18 banks and credit unions have branches in Napa. 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
Napa counts institutions with a branch here, wherever headquartered. California counts institutions headquartered in the state.
Napa
7 institutions with a branch here
$10
California
148 institutions headquartered in California
$21.50
U.S.
2,857 institutions in the index
$30
Chosen as the fee whose Napa median sits furthest from California's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Napa 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
Napa
10 institutions with a branch here
$29.50
California
125 institutions headquartered in California
$25
U.S.
2,605 institutions in the index
$30
Napa 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.
18 institutions, 10 with a published overdraft fee.
Credit union, membership rules apply · based in Santa Rosa, CA · 3 branches here
Account not yet known
“Overdraft Pay Advantage $14.00 per presentment”
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 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 Novato, CA · 2 branches here
Bank · based in Roseburg, OR · 2 branches here
Bank · based in Chicago, IL · 2 branches here
Bank · based in San Rafael, CA · 2 branches here
Account not yet known
“Overdraft Fees | $35.00 per paid transaction”
Bank · based in Santa Rosa, CA · 1 branch here
Bank · based in Cincinnati, OH · 1 branch 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”
Largest banks by local bank deposits
Share of the $3.6 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Napa County
Deposits and branches cover the City of Napa. Population and income cover Napa County, the county with most of Napa'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 Napa County.
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