12 banks and credit unions have branches in Hays. The Bank Fee Index holds published fees for 7 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Kansas
Hays counts institutions with a branch here, wherever headquartered. Kansas counts institutions headquartered in the state.
Hays
5 institutions with a branch here
$5
Kansas
57 institutions headquartered in Kansas
$10
U.S.
2,744 institutions in the index
$10
Chosen as the fee whose Hays median sits furthest from Kansas's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Hays 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 $30 to $36.
Median published overdraft fee
Hays
5 institutions with a branch here
$32
Kansas
63 institutions headquartered in Kansas
$27.50
U.S.
2,605 institutions in the index
$30
Hays 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.
12 institutions, 5 with a published overdraft fee.
Bank · based in Dallas, TX · 2 branches here
Bank · based in Hays, KS · 1 branch here
Bank · based in Kansas City, MO · 1 branch here
Account not yet known
“Overdraft/Insuffcient Funds2 | $36”
Bank · based in Hays, KS · 1 branch here
Bank · based in Wichita, KS · 1 branch here
Account not yet known
“Overdraft $32.00 per item.”
Bank · based in Scandia, KS · 1 branch here
Bank · based in Andover, KS · 1 branch here
Account not yet known
“Overdraft Charge/Return Check Charge - each | $34.98”
Bank · based in Hoisington, KS · 1 branch here
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 Wichita, KS · 1 branch here
Largest banks by local bank deposits
Share of the $1.2 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Ellis County
Deposits and branches cover the City of Hays. Population and income cover Ellis County, the county with most of Hays'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 Ellis County.
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