8 banks and credit unions have branches in Union City. The Bank Fee Index holds published fees for 7 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from California
Union City counts institutions with a branch here, wherever headquartered. California counts institutions headquartered in the state.
Union City
7 institutions with a branch here
$15
California
120 institutions headquartered in California
$7.23
U.S.
1,903 institutions in the index
$7
Chosen as the fee whose Union City median sits furthest from California's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Union City with California and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Four published overdraft fees: $10–$36.
Medians for reference: California $25 · U.S. $30
Local median not shown; five institutions required.
8 institutions, 4 with a published overdraft fee.
Bank · based in Charlotte, NC · 2 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
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 · 2 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Sioux Falls, SD · 1 branch here
Bank · based in Fremont, CA · 1 branch here
Bank · based in Los Angeles, CA · 1 branch here
Bank · based in Chicago, IL · 1 branch here
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”
Largest banks by local bank deposits
Share of the $3.4 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Alameda County
Deposits and branches cover the City of Union City. Population and income cover Alameda County, the county with most of Union City'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 Alameda County.
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