10 banks and credit unions have branches in Placerville. The Bank Fee Index holds published fees for 9 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from California
Placerville counts institutions with a branch here, wherever headquartered. California counts institutions headquartered in the state.
Placerville
7 institutions with a branch here
$30
California
166 institutions headquartered in California
$22.50
U.S.
3,350 institutions in the index
$27.50
Chosen as the fee whose Placerville median sits furthest from California's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Placerville 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
Placerville
7 institutions with a branch here
$30
California
125 institutions headquartered in California
$25
U.S.
2,605 institutions in the index
$30
Placerville 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.
10 institutions, 7 with a published overdraft fee.
Bank · based in Placerville, CA · 3 branches here
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 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 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”
Bank · based in Roseburg, OR · 1 branch here
Bank · based in Sacramento, CA · 1 branch here
Account not yet known
If RCB pays an item when your account does not have enough money in your Available Balance1 to cover a transaction
“If RCB pays an item when your account does not have enough money in your Available Balance1 to cover a transaction. (Fee shown as Overdraft Fee) / $30”
Credit union, membership rules apply · based in Santa Ana, CA · 1 branch here
Account not yet known
• Standard Overdraft — any payment instrument or payment method, including check, ACH, debit card transactions or other electronic transaction presented against a non-sufficient funds (NSF) available balance and paid* ... $22 *No more than three NSF or Overdraft fees are charged per share, per day.
“• Standard Overdraft — any payment instrument or payment method, including check, ACH, debit card transactions or other electronic transaction presented against a non-sufficient funds (NSF) available balance and paid* … $22”
Credit union, membership rules apply · based in Yuba City, CA · 1 branch here
Credit union, membership rules apply · based in Sacramento, CA · 1 branch here
Account not yet known
“Courtesy Pay Fee … $14.00 per item”
Largest banks by local bank deposits
Share of the $1.1 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: El Dorado County
Deposits and branches cover the City of Placerville. Population and income cover El Dorado County, the county with most of Placerville'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 El Dorado County.
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