9 banks and credit unions have branches in Chambersburg. 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 Pennsylvania
Chambersburg counts institutions with a branch here, wherever headquartered. Pennsylvania counts institutions headquartered in the state.
Chambersburg
6 institutions with a branch here
$11
Pennsylvania
68 institutions headquartered in Pennsylvania
$5
U.S.
1,903 institutions in the index
$7
Chosen as the fee whose Chambersburg median sits furthest from Pennsylvania's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Chambersburg with Pennsylvania 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 $15 to $38.
Median published overdraft fee
Chambersburg
7 institutions with a branch here
$36
Pennsylvania
119 institutions headquartered in Pennsylvania
$30
U.S.
2,605 institutions in the index
$30
Chambersburg covers every institution with a branch here, wherever it is headquartered. Pennsylvania covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
9 institutions, 7 with a published overdraft fee.
Bank · based in Chambersburg, PA · 7 branches here
Account not yet known
“Overdrafts (per item) … $36.00”
Bank · based in Buffalo, NY · 6 branches here
Account not yet known
“Overdraft Fee | $15.00 for each overdraft item we pay, unless one of the following exceptions apply:”
Credit union, membership rules apply · based in Chambersburg, PA · 6 branches here
Bank · based in Harrisburg, PA · 2 branches here
Account not yet known
“Paid Overdraft Item - Consumer Accounts | $38.00 per item, maximum of $190.00 per day. Orrstown Bank does not charge an Overdraft fee on transactions of $5.00 or less.”
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 Gettysburg, PA · 1 branch here
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.”
Credit union, membership rules apply · based in Chambersburg, PA · 1 branch here
Account not yet known
“Overdraft Item (non-sufficient funds or overdraft item paid) | $36.00”
Credit union, membership rules apply · based in Corning, NY · 1 branch here
Account not yet known
“Overdraft Fee (Also known as Enhanced ODP Fee) $32.00”
Largest banks by local bank deposits
Share of the $1.9 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Franklin County
Deposits and branches cover the City of Chambersburg. Population and income cover Franklin County, the county with most of Chambersburg'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 Franklin County.
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