7 banks and credit unions have branches in Espanola. 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 New Mexico
Espanola counts institutions with a branch here, wherever headquartered. New Mexico counts institutions headquartered in the state.
Espanola
7 institutions with a branch here
$7
New Mexico
21 institutions headquartered in New Mexico
$5.95
U.S.
1,904 institutions in the index
$6.99
Chosen as the fee whose Espanola median sits furthest from New Mexico's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Espanola with New Mexico 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 $25 to $36.
Median published overdraft fee
Espanola
5 institutions with a branch here
$35
New Mexico
20 institutions headquartered in New Mexico
$30
U.S.
2,605 institutions in the index
$30
Espanola covers every institution with a branch here, wherever it is headquartered. New Mexico covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
7 institutions, 5 with a published overdraft fee.
Credit union, membership rules apply · based in Los Alamos, NM · 2 branches here
Account not yet known
“may overdraft an account and result in multiple fees. $25.00”
Bank · based in Santa Fe, NM · 1 branch here
Bank · based in Sioux Falls, SD · 1 branch 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 Kansas City, MO · 1 branch here
Account not yet known
“Overdraft Charge 5 | $36.00 per item”
Bank · based in Seattle, WA · 1 branch here
Account not yet known
“Insufficient Funds Charge (Paid) | $30 Per Presentment§”
Credit union, membership rules apply · based in Santa Fe, NM · 1 branch here
Credit union, membership rules apply · based in Los Alamos, NM · 1 branch here
Account not yet known
“Overdraft Fee7,8 | $35.00 per presentment”
Largest banks by local bank deposits
Share of the $517 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Rio Arriba County
Deposits and branches cover the City of Espanola. Population and income cover Rio Arriba County, the county with most of Espanola'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 Rio Arriba County.
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