Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, $300M to $1B

BAC Community Bank

Stockton, CaliforniaBankSan Francisco Fed districtFees collected Apr 3, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Inactive Account Fee$2Below the typical range ($5–$10 nationally)

Overdraft & NSFVerified

■ Overdraft Fee$33Above the typical range ($25–$32 nationally)
$3 above the national median
per item · Source
■ Returned Item Fee$33Above the typical range ($25–$31.50 nationally)
$3 above the national median
per item · Source

ATM & CardVerified

Replacement Card$5Within the typical range ($5–$10 nationally)
$5 below the national median
Source

Wire TransfersVerified

Wire, Outgoing-Domestic$30Above the typical range ($20–$25 nationally)
$5 above the national median
Source

Check ServicesVerified

Cashier’s Check$9Above the typical range ($3–$5.50 nationally)
$4 above the national median
Source
Check Cashing, Non-Customer$5Within the typical range ($5–$10 nationally)
At the national median
Source
Check Copy – Archived Paid Check (front and back)$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source
Online Bill Pay Stop Payment$33Above the typical range ($20–$30 nationally)
$7 above the national median
Source
Zelle® Stop Payment$15Below the typical range ($20–$30 nationally)
$11 below the national median
Source

Digital & ElectronicVerified

Online Bill Pay$33Above the typical range ($0–$10.20 nationally)
$28.05 above the national median
Source
Online Bill Pay Rush Payment$14.95Above the typical range ($0–$10.20 nationally)
$10 above the national median
per item · if available for specified payee · Source
Online Bill Pay Rush Payment, if available for specified payee$14.95Above the typical range ($0–$10.20 nationally)
$10 above the national median
Source
Online Bill Pay Same Day Check, if available for specified payee$9.95Within the typical range ($0–$10.20 nationally)
$5 above the national median
Source

Account ServicesVerified

Legal Process Fee$125Within the typical range ($46.25–$150 nationally)
$25 above the national median
Source
Notary$15Above the typical range ($0–$5 nationally)
$12.50 above the national median
Source

Lending FeesVerified

Late Fee, after 30 days delinquent$10Below the typical range ($12.75–$25 nationally)
$11 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Inactive Account Fee	$2Below the typical range ($5–$10 nationally)	$3 below the national median	per month	—	Source
Overdraft & NSFVerified
■ Overdraft Fee	$33Above the typical range ($25–$32 nationally)	$3 above the national median	per item	—	Source
■ Returned Item Fee	$33
ATM & CardVerified
Replacement Card	$5Within the typical range ($5–$10 nationally)	$5 below the national median	—	—	Source
Wire TransfersVerified
Wire, Outgoing-Domestic	$30Above the typical range ($20–$25 nationally)	$5 above the national median	—	—	Source
Check ServicesVerified
Cashier’s Check	$9Above the typical range ($3–$5.50 nationally)	$4 above the national median	—	—	Source
Check Cashing, Non-Customer	$5
Digital & ElectronicVerified
Online Bill Pay	$33Above the typical range ($0–$10.20 nationally)	$28.05 above the national median	—	—	Source
Online Bill Pay Rush Payment	$14.95
Account ServicesVerified
Legal Process Fee	$125Within the typical range ($46.25–$150 nationally)	$25 above the national median	—	—	Source
Notary	$15
Lending FeesVerified
Late Fee, after 30 days delinquent	$10Below the typical range ($12.75–$25 nationally)	$11 below the national median	—	—	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$33

Overdraft fee: $33

10% above the national median overdraft fee

Total fees: 17 — leaner than most institutions

Headline fees published

6 of 15

Published fees

Under review

Assets

$761.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$761.9M

Total deposits

$673.0M

Service charge income

$356K

Fee income ratio

4.9%

Return on assets

0.85%

Branches

Service charge income by quarter

Q2 2026$356K

Q1 2026$349K

Q4 2025$340K

Q3 2025$346K

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 61 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 37,892 published fee entries from 2,651 institutions

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