7 banks and credit unions have branches in Gardner. The Bank Fee Index holds published fees for 6 of them.
The count includes institutions based elsewhere that have a branch here.
Compared with Kansas
Where a fee has enough institutions for a local median, the Gardner median is within 10% of the Kansas median on all 1 fee.
Gardner counts institutions with a branch here, wherever headquartered. Kansas counts institutions headquartered in the state.
Pick a fee to compare Gardner with Kansas 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 $12 to $35.
Median published overdraft fee
Gardner
5 institutions with a branch here
$29
Kansas
63 institutions headquartered in Kansas
$27.50
U.S.
2,605 institutions in the index
$30
Gardner covers every institution with a branch here, wherever it is headquartered. Kansas covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
7 institutions, 5 with a published overdraft fee.
Bank · based in Jefferson City, MO · 2 branches here
Account not yet known
“Overdrafts created by check, in-person withdrawal, ATM withdrawal, debit card, pre-authorized debits, or other electronic means)* $35.00”
Bank · based in Baldwin City, KS · 1 branch here
Bank · based in Garnett, KS · 1 branch here
Bank · based in Fayetteville, AR · 1 branch 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 Topeka, KS · 1 branch here
Account not yet known
“Overdraft $12.00 Charge assessed for each item presented to the Bank that creates an overdraft in the account”
Bank · based in Junction City, KS · 1 branch here
Account not yet known
“Please note that the amount of the overdraft plus our paid overdraft item fee of $32 for each item will be deducted from your overdraft limit”
Credit union, membership rules apply · based in Leavenworth, KS · 1 branch here
Account not yet known
“Overdraft Privilege | $29.00 / Item”
Largest banks by local bank deposits
Share of the $416 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Johnson County
Deposits and branches cover the City of Gardner. Population and income cover Johnson County, the county with most of Gardner'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 Johnson County.
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