14 banks and credit unions have branches in Merced. The Bank Fee Index holds published fees for 13 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from California
Merced counts institutions with a branch here, wherever headquartered. California counts institutions headquartered in the state.
Merced
8 institutions with a branch here
$13
California
119 institutions headquartered in California
$7
U.S.
1,901 institutions in the index
$7
Chosen as the fee whose Merced median sits furthest from California's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Merced 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
10 institutions with a branch here
$29.50
California
124 institutions headquartered in California
$25
U.S.
2,603 institutions in the index
$30
Merced 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.
14 institutions, 10 with a published overdraft fee.
Credit union, membership rules apply · based in Merced, CA · 4 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 San Rafael, CA · 2 branches here
Account not yet known
“Overdraft Fees | $35.00 per paid transaction”
Credit union, membership rules apply · based in Merced, CA · 2 branches here
Account not yet known
“NSF Overdraft (Opt-in Required) per presentment | $14”
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 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 Lodi, CA · 1 branch here
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 Fresno, CA · 1 branch here
Account not yet known
“NSF (Overdraft Fee): $25.00”
Largest banks by local bank deposits
Share of the $1.7 billion 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 Merced. Population and income cover Merced County, the county with most of Merced'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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