7 banks and credit unions have branches in Aptos. The Bank Fee Index holds published fees for 6 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from California
Aptos counts institutions with a branch here, wherever headquartered. California counts institutions headquartered in the state.
Aptos
6 institutions with a branch here
$35.50
California
125 institutions headquartered in California
$25
U.S.
2,605 institutions in the index
$30
Chosen as the fee whose Aptos median sits furthest from California's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Aptos with California and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Published amounts here run from $10 to $50.
Median published overdraft fee
Aptos
6 institutions with a branch here
$35.50
California
125 institutions headquartered in California
$25
U.S.
2,605 institutions in the index
$30
Aptos covers every institution with a branch here, wherever it is headquartered. California covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
7 institutions, 6 with a published overdraft fee.
Bank · based in Sioux Falls, SD · 1 branch here
Account not yet known
“Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we char”
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Santa Cruz, CA · 1 branch here
Bank · based in Cincinnati, OH · 1 branch here
Account not yet known
“If Overdraft Coverage is used, the per item fee for each overdraft is $37 per item.”
Bank · based in Cincinnati, OH · 1 branch here
Account not yet known
“• U.S. Bank will charge an Overdraft Paid Fee of $36.00 for each overdraft item we pay on your behalf. Whether we”
Credit union, membership rules apply · based in Capitola, CA · 1 branch here
Account not yet known
“case of an overdraft, in even increments of $50.00, and will be”
Largest banks by local bank deposits
Share of the $1.1 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Santa Cruz County
Deposits and branches cover the City of Aptos. Population and income cover Santa Cruz County, the county with most of Aptos's bank branches, not the city alone. This is background. None of it sets or explains a fee.
Bank deposits
Change at branches here, 2021 to 2026
Bank branches
Change in branch count, 2016 to 2026
Population
Change between the 2022 and 2024 Census estimates
Median household income
Census estimate, 2024
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for Santa Cruz County.
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