6 banks and credit unions have branches in Lake Elsinore. 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
Lake Elsinore counts institutions with a branch here, wherever headquartered. California counts institutions headquartered in the state.
Lake Elsinore
5 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 Lake Elsinore median sits furthest from California's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Lake Elsinore 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
Lake Elsinore
6 institutions with a branch here
$28
California
125 institutions headquartered in California
$25
U.S.
2,605 institutions in the index
$30
Lake Elsinore 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.
6 institutions, 6 with a published overdraft fee.
Bank · based in Columbus, OH · 2 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
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”
Bank · based in Charlotte, NC · 2 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Cincinnati, OH · 2 branches 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 Vienna, VA · 1 branch here
Account not yet known
“†Standard Practices and Fees: We will charge a fee of $20 each time we pay an overdraft”
Credit union, membership rules apply · based in Santa Ana, CA · 1 branch here
Account not yet known
• Standard Overdraft — any payment instrument or payment method, including check, ACH, debit card transactions or other electronic transaction presented against a non-sufficient funds (NSF) available balance and paid* ... $22 *No more than three NSF or Overdraft fees are charged per share, per day.
“• Standard Overdraft — any payment instrument or payment method, including check, ACH, debit card transactions or other electronic transaction presented against a non-sufficient funds (NSF) available balance and paid* … $22”
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: Riverside County
Deposits and branches cover the City of Lake Elsinore. Population and income cover Riverside County, the county with most of Lake Elsinore'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 Riverside County.
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