20 banks and credit unions have branches in Stockton. The Bank Fee Index holds published fees for 15 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from California
Stockton counts institutions with a branch here, wherever headquartered. California counts institutions headquartered in the state.
Stockton
6 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 Stockton median sits furthest from California's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Stockton 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
Stockton
13 institutions with a branch here
$29
California
124 institutions headquartered in California
$25
U.S.
2,603 institutions in the index
$30
Stockton 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.
20 institutions, 13 with a published overdraft fee.
Bank · based in Sioux Falls, SD · 5 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 Chicago, IL · 5 branches here
Bank · based in Charlotte, NC · 4 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Stockton, CA · 3 branches here
Bank · based in Columbus, OH · 3 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Wilmington, DE · 3 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Cincinnati, OH · 3 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”
Credit union, membership rules apply · based in Bakersfield, CA · 3 branches here
Bank · based in Lodi, CA · 2 branches here
Bank · based in Stockton, CA · 2 branches here
Account not yet known
“■ Overdraft Fee … $33/”
Largest banks by local bank deposits
Share of the $6.6 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: San Joaquin County
Deposits and branches cover the City of Stockton. Population and income cover San Joaquin County, the county with most of Stockton'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 Joaquin County.
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