14 banks and credit unions have branches in Reading. 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
Reading counts institutions with a branch here, wherever headquartered. Pennsylvania counts institutions headquartered in the state.
Reading
8 institutions with a branch here
$13.48
Pennsylvania
68 institutions headquartered in Pennsylvania
$5
U.S.
1,902 institutions in the index
$7
Chosen as the fee whose Reading median sits furthest from Pennsylvania's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Reading 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 $39.
Median published overdraft fee
Reading
8 institutions with a branch here
$35
Pennsylvania
118 institutions headquartered in Pennsylvania
$30
U.S.
2,601 institutions in the index
$30
Reading 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, 8 with a published overdraft fee.
Bank · based in Wilmington, DE · 4 branches here
Account not yet known
“Insufficient Funds Fee – Item Paid | $15”
Bank · based in Sioux Falls, SD · 4 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 Buffalo, NY · 4 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 Lancaster, PA · 3 branches here
Account not yet known
“Overdraft Fee 6 (per item paid) | $39.00 | Per Item”
Bank · based in Providence, RI · 3 branches here
Account not yet known
“Overdraft Fee | $35 Per item paid if your account is overdrawn”
Credit union, membership rules apply · based in Endicott, NY · 3 branches here
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 Ithaca, NY · 2 branches here
Account not yet known
“»Overdraft Fee ‐ Paid* $38.00 per transaction”
Bank · based in Charlotte, NC · 2 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 Reading, PA · 2 branches here
Largest banks by local bank deposits
Share of the $2.9 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Berks County
Deposits and branches cover the City of Reading. Population and income cover Berks County, the county with most of Reading'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 Berks County.
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