49 banks and credit unions have branches in the Lexington-Fayette metro area. The Bank Fee Index holds published fees for 37 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Kentucky
Lexington-Fayette metro counts institutions with a branch here, wherever headquartered. Kentucky counts institutions headquartered in the state.
Lexington-Fayette metro
17 institutions with a branch here
$5
Kentucky
39 institutions headquartered in Kentucky
$10
U.S.
2,744 institutions in the index
$10
Chosen as the fee whose Lexington-Fayette metro median sits furthest from Kentucky's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Lexington-Fayette metro 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 $10 to $37.
Median published overdraft fee
Lexington-Fayette metro
32 institutions with a branch here
$32
Kentucky
53 institutions headquartered in Kentucky
$30
U.S.
2,605 institutions in the index
$30
Lexington-Fayette metro 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.
49 institutions, 32 with a published overdraft fee.
Bank · based in Lexington, KY · 18 branches here
Account not yet known
“We will charge you a fee of $32 each time we pay an overdraft.”
Bank · based in Cincinnati, OH · 13 branches 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 · 13 branches here
Bank · based in Columbus, OH · 12 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Wilmington, DE · 11 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Pikeville, KY · 11 branches here
Account not yet known
“NSF/Overdraft Fee | $32.00”
Bank · based in Mount Sterling, KY · 9 branches here
Account not yet known
“Overdraft Item Charge | $32 per item”
Credit union, membership rules apply · based in Lexington, KY · 8 branches here
Account not yet known
“ACH OD Fee | $29.00 per transaction presentment”
Bank · based in Lexington, KY · 7 branches here
Bank · based in Wheeling, WV · 6 branches here
Account not yet known
“Overdraft Fee (per debit) $35.00**”
Largest banks by local bank deposits
Share of the $16.0 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Lexington-Fayette metro's counties
Deposits and branches cover the Lexington-Fayette metro. Population and income cover the metro's counties. 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
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for the metro's counties.
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