7 banks and credit unions have branches in Athens. The Bank Fee Index holds published fees for 5 of them.
The count includes institutions based elsewhere that have a branch here.
Compared with Texas
Where a fee has enough institutions for a local median, the Athens median is within 10% of the Texas median on all 1 fee.
Athens counts institutions with a branch here, wherever headquartered. Texas counts institutions headquartered in the state.
Pick a fee to compare Athens with Texas 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 $30 to $36.
Median published overdraft fee
Athens
5 institutions with a branch here
$32
Texas
219 institutions headquartered in Texas
$30
U.S.
2,605 institutions in the index
$30
Athens covers every institution with a branch here, wherever it is headquartered. Texas 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 Athens, TX · 3 branches here
Bank · based in El Campo, TX · 2 branches here
Account not yet known
“- Overdraft Charge, each item … $35”
Bank · based in Henderson, TX · 1 branch here
Account not yet known
“Overdraft Fee* | $32.00”
Bank · based in Pine Bluff, AR · 1 branch here
Account not yet known
“(including a second or subsequent request for payment), we may charge a Paid Item/Overdraft Fee of $36.00 per occurrence. However,”
Bank · based in Brownsboro, TX · 1 branch here
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 Mansfield, TX · 1 branch here
Account not yet known
“Overdraft Privilege Fee / $30.00”
Largest banks by local bank deposits
Share of the $759 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Henderson County
Deposits and branches cover the City of Athens. Population and income cover Henderson County, the county with most of Athens'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 Henderson County.
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