12 banks and credit unions have branches in Georgetown. The Bank Fee Index holds published fees for 10 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Kentucky
Georgetown counts institutions with a branch here, wherever headquartered. Kentucky counts institutions headquartered in the state.
Georgetown
6 institutions with a branch here
$2.75
Kentucky
30 institutions headquartered in Kentucky
$1.50
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Georgetown median sits furthest from Kentucky's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Georgetown 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 $37.
Median published overdraft fee
Georgetown
9 institutions with a branch here
$35
Kentucky
53 institutions headquartered in Kentucky
$30
U.S.
2,605 institutions in the index
$30
Georgetown 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.
12 institutions, 9 with a published overdraft fee.
Bank · based in Lexington, KY · 3 branches here
Bank · based in Wheeling, WV · 2 branches here
Account not yet known
“Overdraft Fee (per debit) $35.00**”
Bank · based in Lexington, KY · 2 branches here
Account not yet known
“We will charge you a fee of $32 each time we pay an overdraft.”
Bank · based in Louisville, KY · 2 branches here
Bank · based in Pikeville, KY · 2 branches here
Account not yet known
“NSF/Overdraft Fee | $32.00”
Credit union, membership rules apply · based in Frankfort, KY · 2 branches here
Account not yet known
“On-Line Banking Bill Payment Service … No charge Overdraft (Bill Payment Service) … $32.00/check Stop”
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 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 Winchester, KY · 1 branch here
Account not yet known
“A NSF Paid Item(s) Charge or NSF Returned Items(s) Charge of $34.00 will be assessed for each item that is paid or returned.”
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: Scott County
Deposits and branches cover the City of Georgetown. Population and income cover Scott County, the county with most of Georgetown'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 Scott County.
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