8 banks and credit unions have branches in Bardstown. The Bank Fee Index holds published fees for 6 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Kentucky
Bardstown counts institutions with a branch here, wherever headquartered. Kentucky counts institutions headquartered in the state.
Bardstown
5 institutions with a branch here
$6.25
Kentucky
39 institutions headquartered in Kentucky
$10
U.S.
2,745 institutions in the index
$10
Chosen as the fee whose Bardstown median sits furthest from Kentucky's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Bardstown with Kentucky 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 $31 to $36.
Median published overdraft fee
Bardstown
5 institutions with a branch here
$33
Kentucky
53 institutions headquartered in Kentucky
$30
U.S.
2,603 institutions in the index
$30
Bardstown covers every institution with a branch here, wherever it is headquartered. Kentucky covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
8 institutions, 5 with a published overdraft fee.
Bank · based in Bardstown, KY · 3 branches here
Account not yet known
“UCF Paid Item Fee | $33.00 per item”
Bank · based in Bardstown, KY · 3 branches here
Account not yet known
“OVERDRAFT FEE (per item) $33.00”
Bank · based in Hodgenville, KY · 2 branches here
Credit union, membership rules apply · based in Radcliff, KY · 2 branches here
Account not yet known
“Courtesy Pay/Courtesy Pay Plus/Overdraft $ 31.00 Charged each time you use the Courtesy Pay/Courtey Pay Plus service to cover overdrawn transactions, if opted in”
Bank · based in Wheeling, WV · 1 branch here
Account not yet known
“Overdraft Fee (per debit) $35.00**”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Louisville, KY · 1 branch here
Credit union, membership rules apply · based in Bardstown, KY · 1 branch here
Largest banks by local bank deposits
Share of the $1.0 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Nelson County
Deposits and branches cover the City of Bardstown. Population and income cover Nelson County, the county with most of Bardstown'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 Nelson County.
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