8 banks and credit unions have branches in Atwater. The Bank Fee Index holds published fees for 8 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from California
Atwater counts institutions with a branch here, wherever headquartered. California counts institutions headquartered in the state.
Atwater
5 institutions with a branch here
$14
California
120 institutions headquartered in California
$7.23
U.S.
1,903 institutions in the index
$7
Chosen as the fee whose Atwater median sits furthest from California's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Atwater 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
Atwater
6 institutions with a branch here
$35
California
125 institutions headquartered in California
$25
U.S.
2,605 institutions in the index
$30
Atwater 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 Sioux Falls, SD · 1 branch here
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 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 San Rafael, CA · 1 branch here
Account not yet known
“Overdraft Fees | $35.00 per paid transaction”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Credit union, membership rules apply · based in Merced, CA · 1 branch here
Account not yet known
“cover overdraft checks, ACH items and ATM | $ 5.00 for each copy of a VISA charge slip”
Credit union, membership rules apply · based in Merced, CA · 1 branch here
Account not yet known
“NSF Overdraft (Opt-in Required) per presentment | $14”
Credit union, membership rules apply · based in Vacaville, CA · 1 branch here
Largest banks by local bank deposits
Share of the $381 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Merced County
Deposits and branches cover the City of Atwater. Population and income cover Merced County, the county with most of Atwater'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 Merced County.
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