14 banks and credit unions have branches in the Chambersburg metro area. 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 Pennsylvania
Chambersburg metro counts institutions with a branch here, wherever headquartered. Pennsylvania counts institutions headquartered in the state.
Chambersburg metro
7 institutions with a branch here
$10
Pennsylvania
68 institutions headquartered in Pennsylvania
$5
U.S.
1,904 institutions in the index
$6.99
Chosen as the fee whose Chambersburg metro median sits furthest from Pennsylvania's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Chambersburg metro 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 metro
9 institutions with a branch here
$36
Pennsylvania
119 institutions headquartered in Pennsylvania
$30
U.S.
2,605 institutions in the index
$30
Chambersburg metro 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.
14 institutions, 9 with a published overdraft fee.
Bank · based in Chambersburg, PA · 12 branches here
Account not yet known
“Overdrafts (per item) … $36.00”
Bank · based in Buffalo, NY · 12 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 · 9 branches here
Bank · based in Harrisburg, PA · 5 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 · 4 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.”
Credit union, membership rules apply · based in Chambersburg, PA · 2 branches 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 · 2 branches here
Account not yet known
“Overdraft Fee (Also known as Enhanced ODP Fee) $32.00”
Bank · based in Middletown, MD · 1 branch here
Bank · based in Mifflintown, PA · 1 branch here
Account not yet known
“Overdraft Fee* $37.00”
Bank · based in Orbisonia, PA · 1 branch here
Largest banks by local bank deposits
Share of the $3.5 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Chambersburg metro's counties
Deposits and branches cover the Chambersburg 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
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 the metro's counties.
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