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

Sound Community Bank

Seattle, WashingtonBankSan Francisco Fed districtFees collected Oct 4, 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

Closure Fees Accounts closed within 90 days of opening$15Within the typical range ($10–$25 nationally)

Knox deterministic extraction from Rosetta artifact #2527. canonical_hint=early_closure; text_hash=20ae37ea2bb2611803f54a3c69ebca55fc1d6b360143ff4f0c072d54bb7492e2; excerpt="Closure Fees Accounts closed within 90 days of opening: $15.00" · Source

Paper Statement Fee$5

$2 above the national median

Knox deterministic extraction from Rosetta artifact #2527. canonical_hint=paper_statement; text_hash=20ae37ea2bb2611803f54a3c69ebca55fc1d6b360143ff4f0c072d54bb7492e2; excerpt="Paper Statement Fee $5.00 per statement" · Source

Overdraft & NSFVerified

Overdraft Fee$32Above the typical range ($7.81–$30 nationally)
$9.50 above the national median
per item · Knox deterministic extraction from Rosetta artifact #2527. canonical_hint=overdraft; text_hash=20ae37ea2bb2611803f54a3c69ebca55fc1d6b360143ff4f0c072d54bb7492e2; excerpt="Overdraft Fee $32.00 per item" · Source

ATM & CardVerified

ATM Usage Fee | Network ATM. For all other ATM’s, the fee is$3Within the typical range ($1–$4.99 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #2527. canonical_hint=atm_non_network; text_hash=20ae37ea2bb2611803f54a3c69ebca55fc1d6b360143ff4f0c072d54bb7492e2; excerpt="ATM Usage Fee | Network ATM. For all other ATM’s, the fee is $3.00. This includes a" · Source

Wire TransfersVerified

Outgoing International$45Within the typical range ($35–$50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2527. canonical_hint=wire_intl_outgoing; text_hash=20ae37ea2bb2611803f54a3c69ebca55fc1d6b360143ff4f0c072d54bb7492e2; excerpt="Outgoing International: $45.00 plus international wire fee" · Source
Wire Transfers | Outgoing Domestic - Not in Person$60Above the typical range ($20–$30 nationally)
$35 above the national median
Knox deterministic extraction from Rosetta artifact #2527. canonical_hint=wire_domestic_outgoing; text_hash=20ae37ea2bb2611803f54a3c69ebca55fc1d6b360143ff4f0c072d54bb7492e2; excerpt="Wire Transfers | Outgoing Domestic - Not in Person: $60.00" · Source

Check ServicesVerified

Check Copy$2Below the typical range ($2.25–$5 nationally)
$1.50 below the national median
per item · Knox deterministic extraction from Rosetta artifact #2527. canonical_hint=check_image; text_hash=20ae37ea2bb2611803f54a3c69ebca55fc1d6b360143ff4f0c072d54bb7492e2; excerpt="Check Copy $2.00 per check" · Source
Money Orders$5Within the typical range ($1.50–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #2527. canonical_hint=money_order; text_hash=20ae37ea2bb2611803f54a3c69ebca55fc1d6b360143ff4f0c072d54bb7492e2; excerpt="Money Orders $5.00 per Money Order" · Source
Stop Payment Order$35Above the typical range ($20–$30 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #2527. canonical_hint=stop_payment; text_hash=20ae37ea2bb2611803f54a3c69ebca55fc1d6b360143ff4f0c072d54bb7492e2; excerpt="Stop Payment Order $35.00 per order" · Source

Account ServicesVerified

Safe Deposit Box Payment Late Fee$10Below the typical range ($20–$92.36 nationally)
$30 below the national median
Knox deterministic extraction from Rosetta artifact #2527. canonical_hint=safe_deposit_box; text_hash=20ae37ea2bb2611803f54a3c69ebca55fc1d6b360143ff4f0c072d54bb7492e2; excerpt="Safe Deposit Box Payment Late Fee $10.00" · Source

Retirement & IRAVerified

IRA Plan Termination Fee$50Above the typical range ($25–$35 nationally)
$25 above the national median
Knox deterministic extraction from Rosetta artifact #2527. canonical_hint=ira_termination; text_hash=20ae37ea2bb2611803f54a3c69ebca55fc1d6b360143ff4f0c072d54bb7492e2; excerpt="IRA Plan Termination Fee $50.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Closure Fees Accounts closed within 90 days of opening	$15Within the typical range ($10–$25 nationally)	$7.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #2527. canonical_hint=early_closure; text_hash=20ae37ea2bb2611803f54a3c69ebca55fc1d6b360143ff4f0c072d54bb7492e2; excerpt="Closure Fees Accounts closed within 90 days of opening: $15.00"	Source
Paper Statement Fee	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #2527. canonical_hint=paper_statement; text_hash=20ae37ea2bb2611803f54a3c69ebca55fc1d6b360143ff4f0c072d54bb7492e2; excerpt="Paper Statement Fee $5.00 per statement"	Source
Overdraft & NSFVerified
Overdraft Fee	$32Above the typical range ($7.81–$30 nationally)	$9.50 above the national median	per item	Knox deterministic extraction from Rosetta artifact #2527. canonical_hint=overdraft; text_hash=20ae37ea2bb2611803f54a3c69ebca55fc1d6b360143ff4f0c072d54bb7492e2; excerpt="Overdraft Fee $32.00 per item"	Source
ATM & CardVerified
ATM Usage Fee \| Network ATM. For all other ATM’s, the fee is	$3Within the typical range ($1–$4.99 nationally)	$1 above the national median	—	Knox deterministic extraction from Rosetta artifact #2527. canonical_hint=atm_non_network; text_hash=20ae37ea2bb2611803f54a3c69ebca55fc1d6b360143ff4f0c072d54bb7492e2; excerpt="ATM Usage Fee \| Network ATM. For all other ATM’s, the fee is $3.00. This includes a"	Source
Wire TransfersVerified
Outgoing International	$45Within the typical range ($35–$50 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2527. canonical_hint=wire_intl_outgoing; text_hash=20ae37ea2bb2611803f54a3c69ebca55fc1d6b360143ff4f0c072d54bb7492e2; excerpt="Outgoing International: $45.00 plus international wire fee"	Source
Wire Transfers \| Outgoing Domestic - Not in Person
Check ServicesVerified
Check Copy	$2Below the typical range ($2.25–$5 nationally)	$1.50 below the national median	per item	Knox deterministic extraction from Rosetta artifact #2527. canonical_hint=check_image; text_hash=20ae37ea2bb2611803f54a3c69ebca55fc1d6b360143ff4f0c072d54bb7492e2; excerpt="Check Copy $2.00 per check"	Source
Money Orders	$5
Account ServicesVerified
Safe Deposit Box Payment Late Fee	$10Below the typical range ($20–$92.36 nationally)	$30 below the national median	—	Knox deterministic extraction from Rosetta artifact #2527. canonical_hint=safe_deposit_box; text_hash=20ae37ea2bb2611803f54a3c69ebca55fc1d6b360143ff4f0c072d54bb7492e2; excerpt="Safe Deposit Box Payment Late Fee $10.00"	Source
Retirement & IRAVerified
IRA Plan Termination Fee	$50Above the typical range ($25–$35 nationally)	$25 above the national median	—	Knox deterministic extraction from Rosetta artifact #2527. canonical_hint=ira_termination; text_hash=20ae37ea2bb2611803f54a3c69ebca55fc1d6b360143ff4f0c072d54bb7492e2; excerpt="IRA Plan Termination Fee $50.00"	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

$32

Overdraft fee: $32

42% above the national median overdraft fee

Total fees: 11 — leaner than most institutions

Verified fees

Under review

Assets

$1.1B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$1.1B

Total deposits

$937.1M

Service charge income

$191K

Fee income ratio

1.7%

Return on assets

1.05%

Branches

Service charge income by quarter

Q2 2026$191K

Q1 2026$179K

Q4 2025$184K

Q3 2025$184K

Financial profile · Pro

Performance from regulator filings

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