d3945d8e6c7463c75ce93efafc8cb25e1a07; excerpt="Rush Replacement ATM or Debit Card Fee $35.00 per card  Fee assessed for each request received for a rush replacement of a card"	Source
Check ServicesVerified
Overdrafts	$40Above the typical range ($17.50–$30 nationally)	$15 above the national median	per item	Knox deterministic extraction from Rosetta artifact #1608. canonical_hint=stop_payment; text_hash=8db1deb05dd3cc0ac158023adcd2d3945d8e6c7463c75ce93efafc8cb25e1a07; excerpt="Overdrafts $40.00 per item Reference Letter $15.00 per request Reference Letter - Rush $30.00 per request Records Research $30.00 per hour Stop Payment $40.00 per item  Check and "	Source
Cash & DepositVerified
Deposited Item Return	$20Within the typical range ($10–$20 nationally)	$5 above the national median	per item	Knox deterministic extraction from Rosetta artifact #1608. canonical_hint=deposited_item_return; text_hash=8db1deb05dd3cc0ac158023adcd2d3945d8e6c7463c75ce93efafc8cb25e1a07; excerpt="Deposited Item Return $20.00 per item Dormant Account Fees $25.00 per statement cycle  An account is classified as dormant after a period of 12 consecutive months of inactivity"	Source
Account ServicesVerified
Legal Process	$125Above the typical range ($25–$100 nationally)	$75 above the national median	—	Knox deterministic extraction from Rosetta artifact #1608. canonical_hint=garnishment_levy; text_hash=8db1deb05dd3cc0ac158023adcd2d3945d8e6c7463c75ce93efafc8cb25e1a07; excerpt="Legal Process $125.00 each occurrence  Fee includes levy, writ, garnishment and any other legal document(s) that requires funds to be attached"	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft fee: $40

60% above the national median overdraft fee

Total fees: 7 — leaner than most institutions

Verified fees

Under review

Assets

$1.2B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$1.2B

Total deposits

$1.1B

Service charge income

$268K

Fee income ratio

2.0%

Return on assets

1.07%

Branches

Service charge income by quarter

Q2 2026$268K

Q1 2026$267K

Q4 2025$257K

Q3 2025$255K

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 5,474 verified fees from 1,488 institutions

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