64 banks and credit unions have branches in the San Jose-Sunnyvale-Santa Clara metro area. The Bank Fee Index holds published fees for 39 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from California
San Jose-Sunnyvale-Santa Clara metro counts institutions with a branch here, wherever headquartered. California counts institutions headquartered in the state.
San Jose-Sunnyvale-Santa Clara metro
15 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 Jose-Sunnyvale-Santa Clara metro median sits furthest from California's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare San Jose-Sunnyvale-Santa Clara 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 $10 to $37.
Median published overdraft fee
San Jose-Sunnyvale-Santa Clara metro
26 institutions with a branch here
$29.50
California
125 institutions headquartered in California
$25
U.S.
2,605 institutions in the index
$30
San Jose-Sunnyvale-Santa Clara 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.
64 institutions, 26 with a published overdraft fee.
Bank · based in Columbus, OH · 50 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Sioux Falls, SD · 47 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 · 44 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Cincinnati, OH · 29 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 · 23 branches here
Bank · based in Sioux Falls, SD · 22 branches here
Bank · based in Cincinnati, OH · 12 branches here
Account not yet known
“If Overdraft Coverage is used, the per item fee for each overdraft is $37 per item.”
Credit union, membership rules apply · based in San Jose, CA · 11 branches here
Credit union, membership rules apply · based in San Jose, CA · 7 branches here
Account not yet known
“Courtesy Pay (Overdraft) Fee for Paid NSF, ACH, Check, or EFT Item | $24.00 per presentment (4)(5)”
Credit union, membership rules apply · based in Sunnyvale, CA · 7 branches here
Largest banks by local bank deposits
Share of the $175.3 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the San Jose-Sunnyvale-Santa Clara metro's counties
Deposits and branches cover the San Jose-Sunnyvale-Santa Clara 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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