6 banks and credit unions have branches in Heber Springs. The Bank Fee Index holds published fees for 6 of them.
The count includes institutions based elsewhere that have a branch here.
Medians for reference: Arkansas $7 · U.S. $6.99
Local median not shown; five institutions required.
Pick a fee to compare Heber Springs with Arkansas and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Three published overdraft fees: $29–$35.
Medians for reference: Arkansas $30 · U.S. $30
6 institutions, 3 with a published overdraft fee.
Bank · based in Searcy, AR · 2 branches here
Bank · based in Jacksonville, AR · 2 branches here
Bank · based in Little Rock, AR · 2 branches here
Account not yet known
“Non-Sufficient Funds/Overdraft Charge Paid Item* … ..$30.00”
Bank · based in Paragould, AR · 1 branch here
Account not yet known
“Insufficient Funds Overdraft Item Fee (NSF Fee): $29.00 per item”
Bank · based in Conway, AR · 1 branch here
Account not yet known
“Overdraft Fee* $35.00 per paid item”
Bank · based in Lonoke, AR · 1 branch here
Largest banks by local bank deposits
Share of the $525 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Cleburne County
Deposits and branches cover the City of Heber Springs. Population and income cover Cleburne County, the county with most of Heber Springs's bank branches, not the city alone. This is background. None of it sets or explains a fee.
Bank deposits
Change at branches here, 2021 to 2026
Bank branches
Change in branch count, 2016 to 2026
Population
Change between the 2022 and 2024 Census estimates
Median household income
Census estimate, 2024
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for Cleburne County.
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