61 banks and credit unions have branches in San Francisco. The Bank Fee Index holds published fees for 36 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from California
San Francisco counts institutions with a branch here, wherever headquartered. California counts institutions headquartered in the state.
San Francisco
15 institutions with a branch here
$5
California
135 institutions headquartered in California
$10
U.S.
2,746 institutions in the index
$10
Chosen as the fee whose San Francisco median sits furthest from California's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare San Francisco 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 Francisco
27 institutions with a branch here
$30
California
123 institutions headquartered in California
$25
U.S.
2,601 institutions in the index
$30
San Francisco 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.
61 institutions, 27 with a published overdraft fee.
Bank · based in Columbus, OH · 32 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Sioux Falls, SD · 29 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 · 27 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Sioux Falls, SD · 19 branches here
Bank · based in Cincinnati, OH · 10 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 Pasadena, CA · 9 branches here
Account not yet known
“Overdraft Fee | $30.00”
Bank · based in Chicago, IL · 9 branches here
Bank · based in Jacksonville, FL · 9 branches here
Credit union, membership rules apply · based in San Francisco, CA · 6 branches here
Account not yet known
“Paid NSF Item (Courtesy Pay) | $30*”
Bank · based in Salt Lake City, UT · 3 branches here
Account not yet known
“Overdraft Fee - Paid Items | $29.00”
Largest banks by local bank deposits
Share of the $338.3 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: San Francisco County
Deposits and branches cover the City of San Francisco. Population and income cover San Francisco County, the county with most of San Francisco'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 San Francisco County.
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