7 banks and credit unions have branches in Shippensburg. The Bank Fee Index holds published fees for 7 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Pennsylvania
Shippensburg counts institutions with a branch here, wherever headquartered. Pennsylvania counts institutions headquartered in the state.
Shippensburg
6 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 Shippensburg median sits furthest from Pennsylvania's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Shippensburg 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
Shippensburg
5 institutions with a branch here
$32
Pennsylvania
119 institutions headquartered in Pennsylvania
$30
U.S.
2,603 institutions in the index
$30
Shippensburg 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.
7 institutions, 5 with a published overdraft fee.
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 Buffalo, NY · 2 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 Chambersburg, PA · 1 branch here
Account not yet known
“Overdrafts (per item) … $36.00”
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 Enola, PA · 1 branch here
Credit union, membership rules apply · based in Chambersburg, PA · 1 branch here
Credit union, membership rules apply · based in Harrisburg, PA · 1 branch here
Account not yet known
“Overdraft fees averaging $30*”
Largest banks by local bank deposits
Share of the $577 million 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 Shippensburg. Population and income cover Cumberland County, the county with most of Shippensburg'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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