9 banks and credit unions have branches in the El Centro metro area. 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
El Centro metro counts institutions with a branch here, wherever headquartered. California counts institutions headquartered in the state.
El Centro metro
7 institutions with a branch here
$30
California
166 institutions headquartered in California
$22.50
U.S.
3,350 institutions in the index
$27.50
Chosen as the fee whose El Centro metro median sits furthest from California's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare El Centro metro 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 $36.
Median published overdraft fee
El Centro metro
8 institutions with a branch here
$32
California
125 institutions headquartered in California
$25
U.S.
2,605 institutions in the index
$30
El Centro metro 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.
9 institutions, 8 with a published overdraft fee.
Credit union, membership rules apply · based in El Centro, CA · 4 branches here
Account not yet known
“Courtesy Pay Fee (Per item paid) $30.00”
Bank · based in Walnut Creek, CA · 3 branches 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”
Credit union, membership rules apply · based in El Centro, CA · 3 branches here
Account not yet known
“Lower Overdraft Fee ($14 fee per transaction)”
Bank · based in Sioux Falls, SD · 2 branches 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”
Credit union, membership rules apply · based in Oceanside, CA · 2 branches here
Account not yet known
“Overdraft Courtesy Pay | Not Applicable | $14.00”
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 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 Dallas, TX · 1 branch here
Largest banks by local bank deposits
Share of the $2.3 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the El Centro metro's counties
Deposits and branches cover the El Centro metro. Population and income cover the metro's counties. 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 the metro's counties.
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