5 banks and credit unions have branches in Fernley. The Bank Fee Index holds published fees for 5 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Nevada
Fernley counts institutions with a branch here, wherever headquartered. Nevada counts institutions headquartered in the state.
Fernley
5 institutions with a branch here
$29
Nevada
11 institutions headquartered in Nevada
$25
U.S.
2,605 institutions in the index
$30
Chosen as the fee whose Fernley median sits furthest from Nevada's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Fernley with Nevada 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 $25 to $35.
Median published overdraft fee
Fernley
5 institutions with a branch here
$29
Nevada
11 institutions headquartered in Nevada
$25
U.S.
2,605 institutions in the index
$30
Fernley covers every institution with a branch here, wherever it is headquartered. Nevada covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
5 institutions, 5 with a published overdraft fee.
Bank · based in Sioux Falls, SD · 1 branch 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 Salt Lake City, UT · 1 branch here
Account not yet known
“Overdraft Fee - Paid Items | $29.00”
Bank · based in Seattle, WA · 1 branch here
Account not yet known
“Insufficient Funds Charge (Paid) | $30 Per Presentment§”
Credit union, membership rules apply · based in Carson City, NV · 1 branch here
Account not yet known
“Max Overdraft Access … $25.00”
Credit union, membership rules apply · based in St Joseph, MI · 1 branch here
Account not yet known
“imposing a Courtesy Pay fee ($25) for each overdraft we pay.”
Largest banks by local bank deposits
Share of the $258 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Lyon County
Deposits and branches cover the City of Fernley. Population and income cover Lyon County, the county with most of Fernley'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 Lyon County.
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