8 banks and credit unions have branches in Lake Forest. 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
Lake Forest counts institutions with a branch here, wherever headquartered. California counts institutions headquartered in the state.
Lake Forest
5 institutions with a branch here
$35
California
125 institutions headquartered in California
$25
U.S.
2,605 institutions in the index
$30
Chosen as the fee whose Lake Forest median sits furthest from California's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Lake Forest 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 $37.
Median published overdraft fee
Lake Forest
5 institutions with a branch here
$35
California
125 institutions headquartered in California
$25
U.S.
2,605 institutions in the index
$30
Lake Forest 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, 5 with a published overdraft fee.
Bank · based in Cincinnati, OH · 3 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”
Bank · based in Charlotte, NC · 2 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
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 Sioux Falls, SD · 1 branch here
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
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.”
Credit union, membership rules apply · based in Lake Forest, CA · 1 branch here
Credit union, membership rules apply · based in Santa Ana, CA · 1 branch here
Largest banks by local bank deposits
Share of the $1.9 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Orange County
Deposits and branches cover the City of Lake Forest. Population and income cover Orange County, the county with most of Lake Forest'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 Orange County.
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