8 banks and credit unions have branches in Desoto. 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 Texas
Desoto counts institutions with a branch here, wherever headquartered. Texas counts institutions headquartered in the state.
Desoto
6 institutions with a branch here
$2.50
Texas
155 institutions headquartered in Texas
$1.50
U.S.
1,651 institutions in the index
$1.50
Chosen as the fee whose Desoto median sits furthest from Texas's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Desoto 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 $10 to $36.
Median published overdraft fee
Desoto
7 institutions with a branch here
$34
Texas
219 institutions headquartered in Texas
$30
U.S.
2,605 institutions in the index
$30
Desoto 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.
8 institutions, 7 with a published overdraft fee.
Bank · based in Charlotte, NC · 2 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Columbus, OH · 2 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Killeen, TX · 2 branches here
Bank · based in University Park, TX · 1 branch here
Account not yet known
“Overdraft Item Fee (per item) | $30”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Charlotte, NC · 1 branch 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 Allen, TX · 1 branch here
Account not yet known
“PRIVILEGE PAY OVERDRAFTING FEE | g$35.00”
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 $654 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Dallas County
Deposits and branches cover the City of Desoto. Population and income cover Dallas County, the county with most of Desoto'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 Dallas County.
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