59 banks and credit unions have branches in the Sacramento-Roseville-Folsom metro area. The Bank Fee Index holds published fees for 45 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from California
Sacramento-Roseville-Folsom metro counts institutions with a branch here, wherever headquartered. California counts institutions headquartered in the state.
Sacramento-Roseville-Folsom metro
23 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 Sacramento-Roseville-Folsom metro median sits furthest from California's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Sacramento-Roseville-Folsom 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 $0 to $36.
Median published overdraft fee
Sacramento-Roseville-Folsom metro
32 institutions with a branch here
$28.50
California
124 institutions headquartered in California
$25
U.S.
2,605 institutions in the index
$30
Sacramento-Roseville-Folsom 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.
59 institutions, 32 with a published overdraft fee.
Bank · based in Sioux Falls, SD · 53 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 · 40 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Charlotte, NC · 39 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Cincinnati, OH · 32 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 Sacramento, CA · 32 branches here
Account not yet known
“Courtesy Pay Fee … $14.00 per item”
Bank · based in Placerville, CA · 19 branches here
Credit union, membership rules apply · based in Folsom, CA · 19 branches here
Bank · based in Chicago, IL · 15 branches here
Bank · based in Roseburg, OR · 12 branches here
Credit union, membership rules apply · based in Santa Ana, CA · 11 branches 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”
Largest banks by local bank deposits
Share of the $96.6 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Sacramento-Roseville-Folsom metro's counties
Deposits and branches cover the Sacramento-Roseville-Folsom 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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