18 banks and credit unions have branches in the Hot Springs metro area. The Bank Fee Index holds published fees for 12 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Arkansas
Hot Springs metro counts institutions with a branch here, wherever headquartered. Arkansas counts institutions headquartered in the state.
Hot Springs metro
7 institutions with a branch here
$2.50
Arkansas
19 institutions headquartered in Arkansas
$1
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Hot Springs metro median sits furthest from Arkansas's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Hot Springs metro with Arkansas and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Published amounts here run from $15 to $36.
Median published overdraft fee
Hot Springs metro
9 institutions with a branch here
$34
Arkansas
42 institutions headquartered in Arkansas
$30
U.S.
2,605 institutions in the index
$30
Hot Springs metro covers every institution with a branch here, wherever it is headquartered. Arkansas covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
18 institutions, 9 with a published overdraft fee.
Bank · based in Little Rock, AR · 7 branches here
Account not yet known
“An overdraft fee of $35 per item will apply, whether the overdraft is caused by check, in-person withdrawal, or electronic means.”
Bank · based in Birmingham, AL · 6 branches here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Fayetteville, AR · 5 branches here
Account not yet known
“count after we post all credits and debits for the day ("Ledger Balance") is less than the amount we need to pay your transaction. For all consumer accounts, we will assess a maxim”
Bank · based in White Hall, AR · 4 branches here
Bank · based in Cincinnati, OH · 3 branches here
Account not yet known
“• U.S. Bank will charge an Overdraft Paid Fee of $36.00 for each overdraft item we pay on your behalf. Whether we”
Bank · based in Pine Bluff, AR · 3 branches here
Account not yet known
“(including a second or subsequent request for payment), we may charge a Paid Item/Overdraft Fee of $36.00 per occurrence. However,”
Bank · based in Arkadelphia, AR · 3 branches here
Bank · based in Searcy, AR · 3 branches here
Bank · based in Malvern, AR · 3 branches here
Account not yet known
“Our overdraft fee of $34 per item will apply whether the overdraft is by check, ATM or in-person withdrawal, debit card transactions, or other electronic means”
Bank · based in Danville, AR · 2 branches here
Account not yet known
“Overdraft Fee (item paid) | $30 each item”
Largest banks by local bank deposits
Share of the $3.1 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Hot Springs metro's counties
Deposits and branches cover the Hot Springs metro. Population and income cover the metro's counties. 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 the metro's counties.
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