RIAD4508: Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts)
RIAD4508 is the call report code for interest on transaction accounts (now accounts, ats accounts, and telephone and preauthorized transfer accounts), reported on Schedule RI, Income Statement. For Q2 2026 (year to date), 4,297 banks reported it, totaling $55.31B; the median among the 4,088 with a nonzero amount was $181K. The largest value reported for Q2 2026 (year to date) was $8.19B, by Bank of America, N.A.
Definition
Includes interest expense on the three interest-bearing categories of transaction accounts (NOW accounts, ATS accounts, and telephone and preauthorized transfer accounts) reportable in 'Total Transaction Accounts.' Excludes all costs incurred by the bank in connection with demand deposits which are noninterest-bearing transaction accounts.
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RIAD4508 sits on the call report
| Code | RIAD4508 (prefix RIAD, item 4508) |
|---|---|
| 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 | 1987 |
Largest reported values, Q2 2026
| Bank | Headquarters | RIAD4508 |
|---|---|---|
| Bank of America, N.A. | Charlotte, NC | $8.19B |
| Citibank, N.A. | Sioux Falls, SD | $7.80B |
| Wells Fargo Bank, N.A. | Sioux Falls, SD | $5.54B |
| JPMorgan Chase Bank, N.A. | Columbus, OH | $5.28B |
| Goldman Sachs Bank USA | New York, NY | $3.54B |
| State Street Bank and Trust Company | Boston, MA | $2.09B |
| The Bank of New York Mellon | New York, NY | $1.78B |
| Morgan Stanley Bank, N.A. | Salt Lake City, UT | $1.52B |
| Truist Bank | Charlotte, NC | $1.37B |
| PNC Bank, N.A. | Wilmington, DE | $1.08B |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 4,297 | $55.31B |
| March 31, 2026 | 4,336 | $26.87B |
| December 31, 2025 | 4,394 | $109.67B |
| September 30, 2025 | 4,435 | $82.11B |
| June 30, 2025 | 4,477 | $53.86B |
| March 31, 2025 | 4,519 | $26.77B |
| December 31, 2024 | 4,543 | $119.07B |
| September 30, 2024 | 4,572 | $90.27B |
Related
All codes on Schedule RI · All call report schedules · Find the code for a loan type · What a call report is