River City Bank

Headquarters: Sacramento, California
Charter: Bank
Assets: $6.0B
Fed district: San Francisco

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

Source: its fee schedule, read Nov 4, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
River City Bank: No fee
River City Bank: No fee
U.S. median: no median
Overdraft (OD)
River City Bank: $30
River City Bank: $30
U.S. median: no median
Non-Network ATM
River City Bank: $2.50
River City Bank: $2.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 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 River City Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance FeeNo charge
per month
Account Research (audience not stated, treated as personal)$45
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft$30
per item

ATM & Card

Avoid these fees by using an ATM that utilizes the MoneyPass© Network$2.50
per item
Non-MoneyPass© ATM Activity (audience not stated, treated as personal)$2.50
per item
Non-Network ATM$2.50
per transaction

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Fee	No charge	per month	None
Account Research (audience not stated, treated as personal)	$45Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft	$30	per item	None
ATM & Card
Avoid these fees by using an ATM that utilizes the MoneyPass© Network	$2.50	per item	None
Non-MoneyPass© ATM Activity (audience not stated, treated as personal)	$2.50	per item	None
Non-Network ATM	$2.50	per transaction	None
Wire Transfers
Wire Transfer (Domestic Out)	$35	per item	None
Incoming Domestic Wire Transfer	$15	per item	None
Int’l Wire Fee Out +	$30	Not stated	None
Outgoing International Wire Transfer sent in U.S. Dollars	$45	per item	None
Wire Transfer (Int'l Out)	$75	Not stated	None
Incoming International Wire Transfers	$15	per item	None
Check Services
Cashier's Check	$20	per item	None
Cashier’s Check	$8	per item	None
Digital & Electronic
Bill Pay & Zelle	$30Not compared: Per-item charge, not monthly	per item	None
Bill Payment (audience not stated, treated as personal)	$10	per month	None
Expedited Bill Payment – Electronic Delivery (audience not stated, treated as personal)	$6.95Not compared: Per-item charge, not monthly	per item	None
Regular bill payment request	No charge	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Notary Service (audience not stated, treated as personal)	No charge	Not stated	None
Replacement Key	$20Not compared: Box drilling or key fee	per item	None
Safe Deposit Box	$125Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10” X 10”	$150	Not stated	None
Safe Deposit Box 2” X 5”	$40	Not stated	None
Safe Deposit Box 3” X 10”	$80	Not stated	None
Safe Deposit Box 3” X 5”	$50	Not stated	None
Safe Deposit Box 4” X 5”	$60	Not stated	None
Safe Deposit Box 5” X 10”	$90	Not stated	None
Safe Deposit Box 5” X 5”	$70	Not stated	None
Safe Deposit Box 6” X 10”	$100	Not stated	None
Safe Deposit Box 9” X 10”	$140	Not stated	None
Legal Process/Subpoena	$150	Not stated	None
Other Fees
Armored Transport (Armored Courier)	$1.25	per item	None
Courier Delivery	$30	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Showing 5 of 34 fees.

Correct a fee source

Nov 4, 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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