123 banks and credit unions have branches in the San Francisco-Oakland-Fremont metro area. The Bank Fee Index holds published fees for 75 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from California
San Francisco-Oakland-Fremont metro counts institutions with a branch here, wherever headquartered. California counts institutions headquartered in the state.
San Francisco-Oakland-Fremont metro
42 institutions with a branch here
$5
California
135 institutions headquartered in California
$10
U.S.
2,744 institutions in the index
$10
Chosen as the fee whose San Francisco-Oakland-Fremont metro median sits furthest from California's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare San Francisco-Oakland-Fremont 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 $0 to $37.
Median published overdraft fee
San Francisco-Oakland-Fremont metro
52 institutions with a branch here
$25
California
125 institutions headquartered in California
$25
U.S.
2,605 institutions in the index
$30
San Francisco-Oakland-Fremont 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.
123 institutions, 52 with a published overdraft fee.
Bank · based in Columbus, OH · 131 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Sioux Falls, SD · 123 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 Charlotte, NC · 98 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Sioux Falls, SD · 63 branches here
Bank · based in Cincinnati, OH · 58 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 Chicago, IL · 50 branches here
Credit union, membership rules apply · based in Dublin, CA · 23 branches here
Account not yet known
“Debit Card Paid NSF Fee (opt-in required) | $14.00”
Bank · based in Walnut Creek, CA · 21 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”
Bank · based in Fremont, CA · 19 branches here
Bank · based in Pasadena, CA · 17 branches here
Account not yet known
“Overdraft Fee | $30.00”
Largest banks by local bank deposits
Share of the $513.2 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the San Francisco-Oakland-Fremont metro's counties
Deposits and branches cover the San Francisco-Oakland-Fremont 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
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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