17 banks and credit unions have branches in Surprise. The Bank Fee Index holds published fees for 14 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Arizona
Surprise counts institutions with a branch here, wherever headquartered. Arizona counts institutions headquartered in the state.
Surprise
6 institutions with a branch here
$15
Arizona
21 institutions headquartered in Arizona
$32
U.S.
2,857 institutions in the index
$30
Chosen as the fee whose Surprise median sits furthest from Arizona's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Surprise with Arizona 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 $10 to $37.
Median published overdraft fee
Surprise
10 institutions with a branch here
$33.50
Arizona
19 institutions headquartered in Arizona
$30
U.S.
2,605 institutions in the index
$30
Surprise covers every institution with a branch here, wherever it is headquartered. Arizona covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
17 institutions, 10 with a published overdraft fee.
Bank · based in Columbus, OH · 4 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Sioux Falls, SD · 3 branches here
Account not yet known
“Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we char”
Bank · based in Charlotte, NC · 2 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Oklahoma City, OK · 2 branches here
Account not yet known
“Paid Overdraft $35 Per item that overdraws your account that we pay”
Bank · based in Cincinnati, OH · 2 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”
Credit union, membership rules apply · based in Phoenix, AZ · 2 branches here
Account not yet known
“OVERDRAFT FEE … $30”
Bank · based in Hicksville, NY · 1 branch here
Account not yet known
“assess an Overdraft Charge of $30 per Item. However, we will not charge you more than three Overdraft”
Bank · based in Harwood Heights, IL · 1 branch here
Bank · based in Chicago, IL · 1 branch here
Bank · based in Cincinnati, OH · 1 branch here
Account not yet known
“If Overdraft Coverage is used, the per item fee for each overdraft is $37 per item.”
Largest banks by local bank deposits
Share of the $2.5 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Maricopa County
Deposits and branches cover the City of Surprise. Population and income cover Maricopa County, the county with most of Surprise'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 Maricopa County.
Work at a bank or credit union here?
Hamilton, the Fee Insight workspace, sets an institution's own fees beside every institution in this market, with the source for each figure.
Choosing an account?
Open any institution above to see all of its published fees and where each one came from.
Search institutions