6 banks and credit unions have branches in Los Banos. 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
Los Banos counts institutions with a branch here, wherever headquartered. California counts institutions headquartered in the state.
Los Banos
6 institutions with a branch here
$34.50
California
125 institutions headquartered in California
$25
U.S.
2,605 institutions in the index
$30
Chosen as the fee whose Los Banos median sits furthest from California's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Los Banos 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 $35.
Median published overdraft fee
Los Banos
6 institutions with a branch here
$34.50
California
125 institutions headquartered in California
$25
U.S.
2,605 institutions in the index
$30
Los Banos 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 · 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 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 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 San Rafael, CA · 1 branch here
Account not yet known
“Overdraft Fees | $35.00 per paid transaction”
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”
Largest banks by local bank deposits
Share of the $768 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 Los Banos. Population and income cover Merced County, the county with most of Los Banos'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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