13 banks and credit unions have branches in Somerset. The Bank Fee Index holds published fees for 8 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Kentucky
Somerset counts institutions with a branch here, wherever headquartered. Kentucky counts institutions headquartered in the state.
Somerset
6 institutions with a branch here
$33.50
Kentucky
53 institutions headquartered in Kentucky
$30
U.S.
2,605 institutions in the index
$30
Chosen as the fee whose Somerset median sits furthest from Kentucky's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Somerset 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 $30 to $36.
Median published overdraft fee
Somerset
6 institutions with a branch here
$33.50
Kentucky
53 institutions headquartered in Kentucky
$30
U.S.
2,605 institutions in the index
$30
Somerset 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.
13 institutions, 6 with a published overdraft fee.
Bank · based in Somerset, KY · 5 branches here
Bank · based in Somerset, KY · 3 branches here
Bank · based in Somerset, KY · 3 branches here
Bank · based in Monticello, KY · 2 branches here
Account not yet known
“If you use No Bounce Advantage™, you should remember the bank’s normal overdraft item charge for each transaction is $35.00”
Bank · based in Lexington, KY · 2 branches here
Account not yet known
“NSF Paid Item or NSF Returned Item $32.00”
Bank · based in Pikeville, KY · 2 branches here
Account not yet known
“NSF/Overdraft Fee | $32.00”
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.”
Bank · based in Lancaster, KY · 1 branch here
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 Whitley City, KY · 1 branch here
Largest banks by local bank deposits
Share of the $1.7 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Pulaski County
Deposits and branches cover the City of Somerset. Population and income cover Pulaski County, the county with most of Somerset'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 Pulaski County.
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