68 banks and credit unions have branches in Philadelphia. The Bank Fee Index holds published fees for 40 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Pennsylvania
Philadelphia counts institutions with a branch here, wherever headquartered. Pennsylvania counts institutions headquartered in the state.
Philadelphia
25 institutions with a branch here
$10
Pennsylvania
68 institutions headquartered in Pennsylvania
$5
U.S.
1,901 institutions in the index
$7
Chosen as the fee whose Philadelphia median sits furthest from Pennsylvania's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Philadelphia 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 $10 to $39.
Median published overdraft fee
Philadelphia
32 institutions with a branch here
$33.50
Pennsylvania
119 institutions headquartered in Pennsylvania
$30
U.S.
2,603 institutions in the index
$30
Philadelphia 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.
68 institutions, 32 with a published overdraft fee.
Bank · based in Providence, RI · 35 branches here
Account not yet known
“Overdraft Fee | $35 Per item paid if your account is overdrawn”
Bank · based in Wilmington, DE · 34 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Sioux Falls, SD · 31 branches 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 Wilmington, DE · 19 branches here
Account not yet known
“$35 fee per overdraft”
Bank · based in Columbus, OH · 19 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Charlotte, NC · 16 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Credit union, membership rules apply · based in Philadelphia, PA · 14 branches here
Account not yet known
“Overdraft Privilege | $10 per presentment fee for resulting negative balance less than or equal to $25; $15 per presentment fee for resulting negative balance greater than $25.”
Bank · based in Lancaster, PA · 12 branches here
Account not yet known
“Overdraft Fee 6 (per item paid) | $39.00 | Per Item”
Credit union, membership rules apply · based in Philadelphia, PA · 12 branches here
Account not yet known
“Overdraft Privilege $28 per item Check”
Bank · based in Wilmington, DE · 11 branches here
Account not yet known
“Insufficient Funds Fee – Item Paid | $15”
Largest banks by local bank deposits
Share of the $74.9 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Philadelphia County
Deposits and branches cover the City of Philadelphia. Population and income cover Philadelphia County, the county with most of Philadelphia'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 Philadelphia County.
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