Ten banks were told by the Federal Reserve to come up with $75 billion in fresh capital, most of which coming from three of them.

Bank of America (BAC) Corp. has a $34 billion hole - the most of its peers - which it plans to fill without any additional capital from the government.

Meanwhile Wells Fargo & Co. (WFC), weighed down by troubled loans tied to its purchase of Wachovia Corp., has a $13.7 billion gap. GMAC LLC (GMAC) comes in a close third, at $11.5 billion.

Meanwhile, Citigroup Inc. (C), having successfully lobbied the government for credit for some pending capital-producing transactions, must raise about $5.5 billion - less than some had expected. The banking giant plans to cover the shortfall by expanding its plan to convert preferred shares to common shares.

Other banks must come up with comparatively small amounts. Fifth Third Bancorp (FITB), KeyCorp (KEY), Morgan Stanley (MS) and PNC Financial (PNC) each need less than $2 billion in fresh capital. PNC Financial needs to raise just $600 million.

Meanwhile, Regions Financial Corp. (RF) and SunTrust Banks (STI) must raise $2.5 billion and $2.2 billion respectively.

JPMorgan Chase & Co. (JPM), Goldman Sachs Group Inc. (GS), American Express Co. (AXP), BB&T Corp. (BBT), State Street Corp. (STT), MetLife Inc. (MET), Bank of New York Mellon Corp. (BK), U.S. Bancorp (USB) and Capital One Financial Corp. (COF) don't need to raise any additional capital at all.

-By Jessica Holzer, Dow Jones Newswires; 202-862-9228; jessica.holzer@dowjones.com