8 banks and credit unions have branches in Arroyo Grande. The Bank Fee Index holds published fees for 7 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from California
Arroyo Grande counts institutions with a branch here, wherever headquartered. California counts institutions headquartered in the state.
Arroyo Grande
6 institutions with a branch here
$32.50
California
166 institutions headquartered in California
$22.50
U.S.
3,350 institutions in the index
$27.50
Chosen as the fee whose Arroyo Grande median sits furthest from California's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Arroyo Grande 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 $5 to $36.
Median published overdraft fee
Arroyo Grande
6 institutions with a branch here
$27
California
125 institutions headquartered in California
$25
U.S.
2,605 institutions in the index
$30
Arroyo Grande 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.
8 institutions, 6 with a published overdraft fee.
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 Roseburg, OR · 1 branch here
Bank · based in Walnut Creek, CA · 1 branch here
Account not yet known
“We will charge an Overdraft or Returned Item fee of $35 for any presented item greater than $10 that overdraws your account by more than $10 after posting all transactions at the e”
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”
Bank · based in Los Angeles, CA · 1 branch here
Account not yet known
“Overdraft Fee - Items Paid3 | Per transaction | $20.00”
Credit union, membership rules apply · based in Santa Maria, CA · 1 branch here
Credit union, membership rules apply · based in San Luis Obispo, CA · 1 branch here
Account not yet known
“Not eligible for Courtesy Pay | Items $5.00 $9.99, $5.00 per presentment”
Largest banks by local bank deposits
Share of the $1.3 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: San Luis Obispo County
Deposits and branches cover the City of Arroyo Grande. Population and income cover San Luis Obispo County, the county with most of Arroyo Grande'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 San Luis Obispo County.
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