16 banks and credit unions have branches in Gaithersburg. The Bank Fee Index holds published fees for 14 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Maryland
Gaithersburg counts institutions with a branch here, wherever headquartered. Maryland counts institutions headquartered in the state.
Gaithersburg
14 institutions with a branch here
$12
Maryland
28 institutions headquartered in Maryland
$6.48
U.S.
1,904 institutions in the index
$6.99
Chosen as the fee whose Gaithersburg median sits furthest from Maryland's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Gaithersburg with Maryland 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 $0 to $36.
Median published overdraft fee
Gaithersburg
11 institutions with a branch here
$34
Maryland
38 institutions headquartered in Maryland
$31
U.S.
2,605 institutions in the index
$30
Gaithersburg covers every institution with a branch here, wherever it is headquartered. Maryland covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
16 institutions, 11 with a published overdraft fee.
Bank · based in Charlotte, NC · 5 branches 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 McLean, VA · 4 branches here
Account not yet known
“No-Fee Overdraft | Free”
Bank · based in Buffalo, NY · 4 branches here
Account not yet known
“Overdraft Fee | $15.00 for each overdraft item we pay, unless one of the following exceptions apply:”
Bank · based in Charlotte, NC · 3 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Richmond City, VA · 3 branches here
Bank · based in Sioux Falls, SD · 3 branches here
Account not yet known
“Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we char”
Bank · based in Wilmington, DE · 2 branches here
Account not yet known
“$35 fee per overdraft”
Credit union, membership rules apply · based in Germantown, MD · 2 branches here
Account not yet known
“Privilege Pay | $31.00”
Bank · based in Sioux Falls, SD · 1 branch here
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Largest banks by local bank deposits
Share of the $5.1 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Montgomery County
Deposits and branches cover the City of Gaithersburg. Population and income cover Montgomery County, the county with most of Gaithersburg'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 Montgomery County.
Work at a bank or credit union here?
Hamilton, the Fee Insight workspace, sets an institution's own fees beside every institution in this market, with the source for each figure.
Choosing an account?
Open any institution above to see all of its published fees and where each one came from.
Search institutions