17 banks and credit unions have branches in Mechanicsburg. 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 Pennsylvania
Mechanicsburg counts institutions with a branch here, wherever headquartered. Pennsylvania counts institutions headquartered in the state.
Mechanicsburg
10 institutions with a branch here
$11
Pennsylvania
68 institutions headquartered in Pennsylvania
$5
U.S.
1,901 institutions in the index
$7
Chosen as the fee whose Mechanicsburg median sits furthest from Pennsylvania's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Mechanicsburg 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
Mechanicsburg
13 institutions with a branch here
$35
Pennsylvania
119 institutions headquartered in Pennsylvania
$30
U.S.
2,603 institutions in the index
$30
Mechanicsburg 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.
17 institutions, 13 with a published overdraft fee.
Credit union, membership rules apply · based in Enola, PA · 4 branches here
Bank · based in Buffalo, NY · 3 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 Greenville, PA · 2 branches here
Account not yet known
“Overdrafts for checks, in-person withdrawals, automatic bill payments or other | $35.00 each”
Bank · based in Millersburg, PA · 2 branches here
Credit union, membership rules apply · based in Mechanicsburg, PA · 2 branches here
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Harrisburg, PA · 1 branch 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 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 Providence, RI · 1 branch here
Account not yet known
“Overdraft Fee | $35 Per item paid if your account is overdrawn”
Bank · based in Chambersburg, PA · 1 branch here
Account not yet known
“Overdrafts (per item) … $36.00”
Largest banks by local bank deposits
Share of the $1.6 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Cumberland County
Deposits and branches cover the City of Mechanicsburg. Population and income cover Cumberland County, the county with most of Mechanicsburg'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 Cumberland County.
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