9 banks and credit unions have branches in Decatur. The Bank Fee Index holds published fees for 6 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Texas
Decatur counts institutions with a branch here, wherever headquartered. Texas counts institutions headquartered in the state.
Decatur
5 institutions with a branch here
$9.95
Texas
166 institutions headquartered in Texas
$7.50
U.S.
1,904 institutions in the index
$6.99
Chosen as the fee whose Decatur median sits furthest from Texas's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Decatur 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 $15 to $35.
Median published overdraft fee
Decatur
5 institutions with a branch here
$32
Texas
219 institutions headquartered in Texas
$30
U.S.
2,605 institutions in the index
$30
Decatur 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.
9 institutions, 5 with a published overdraft fee.
Bank · based in Bowie, TX · 2 branches here
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 Abilene, TX · 1 branch here
Account not yet known
“Overdraft Item Fee (Maximum of 5 Charged Per Day on Consumer Accounts) | $35.00”
Bank · based in Gainesville, TX · 1 branch here
Bank · based in Brownwood, TX · 1 branch here
Account not yet known
“Please note that the $25.00 Overdraft Fee applies for each item, per presentment, paid against the”
Bank · based in Pittsburg, TX · 1 branch here
Account not yet known
“*Nonsufficient (NSF) item paid fee (each) | $15”
Bank · based in Wichita Falls, 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 Denton, TX · 1 branch here
Largest banks by local bank deposits
Share of the $720 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Wise County
Deposits and branches cover the City of Decatur. Population and income cover Wise County, the county with most of Decatur'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 Wise County.
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