11 banks and credit unions have branches in Xenia. The Bank Fee Index holds published fees for 11 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Ohio
Xenia counts institutions with a branch here, wherever headquartered. Ohio counts institutions headquartered in the state.
Xenia
5 institutions with a branch here
$0
Ohio
110 institutions headquartered in Ohio
$30
U.S.
2,857 institutions in the index
$30
Chosen as the fee whose Xenia median sits furthest from Ohio's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Xenia with Ohio 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 $9 to $37.
Median published overdraft fee
Xenia
10 institutions with a branch here
$33
Ohio
116 institutions headquartered in Ohio
$30
U.S.
2,605 institutions in the index
$30
Xenia covers every institution with a branch here, wherever it is headquartered. Ohio covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
11 institutions, 10 with a published overdraft fee.
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 Newark, OH · 1 branch here
Account not yet known
“You still pay a fee of $35 per item for overdrawing your account, but your transaction will go through, and you’ll avoid the merchant’s fee”
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“Overdraft Fee | $15.00 Per overdraft item. No overdraft fees unless final account”
Bank · based in Cleveland, OH · 1 branch here
Account not yet known
“$20.00 Overdraft Item (OD) Charge will apply to each item we pay when your end-of-day overdraft balance”
Bank · based in Cincinnati, OH · 1 branch here
Account not yet known
“• U.S. Bank will charge an Overdraft Paid Fee of $36.00 for each overdraft item we pay on your behalf. Whether we”
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Old Fort, OH · 1 branch here
Bank · based in Cincinnati, OH · 1 branch here
Account not yet known
“Paid OD Charge | $30.00 per item*”
Bank · based in The Woodlands, TX · 1 branch here
Account not yet known
“One (1) $32 overdraft (OD) item fee is charged for each item that is paid.”
Largest banks by local bank deposits
Share of the $614 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Greene County
Deposits and branches cover the City of Xenia. Population and income cover Greene County, the county with most of Xenia'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 Greene County.
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