17 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 5, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
VALUE CHECKING $4 · INTEREST CHECKING $14 · SIGNATURE ACCOUNT $22
Compared at $14, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Westamerica Bank · $5.8B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Westamerica Bank(this institution) | San Rafael, CA | $5.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alerus Financial, National Association | Grand Forks, ND | $5.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Banesco USA | Miami, FL | $6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bradesco Bank | Coral Gables, FL | $6.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Broadway National Bank | San Antonio, TX | $5.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| CFG Bank | Lutherville, MD | $6.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Choice Financial Group | Fargo, ND | $6.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Emigrant Bank | Miami, FL | $5.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| First Financial Bank, National Association | Terre Haute, IN | $6.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First International Bank & Trust | Watford City, ND | $6.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Internet Bank of Indiana | Fishers, IN | $5.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Firstrust Savings Bank | Conshohocken, PA | $5.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Five Star Bank | Warsaw, NY | $6.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Great Southern Bank | Reeds Spring, MO | $5.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Independent Bank | Grand Rapids, MI | $5.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Institution for Savings in Newburyport and Its Vicinity | Newburyport, MA | $5.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mercantile Bank | Grand Rapids, MI | $6.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Middlesex Savings Bank | Natick, MA | $6.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Morton Community Bank | Morton, IL | $5.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northeast Bank | Portland, ME | $5.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Orrstown Bank | Harrisburg, PA | $5.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| River City Bank | Sacramento, CA | $6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Shore United Bank, National Association | Easton, MD | $6.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Southern Bank | Poplar Bluff, MO | $5.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Southern Bank and Trust Company | Mount Olive, NC | $5.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wilson Bank and Trust | Lebanon, TN | $6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $14, the middle of its three prices, against a peer median of $10 among 13 publishing peers.
Its three checking prices are $4, $14 and $22.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026.
Monthly maintenance fee in dollars, one mark per institution
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 Nov 4, 2026. Total assets from FDIC and NCUA records.
Amounts from Westamerica Bank’s own schedules, with a source for each figure.
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| INTEREST CHECKING Service Charge | $14 | per month | None |
| Signature Account Service Charge | $22 | per month | None |
| Value Checking Service Charge | $4 | per month | None |
| Early Closure Fee | $30 | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fees | $35 | Not stated | None |
| Insufficient Funds Fees | $35 | Not stated | None |
| Linked Overdraft Protection | $12 | per item | None |
ATM & Card | |||
| Balance Inquiry | $2 | per item | None |
| Network ATM Fee: Withdrawal | $2.50 | per transaction | None |
| Non-Westamerica ATM withdrawal (balance requirement not met) | $2.50Not compared: Monthly charge, not per item | per month | None |
| Card Replacement Fee | $5 | per item | None |
Wire Transfers | |||
| Outgoing Wire Transfers: Domestic | $40 | per item | None |
| Incoming Wire Transfers | $15 | per item | None |
| Outgoing Wire Transfers: International | $50 | per item | None |
Check Services | |||
| Cashier’s Checks | $10 | per item | None |
| Stop Payment (initial or renewal) | $30 | per item | None |
| Counter Checks | $1 | per item | None |
| Copy of Paid Check | $3 | per item | None |
Account Services | |||
| 15” x 10” 16” x 10” | $210 | Not stated | None |
| 15” x 15” 16” x 16” | $260 | Not stated | None |
| 2” x 10” 5” x 5” | $60 | Not stated | None |
| 20” x 18” 24” x 15” | $410 | Not stated | None |
| 5” x 10” 6” x 8” | $95 | Not stated | None |
| 6” x 10” 7” x 10” | $100 | Not stated | None |
| Safe Deposit Box 10” x 10” | $150 | Not stated | None |
| Safe Deposit Box 3” x 10” | $70 | Not stated | None |
| Safe Deposit Box 4” x 10” | $80 | Not stated | None |
| Safe Deposit Box 4” x 5” | $50 | Not stated | None |
| Safe Deposit Box 8” x 10” | $120 | Not stated | None |
| Safe Deposit Box 9” x 10” | $130 | Not stated | None |
| Verification of Deposit | $10 | per item | None |
Lending Fees | |||
| Late fee | $10 | Not stated | None |
Oct 5, 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.
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