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, $1B to $10B

Westamerica Bank

San Rafael, CaliforniaBankSan Francisco Fed districtFees collected Oct 6, 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

Service Charge$4Within the typical range ($3–$10 nationally)

Overdraft & NSFVerified

Insufficient Funds Fees$35Above the typical range ($25–$31.50 nationally)
$5 above the national median
Source
Overdraft Fees$35Above the typical range ($25–$32 nationally)
$5 above the national median
Source

Wire TransfersVerified

Incoming Wire Transfers$15Within the typical range ($5–$15 nationally)
$5 above the national median
Source
Outgoing Wire Transfers: Domestic$40Above the typical range ($20–$25 nationally)
$15 above the national median
Source

Check ServicesVerified

Cashier’s Checks$10Above the typical range ($3–$5.50 nationally)
$5 above the national median
Source
Copy of Paid Check$3Within the typical range ($2–$5 nationally)
At the national median
per item · Source
Counter Checks$1Within the typical range ($1–$4 nationally)
$1 below the national median
Source
Stop Payment (initial or renewal)$30Within the typical range ($20–$30 nationally)
$4 above the national median
per item · Source

Account ServicesVerified

Balance Inquiry$2Within the typical range ($1–$2 nationally)
$1 above the national median
Source
Free personal size safe deposit box for one (1) year or a$45Within the typical range ($25–$80 nationally)
At the national median
Source
Verification of Deposit$10Within the typical range ($7.46–$15 nationally)
At the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Service Charge	$4Within the typical range ($3–$10 nationally)	$1.50 below the national median	per month	—	Source
Service Charge	$22Above the typical range ($3–$10 nationally)	$16.50 above the national median	per month	—	Source
Service Charge	$14Above the typical range ($3–$10 nationally)	$8.50 above the national median	per month	—	Source
Service Charge	$10Within the typical range ($3–$10 nationally)	$4.50 above the national median	per month	—	Source
Service Charge	$5Within the typical range ($3–$10 nationally)	$0.50 below the national median	per month	—	Source
Overdraft & NSFVerified
Insufficient Funds Fees	$35Above the typical range ($25–$31.50 nationally)	$5 above the national median	—	—	Source
Overdraft Fees	$35
ATM & CardVerified
Card Replacement Fee	$5Within the typical range ($5–$10 nationally)	$5 below the national median	—	—	Source
Wire TransfersVerified
Incoming Wire Transfers	$15Within the typical range ($5–$15 nationally)	$5 above the national median	—	—	Source
Outgoing Wire Transfers: Domestic	$40
Check ServicesVerified
Cashier’s Checks	$10Above the typical range ($3–$5.50 nationally)	$5 above the national median	—	—	Source
Copy of Paid Check	$3
Account ServicesVerified
Balance Inquiry	$2Within the typical range ($1–$2 nationally)	$1 above the national median	—	—	Source
Free personal size safe deposit box for one (1) year or a	$45
Lending FeesVerified
A late fee of	$10Below the typical range ($15–$25 nationally)	$12 below the national median	—	—	Source

Fee change alerts

Get an email when Westamerica Bank changes a fee

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Work at Westamerica Bank? Request a report against local competitors

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

$35

Overdraft fee: $35

17% above the national median overdraft fee

Total fees: 18 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$5.8B

Work at Westamerica Bank? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. Priced on request: we reply within one business day with scope and price.

Request the report Correct or add a fee source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$5.8B

Total deposits

$4.8B

Service charge income

$3.7M

Fee income ratio

5.8%

Return on assets

1.85%

Branches

Service charge income by quarter

Q2 2026$3.7M

Q1 2026$3.6M

Q4 2025$3.6M

Q3 2025$3.7M

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 38,170 published fee entries from 2,669 institutions

See pricing