9 banks and credit unions have branches in Berea. 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 Kentucky
Berea counts institutions with a branch here, wherever headquartered. Kentucky counts institutions headquartered in the state.
Berea
5 institutions with a branch here
$25
Kentucky
46 institutions headquartered in Kentucky
$20
U.S.
2,629 institutions in the index
$25
Chosen as the fee whose Berea median sits furthest from Kentucky's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Berea 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 $32 to $36.
Median published overdraft fee
Berea
7 institutions with a branch here
$32
Kentucky
53 institutions headquartered in Kentucky
$30
U.S.
2,605 institutions in the index
$30
Berea 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.
9 institutions, 7 with a published overdraft fee.
Bank · based in Lexington, KY · 5 branches here
Bank · based in Cincinnati, OH · 1 branch 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 Pikeville, KY · 1 branch here
Account not yet known
“NSF/Overdraft Fee | $32.00”
Bank · based in London, KY · 1 branch here
Account not yet known
“1. A Paid Item Fee of $35 will be applied to overdrafts created by checks, ACH and other automatic bill payments, that are paid by CVNB.”
Bank · based in Lexington, KY · 1 branch here
Account not yet known
“We will charge you a fee of $32 each time we pay an overdraft.”
Bank · based in Mount Vernon, KY · 1 branch here
Bank · based in Richmond, KY · 1 branch here
Account not yet known
“NSF Paid Item Fee or AOD Paid Item Fee4 (per item) | $35.00”
Bank · based in The Woodlands, TX · 1 branch here
Account not yet known
“One (1) $32 overdraft (OD) item fee is charged for each item that is paid.”
Credit union, membership rules apply · based in Louisville, KY · 1 branch here
Account not yet known
“Courtesy Overdraft Fee | Per item paid. | $32.00/each”
Largest banks by local bank deposits
Share of the $512 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Madison County
Deposits and branches cover the City of Berea. Population and income cover Madison County, the county with most of Berea'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 Madison County.
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