9 banks and credit unions have branches in Covington. 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
Covington counts institutions with a branch here, wherever headquartered. Kentucky counts institutions headquartered in the state.
Covington
7 institutions with a branch here
$3.25
Kentucky
30 institutions headquartered in Kentucky
$1.50
U.S.
1,651 institutions in the index
$1.50
Chosen as the fee whose Covington median sits furthest from Kentucky's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Covington 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 $15 to $37.
Median published overdraft fee
Covington
7 institutions with a branch here
$36
Kentucky
53 institutions headquartered in Kentucky
$30
U.S.
2,605 institutions in the index
$30
Covington 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 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 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.”
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“Overdraft Fee | $15.00 Per overdraft item. No overdraft fees unless final account”
Bank · based in Louisville, KY · 1 branch here
Account not yet known
“Overdraft Fee (per Check* or in-person, ATM or other electronic withdrawal) … $36”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Burlington, KY · 1 branch here
Bank · based in Covington, KY · 1 branch here
Bank · based in Cincinnati, OH · 1 branch here
Account not yet known
“Overdraft Fee-Paid Item (Maximum of 2 Items/Day) $25.00 Per Item6”
Bank · based in Charlotte, NC · 1 branch here
Account not yet known
“• Truist will charge you an Overdraft Fee, if applicable, of $36 each time we pay an overdraft on your behalf.”
Largest banks by local bank deposits
Share of the $549 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Kenton County
Deposits and branches cover the City of Covington. Population and income cover Kenton County, the county with most of Covington'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 Kenton County.
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