Local Sacramento Banking Options

Looking at new, local banks:

1. The Merchant's National Bank
2. River City Bank
3. Tri Counties Bank
4. Schools Financial Credit Union
5. Sacramento Credit Union

#1 The Merchant's National Bank

Free checking; online banking; ATM/debit card; no transaction fees (?); $100 minimum to open; not sure about overdraft/NSF fees.

#2 River City Bank

Free checking; online banking; Visa ATM/debit card; $100 minimum to open; $28.50 each time an overdraft is paid

#3 Tri Counties Bank

Free checking; online banking; ATM/debit card; $100 minimum to open; $29.50 each time an overdraft is paid

#4 Schools Financial Credit Union

Free checking; online banking; ATM/debit card; $100 minimum to open; $25 each time an overdraft is paid

#5 Sacramento Credit Union

Free checking; online banking; ATM/debit card; $100 minimum to open; $24 each time an overdraft is paid