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Bank of Stockton Review

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We maintain strict editorial integrity in our writing and assessments. This post contains links from our advertisers, and we may receive compensation when you click these links. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone. | Advertiser Disclosure
We maintain strict editorial integrity in our writing and assessments. This post contains links from our advertisers, and we may receive compensation when you click these links. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone. | Advertiser Disclosure
Bank of Stockton Savings
0.04% APY

Overview

Our Rating: 3.9/5 How we calculated this rating

Established in 1867, Bank of Stockton has assets totaling $3 billion and deposits totaling $2 billion, which makes the institution a large bank. Bank of Stockton, whose headquarters are in Stockton, California, has above-average customer service access with all-day support available, which is helpful for those that work during typical customer service hours. It is a traditional brick-and-mortar bank, which means in-person service, in addition to its online and mobile presence. At a SmartAsset rating of 3.9 stars out of 5, Bank of Stockton should be near the middle of the pack in your search for a bank. 

Bank of Stockton has a varied selection of product offerings, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate, which means other popular banks have higher rates. The bank's standard checking account has a $4.00 monthly fee, which is not too bad compared to the national average. Why use checking and savings accounts with the same bank? Convenient transferring between the two accounts translates to higher interest rates in your savings account with the flexibility of spending from your checking.

Service Quality

Bank of Stockton is a brick-and-mortar bank, with 19 total bank locations in California. It also offers access to mobile and web apps for straightforward access and banking on the go. It provides all-day access to representatives. 

Bank of Stockton's online and mobile banking platforms receive fairly good ratings from users: with 210 ratings across Apple and Android platforms, the Bank of Stockton mobile app rates a 3.5 out of 5 (compared to the national average of 3.8). You can use Bank of Stockton's mobile app to manage your funds by reviewing current statements, sending and receiving funds as well as reaching support representatives. Bank of Stockton gets a superb consumer satisfaction rating based on comparatively few complaints registered with the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency. 

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Accounts Compare Offers
  • 0.04% APY
$100
Certificates of Deposit Compare Offers
  • 12 Month: 0.20% APY
  • 24 Month: 0.35% APY
  • 36 Month: 0.35% APY
$10,000 for all tiers
Money Market Accounts Compare Offers
  • 10K tier: 0.05% APY
$10,000
Checking Accounts Compare Offers
  • 0.01% APY
$100

Bank of Stockton has several deposit products which include savings accounts, checking accounts, money market accounts and CDs, meaning you have many options to manage your money. It does not have the best savings rate, which means you should consider taking a look elsewhere for banks that offer more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Bank of Stockton's CD rates are competitive in comparison to other U.S. banks. 

Rates

Bank of Stockton features a savings rate of 0.04%, which is fair as compared against the national average. Bank of Stockton's one-year CD earns at a rate of 0.20% and the five-year CD has a rate of 0.35%, while its highest-yielding money market account earns at a rate of 0.05%. Bank of Stockton has a fair savings rate compared to the average savings account. Think about taking a look at other banks for savings accounts.

Compare Bank of Stockton to Other Competitive Offers

Fees

On average, Bank of Stockton charges customers high fees as compared against the national average. Bank of Stockton's checking account has a monthly fee of $4.00, making it slightly worse for anyone looking for a simple account. 

Financial Health

Bank of Stockton is a large bank with $3 billion in assets as well as deposits totaling $2 billion. Its Texas Ratio is 2.67%, indicating that the bank is in terrific financial shape and exceedingly far from failure. Additionally, Bank of Stockton is FDIC-insured, meaning that your money is insured (up to $250,000) even in the event of bank failure.

Find a Bank of Stockton Near Me

Bank of Stockton has 19 locations in the U.S.

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