Bank of America California, National Association

Headquarters: San Francisco, California
Charter: Bank
Assets: $14.8B
Fed district: San Francisco
Regulator: OCC
Holding company: Bank of America Corp.

Explore Hamilton View published fees

Compared with California

6 of 10

compared fees are above the median.

4 below, 0 about the same.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not reported
Peer median 2.9%
FDIC call report data · Jun 30, 2026
Fees above the California median
of 10 compared; 4 below, 0 about the same
See the fees
Fee schedule read Oct 8, 2026

How these figures are measured

Call-report figures are for Bank of America California, National Association at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCFD2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 96 banks with $10B to $50B in assets reporting a share above 0%, this one left out.	FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ)	Q2 2026 Quarter ended Jun 30, 2026	Not recorded
Fees above the California median	Published fees above the California median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Bank of America California, National Association's published fee schedule; Bank Fee Index medians	Current schedule	Oct 8, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Bank of America California, National Association (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

6 of 10 compared published fees sit above the California median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.

Fees against the market

Comparison with California medians for fees published by banks and credit unions.

Non-Network ATM
Compared at $3.75, the middle of its prices
Bank of America California, National Association: $2.50 to $5
Bank of America California, National Association: $2.50 to $5
California median: $2108 publishSan Francisco district median: $2196 publishU.S. median: $1.501,650 publish
Monthly Maintenance
Compared at $8, the middle of its prices
Bank of America California, National Association: $4.95 to $25
Bank of America California, National Association: $4.95 to $25
California median: $7119 publishSan Francisco district median: $7247 publishU.S. median: $71,902 publish
Overdraft (OD)
Bank of America California, National Association: $10
Bank of America California, National Association: $10
California median: $25123 publishSan Francisco district median: $25285 publishU.S. median: $302,601 publish

Published schedulesBanks and credit unionsRead Oct 8, 2026View sources

Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
California: Banks and credit unions headquartered in California that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income was $0 in Q2 2026.

Service-charge income, Q2 2026

$0Q3 2025

$0Q4 2025

$0Q1 2026

$0Q2 2026

Against the median (CA for fees)

Overdraft$10 / $25
Non‑network ATM$3.75* / $2
Monthly maintenance$8* / $7

Bank of America California, National AssociationMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Non-network ATM: Listed at $2.50 to $5; we compare the midpoint. Monthly maintenance: Listed at $4.95 to $25; we compare the midpoint.

Do waivers and balance requirements change what most customers actually pay?
Do business accounts and account analysis fees make up more of service charges than at peers?

See a free sample report

Among its peers

Bank of America California, National Association · $14.8B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.

Banks only
$12.2B to $17.4B in assets
Headquartered in 14 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Bank of America California, National Association(this institution)	San Francisco, CA	$14.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
BancFirst	Oklahoma City, OK	$12.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Banner Bank	Walla Walla, WA	$16.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bell Bank	Fargo, ND	$15.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Columbia Bank	Fair Lawn, NJ	$12.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Bank, National Association	Canton, NY	$17.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
ConnectOne Bank	Englewood Cliffs, NJ	$14.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Dime Community Bank	Hauppauge, NY	$15B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Dollar Bank, Federal Savings Bank	Pittsburgh, PA	$12.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Enterprise Bank & Trust	Clayton, MO	$17.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Bank	Southern Pines, NC	$13B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Commonwealth Bank	Indiana, PA	$12.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Financial Bank	Abilene, TX	$15.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First United Bank and Trust Company	Durant, OK	$16.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
FirstBank	Nashville, TN	$16.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Israel Discount Bank of New York	New York, NY	$14.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Live Oak Banking Company	Wilmington, NC	$16B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
NBH Bank	Greenwood Village, CO	$12.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
NBT Bank, National Association	Norwich, NY	$16.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Overdraft not published
Nicolet National Bank	Green Bay, WI	$15.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northwest Bank	Warren, PA	$17.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
PlainsCapital Bank	University Park, TX	$12.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Popular Bank	New York, NY	$15B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Stifel Bank	Saint Louis, MO	$14.6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Park National Bank	Newark, OH	$12.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Toyota Financial Savings Bank	Henderson, NV	$16.8B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is broadly aligned with similar-sized banks: within 1% of their median.

Compared at $8, the middle of its three prices, against a peer median of $8 among 14 publishing peers.

Its three checking prices are $4.95, $8 and $25.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Bank of America Californi…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Bank of America California, National Association (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $0
vs prior quarter: $0; from Q1 2026
vs a year earlier: $0; from Q2 2025
vs start of range: $0; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Bank of America California, National Association (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change
Q2 2026	$0	$0
Q1 2026	$0	$0
Q4 2025	$0	$0
Q3 2025	$0	$0
Q2 2025	$0	$0
Q1 2025	$0	$0
Q4 2024	$0	$0
Q3 2024	$0	$0

Service-charge share against its size cohort

Financial cohort: 111 banks with $10B to $50B in assets filing for Q2 2026; 96 reported a share above 0% and are counted, Bank of America California, National Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

Bank of America California, National Association: Not reported
Percentile: Not reported
25th percentile: 1.7%
Median: 2.9%
75th percentile: 4.0%

Median 2.9%Middle half 1.7% to 4.0%Peers at each share1 above 10%, counted in the last bar

Find a peer (96)

The 15 closest to Bank of America California, National Association by share.

Details

Source: FDIC BankFind Suite (call report data)
Entity: Each bank, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026)
Measure: Service charges on deposit accounts divided by revenue (net interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: ISERCHGQ / (NIMQ + NONIIQ)

Published fee schedule

Amounts from Bank of America California, National Association’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Monthly maintenance fee$8
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Monthly maintenance fee for Advantage Relationship Banking account$25
Above the U.S. middle 50% ($5 to $10 nationally)
per month
Monthly maintenance fee for Advantage SafeBalance Banking for Family Banking account$4.95
Below the U.S. middle 50% ($5 to $10 nationally)
per month

Overdraft & NSF

Overdraft Item Fee$10
Below the U.S. middle 50% ($25 to $33 nationally)
per item

ATM & Card

Non-Bank of America ATM Fee$2.50
Above the U.S. middle 50% ($1 to $2 nationally)
per item
Non-Bank of America ATM Fee$5
Above the U.S. middle 50% ($1 to $2 nationally)
per item
Rush Replacement ATM or Debit$15
Below the U.S. middle 50% ($30 to $50 nationally)
per item
Foreign currency (audience not stated, treated as personal)3%of the transaction

Fee	Amount	Basis	Note
Account Maintenance
Monthly maintenance fee	$8Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Monthly maintenance fee for Advantage Relationship Banking account	$25Above the U.S. middle 50% ($5 to $10 nationally)	per month	None
Monthly maintenance fee for Advantage SafeBalance Banking for Family Banking account	$4.95Below the U.S. middle 50% ($5 to $10 nationally)	per month	None
Overdraft & NSF
Overdraft Item Fee	$10Below the U.S. middle 50% ($25 to $33 nationally)	per item	None
ATM & Card
Non-Bank of America ATM Fee	$2.50Above the U.S. middle 50% ($1 to $2 nationally)	per item	None
Non-Bank of America ATM Fee	$5Above the U.S. middle 50% ($1 to $2 nationally)	per item	None
Rush Replacement ATM or Debit	$15Below the U.S. middle 50% ($30 to $50 nationally)	per item	None
Foreign currency (audience not stated, treated as personal)	3%of the transaction	Not stated	None
Wire Transfers
Domestic outgoing wire	$30Above the U.S. middle 50% ($20 to $25 nationally)	Not stated	None
Check Services
Stop Payment Fee	$30Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
Applies to checks drawn on	$8Inside the U.S. middle 50% ($5 to $10 nationally)	per item	None
Check Image	No chargeBelow the U.S. middle 50% ($2 to $5 nationally)	Not stated	None
Retirement & IRA
IRA Direct Custodian Transfer	$50Above the U.S. middle 50% ($25 to $35 nationally)	per item	None
Other Fees
Statement Copy	No chargeBelow the U.S. middle 50% ($2 to $5 nationally)	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Showing 5 of 14 fees.

Correct a fee source

Oct 8, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Bank of America California, National Association operates, and what regulators and customers have on file.

Branch footprint

1 offices in 1 state, $12.3B in branch deposits (June 2026)

Each dot is one office.

This bankOther banks and credit unions

Largest markets by deposits

$12.3B

San Francisco-Oakland-Fremont, CA

2.4% of bank deposits, #5 of 69, down 1.7 points over five years.

Largest competitors here	Deposit share
Bank of America, National Association	48.7%
Wells Fargo Bank, National Association	17.7%
JPMorgan Chase Bank, National Association	10.9%
Citibank, National Association	3.2%
BMO Bank National Association	2%

Fees in San Francisco →

Branch count by year

Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.

Market position

In San Francisco-Oakland-Fremont, CA, Bank of America California, National Association holds 2.4% of bank deposits, #5 of 69, with 1 office.

Compare fees with the 73 San Francisco-Oakland-Fremont, CA banks and credit unions in its home-metro peer set →

Offices in the metro

900 offices of 82 institutions shown.

Bank of America California, National AssociationOther banksCredit unions

Showing 900 of 965 offices: the largest institutions' offices, with banks and credit unions in proportion.

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: San Francisco-Oakland-Fremont, CA metro (FDIC metro code 41860), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 17 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Bank of America, National Association48.7%
2Wells Fargo Bank, National Association17.7%
3JPMorgan Chase Bank, National Association10.9%
4Citibank, National Association3.2%
5Bank of America California, National Association2.4%
6BMO Bank National Association2.0%
7U.S. Bank National Association1.8%
8Citizens Bank, National Association1.6%

8 of 69 institutions shown. $513.2B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: San Francisco-Oakland-Fremont, CA metro (FDIC metro code 41860)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 2.4% share, 1 office, #5 of 69

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: San Francisco-Oakland-Fremont, CA metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

172 offices of 54 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Enforcement actions

6 past actions

Past (latest 5 of 6)

Cease and Desist OrderMay 20, 2015
Federal Reserve, against the holding company, BANK OF AMERICA CORPORATION. Ended November 22, 2019 · Order
Civil Money Penalty, $205,000,000May 20, 2015
Federal Reserve, against the holding company, BANK OF AMERICA CORPORATION · Order
Amendment to 4/13/2011 Order to Cease and DesistFebruary 28, 2013
Federal Reserve, against the holding company, BANK OF AMERICA CORPORATION. Ended January 12, 2018 · Order
Civil Money Penalty, $175,500,000February 9, 2012
Federal Reserve, against the holding company, Bank of America Corporation · Order
Cease and Desist OrderApril 13, 2011
Federal Reserve, against the holding company, Bank of America Corporation. Ended January 12, 2018 · Order

Source: public enforcement action lists from the OCC and Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

Bank of America California, National Association

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Monthly maintenance is broadly aligned with similar-sized banks: within 1% of their median.

Financial performance

Service-charge share against its size cohort

Published fee schedule

Branches and public record

Market position

Get an email when a fee at Bank of America California, National Association changes in our data

Bank of America California, National Association

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Monthly maintenance is broadly aligned with similar-sized banks: within 1% of their median.

Financial performance

Service-charge share against its size cohort

Published fee schedule

Branches and public record

Market position

Get an email when a fee at Bank of America California, National Association changes in our data