RIAD4080: Service Charges on Deposit Accounts in Domestic Offices
RIAD4080 is the call report code for service charges on deposit accounts in domestic offices, reported on Schedule RI, Income Statement. For Q2 2026 (year to date), 4,297 banks reported it, totaling $18.37B; the median among the 4,128 with a nonzero amount was $167K. The largest value reported for Q2 2026 (year to date) was $3.40B, by JPMorgan Chase Bank, N.A.
Definition
Includes amounts charged depositors: (1) for the maintenance of their deposit accounts with the bank, so-called 'maintenance charges', (2) for their failure to maintain specified minimum deposit balances, (3) based on the number of checks drawn on and deposits made in their deposit accounts, (4) for checks drawn on so-called 'no minimum balance' deposit accounts, (5) for withdrawals from nontransaction deposit accounts, (6) for the closing of savings accounts before a specified minimum period of time has elapsed, (7) for accounts which have remained in active for extended periods of time or which have become dormant, (8) for deposits to or withdrawals from deposit accounts through the use of automated teller machines or remote service units, (9) for the processing of checks drawn against insufficient funds, so-called 'NSF check charges,' that the bank assesses regardless of whether it decides to pay, return, or hold the check. Excludes subsequent charges levied against overdrawn accounts based on the length of time the account has been overdrawn, the magnitude of the overdrawn balance, or which are otherwise equivalent to interest, (10) for issuing stop payment orders, (11) for certifying checks, and (12) for the accumulation or disbursement of funds deposited to Individual Retirement Accounts (IRAs) or KEOGH plan accounts when not handled by the bank's trust department. Reported are such commissions and fees received for accounts handled by the bank's trust department in 'Income from Fiduciary Activities (4070)'. Excludes penalties paid by depositors for the early withdrawal of time deposits (reported in 'All Other Noninterest Income (5408)', or deduct from the interest expense of the related category of time deposits, as appropriate). Domestic offices includes all offices of the bank located in the United States and the District of Columbia and domestic subsidiaries domiciled within the United States, District of Columbia, or territories and possessions of the United States.
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RIAD4080 sits on the call report
| Code | RIAD4080 (prefix RIAD, item 4080) |
|---|---|
| Prefix RIAD | Income statement items (Schedule RI and its supporting schedules). |
| Schedule | RI, Income Statement |
| Reported on | FFIEC 031, FFIEC 041, FFIEC 051 |
| Value | Dollar amount, reported in thousands, year to date |
| In the MDRM since | 1969 |
Largest reported values, Q2 2026
| Bank | Headquarters | RIAD4080 |
|---|---|---|
| JPMorgan Chase Bank, N.A. | Columbus, OH | $3.40B |
| Wells Fargo Bank, N.A. | Sioux Falls, SD | $2.45B |
| Bank of America, N.A. | Charlotte, NC | $2.07B |
| PNC Bank, N.A. | Wilmington, DE | $988.9M |
| Citibank, N.A. | Sioux Falls, SD | $671.0M |
| U.S. Bank N.A. | Cincinnati, OH | $621.3M |
| TD Bank, N.A. | Wilmington, DE | $484.2M |
| Truist Bank | Charlotte, NC | $484.0M |
| Fifth Third Bank, N.A. | Cincinnati, OH | $419.0M |
| The Bank of New York Mellon | New York, NY | $377.0M |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 4,297 | $18.37B |
| March 31, 2026 | 4,336 | $9.05B |
| December 31, 2025 | 4,394 | $34.99B |
| September 30, 2025 | 4,435 | $26.05B |
| June 30, 2025 | 4,477 | $17.10B |
| March 31, 2025 | 4,519 | $8.46B |
| December 31, 2024 | 4,543 | $32.14B |
| September 30, 2024 | 4,572 | $23.79B |
Related
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