vs. U.S. typical range:LowerTypicalHigher
$3.50 below the national median$3 below the California median
per month · Source
$4 above the national median$4.50 above the California median
per month · Source
$1 below the national median$0.50 below the California median
per month · Source
$8 above the national median$8.50 above the California median
per month · Source
$16 above the national median$16.50 above the California median
per month · Source
$2 below the national median$1.50 below the California median
per month · Source
$5 above the national median$10 above the California median
$5 above the national median$12 above the California median
$7 above the national median$9 above the California median
per item · Source
$0.50 above the national medianAt the California median
per item · Source
$1 above the national median$0.50 above the California median
per transaction · Source
$1 above the national median$0.50 above the California median
per month · Source
$5 below the national median$5 below the California median
per item · Source
$15 above the national median$15 above the California median
per item · Source
$5 above the national median$5 above the California median
per item · Source
At the national median$5 above the California median
per item · Source
$5 above the national median$5 above the California median
per item · Source
$2.50 above the national median$7.50 above the California median
per item · Source
$1 below the national median$2 below the California median
per item · Source
At the national medianAt the California median
per item · Source
$165 above the national median$135 above the California median
$215 above the national median$185 above the California median
$15 above the national median$15 below the California median
$365 above the national median$335 above the California median
$50 above the national median$20 above the California median
$55 above the national median$25 above the California median
At the national median$30 below the California median
$105 above the national median$75 above the California median
$25 above the national median$5 below the California median
$35 above the national median$5 above the California median
$5 above the national median$25 below the California median
$75 above the national median$45 above the California median
$85 above the national median$55 above the California median
At the national medianAt the California median
per item · Source
$10 below the national median$10 below the California median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| balance requirement to avoid the monthly service charge is met. Otherwise, a fee of | $2.50Below the typical range ($4–$10 nationally) | $3.50 below the national median$3 below the California median | per month | — | Source |
| Service Charge | $10Within the typical range ($4–$10 nationally) | $4 above the national median$4.50 above the California median | per month | — | Source |
| Service Charge | $5Within the typical range ($4–$10 nationally) | $1 below the national median$0.50 below the California median | per month | — | Source |
| Service Charge | $14Above the typical range ($4–$10 nationally) | $8 above the national median$8.50 above the California median | per month | — | Source |
| Signature Account Service Charge | $22Above the typical range ($4–$10 nationally) | $16 above the national median$16.50 above the California median | per month | — | Source |
| Value Checking Service Charge | $4Within the typical range ($4–$10 nationally) | $2 below the national median$1.50 below the California median | per month | — | Source |
Overdraft & NSFVerified | |||||
| Overdraft Fees | $35Above the typical range ($25–$33 nationally) | $5 above the national median$10 above the California median | — | — | Source |
| Insufficient Funds Fees | $35 | ||||
ATM & CardVerified | |||||
| Balance Inquiry | $2Within the typical range ($1–$2.25 nationally) | $0.50 above the national medianAt the California median | per item | — | Source |
| Network ATM Fee: Withdrawal | $2.50 | ||||
Wire TransfersVerified | |||||
| Outgoing Wire Transfers: Domestic | $40Above the typical range ($20–$25 nationally) | $15 above the national median$15 above the California median | per item | — | Source |
| Incoming Wire Transfers | $15 | ||||
Check ServicesVerified | |||||
| Cashier’s Checks | $10Above the typical range ($3–$6 nationally) | $5 above the national median$5 above the California median | per item | — | Source |
| Stop Payment (initial or renewal) | $30 | ||||
Account ServicesVerified | |||||
| 15” x 10” 16” x 10” | $210Above the typical range ($30–$70 nationally) | $165 above the national median$135 above the California median | — | — | Source |
| 15” x 15” 16” x 16” | $260 | ||||
Lending FeesVerified | |||||
| Late fee | $10Within the typical range ($10–$25 nationally) | $10 below the national median$10 below the California median | — | — | Source |
Its state has too few comparable institutions, so these are its Fed district peers.
Overdraft
$35.00
Of 47 others that publish it, 40 lower, 7 the same and 0 higher.
Monthly maintenance
$7.50
Of 52 others that publish it, 22 lower, 1 the same and 29 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$35
Headline fees published
11 of 15
Published fees
35
Under review
0
Assets
$5.8B
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Financial Context
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
75
Service charge income by quarter
Financial profile · Pro
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| $5 above the national median$12 above the California median |
| — |
| — |
| Source |
| Linked Overdraft Protection | $12Above the typical range ($2.50–$5 nationally) | $7 above the national median$9 above the California median | per item | — | Source |
| $1 above the national median$0.50 above the California median |
| per transaction |
| — |
| Source |
| Westamerica will not impose a Network ATM fee for withdrawals made at any non-Westamerica ATM if the balance requirement | $2.50Above the typical range ($1–$2.25 nationally) | $1 above the national median$0.50 above the California median | per month | — | Source |
| Card Replacement Fee | $5Within the typical range ($5–$10 nationally) | $5 below the national median$5 below the California median | per item | — | Source |
| $5 above the national median$5 above the California median |
| per item |
| — |
| Source |
| Outgoing Wire Transfers: International | $50Within the typical range ($40–$50 nationally) | At the national median$5 above the California median | per item | — | Source |
| $2.50 above the national median$7.50 above the California median |
| per item |
| — |
| Source |
| Counter Checks | $1Within the typical range ($1–$4 nationally) | $1 below the national median$2 below the California median | per item | — | Source |
| Copy of Paid Check | $3Within the typical range ($2–$5 nationally) | At the national medianAt the California median | per item | — | Source |
| $215 above the national median$185 above the California median |
| — |
| — |
| Source |
| 2” x 10” 5” x 5” | $60Within the typical range ($30–$70 nationally) | $15 above the national median$15 below the California median | — | — | Source |
| 20” x 18” 24” x 15” | $410Above the typical range ($30–$70 nationally) | $365 above the national median$335 above the California median | — | — | Source |
| 5” x 10” 6” x 8” | $95Above the typical range ($30–$70 nationally) | $50 above the national median$20 above the California median | — | — | Source |
| 6” x 10” 7” x 10” | $100Above the typical range ($30–$70 nationally) | $55 above the national median$25 above the California median | — | — | Source |
| Free personal size safe deposit box for one (1) year or a | $45Within the typical range ($30–$70 nationally) | At the national median$30 below the California median | — | — | Source |
| Safe Deposit Box 10” x 10” | $150Above the typical range ($30–$70 nationally) | $105 above the national median$75 above the California median | — | — | Source |
| Safe Deposit Box 3” x 10” | $70Within the typical range ($30–$70 nationally) | $25 above the national median$5 below the California median | — | — | Source |
| Safe Deposit Box 4” x 10” | $80Above the typical range ($30–$70 nationally) | $35 above the national median$5 above the California median | — | — | Source |
| Safe Deposit Box 4” x 5” | $50Within the typical range ($30–$70 nationally) | $5 above the national median$25 below the California median | — | — | Source |
| Safe Deposit Box 8” x 10” | $120Above the typical range ($30–$70 nationally) | $75 above the national median$45 above the California median | — | — | Source |
| Safe Deposit Box 9” x 10” | $130Above the typical range ($30–$70 nationally) | $85 above the national median$55 above the California median | — | — | Source |
| Verification of Deposit | $10Within the typical range ($5–$15 nationally) | At the national medianAt the California median | per item | — | Source |