15 banks and credit unions have branches in the Merced metro area. The Bank Fee Index holds published fees for 14 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from California
Merced metro counts institutions with a branch here, wherever headquartered. California counts institutions headquartered in the state.
Merced metro
9 institutions with a branch here
$12
California
119 institutions headquartered in California
$7
U.S.
1,902 institutions in the index
$7
Chosen as the fee whose Merced metro median sits furthest from California's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Merced 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 $5 to $36.
Median published overdraft fee
Merced metro
11 institutions with a branch here
$34
California
125 institutions headquartered in California
$25
U.S.
2,605 institutions in the index
$30
Merced 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.
15 institutions, 11 with a published overdraft fee.
Bank · based in San Rafael, CA · 7 branches here
Account not yet known
“Overdraft Fees | $35.00 per paid transaction”
Credit union, membership rules apply · based in Merced, CA · 6 branches here
Account not yet known
“cover overdraft checks, ACH items and ATM | $ 5.00 for each copy of a VISA charge slip”
Bank · based in Sioux Falls, SD · 3 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 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 Merced, CA · 3 branches here
Account not yet known
“NSF Overdraft (Opt-in Required) per presentment | $14”
Bank · based in Columbus, OH · 2 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Charlotte, NC · 2 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Lodi, CA · 2 branches here
Bank · based in Sioux Falls, SD · 2 branches here
Bank · based in Wilmington, DE · 2 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Largest banks by local bank deposits
Share of the $3.4 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Merced metro's counties
Deposits and branches cover the Merced 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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