Westamerica Bank

Headquarters: San Rafael, California
Charter: Bank
Assets: $5.8B
Fed district: San Francisco

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 5, 2026.

Explore Hamilton View published fees

Fees against the market

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
Westamerica Bank: $4 to $22
Westamerica Bank: $4 to $22
U.S. median: no median
Overdraft (OD)
Westamerica Bank: $35
Westamerica Bank: $35
U.S. median: no median
NSF / Returned Item
Westamerica Bank: $35
Westamerica Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 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.

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Published fee schedule

Amounts from Westamerica Bank’s own schedules, with a source for each figure.

Account Maintenance

INTEREST CHECKING Service Charge$14
per month
Signature Account Service Charge$22
per month
Value Checking Service Charge$4
per month
Early Closure Fee$30

Overdraft & NSF

Overdraft Fees$35
Insufficient Funds Fees$35
Linked Overdraft Protection$12
per item

ATM & Card

Balance Inquiry$2
per item
Network ATM Fee: Withdrawal$2.50
per transaction
Non-Westamerica ATM withdrawal (balance requirement not met)$2.50
Not compared: Monthly charge, not per item
per month
Card Replacement Fee$5
per item

Wire Transfers

Outgoing Wire Transfers: Domestic$40
per item
Incoming Wire Transfers$15
per item
Outgoing Wire Transfers: International$50
per item

Check Services

Cashier’s Checks$10
per item
Stop Payment (initial or renewal)$30
per item
Counter Checks$1
per item
Copy of Paid Check$3
per item

Account Services

15” x 10” 16” x 10”$210
15” x 15” 16” x 16”$260
2” x 10” 5” x 5”$60
20” x 18” 24” x 15”$410
5” x 10” 6” x 8”$95
6” x 10” 7” x 10”$100
Safe Deposit Box 10” x 10”$150
Safe Deposit Box 3” x 10”$70
Safe Deposit Box 4” x 10”$80
Safe Deposit Box 4” x 5”$50
Safe Deposit Box 8” x 10”$120
Safe Deposit Box 9” x 10”$130
Verification of Deposit$10
per item

Lending Fees

Late fee$10

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

Correct a fee source

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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