13 banks and credit unions have branches in Fredericksburg. The Bank Fee Index holds published fees for 8 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Texas
Fredericksburg counts institutions with a branch here, wherever headquartered. Texas counts institutions headquartered in the state.
Fredericksburg
7 institutions with a branch here
$0
Texas
251 institutions headquartered in Texas
$30
U.S.
2,857 institutions in the index
$30
Chosen as the fee whose Fredericksburg median sits furthest from Texas's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Fredericksburg 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 $32 to $36.
Median published overdraft fee
Fredericksburg
8 institutions with a branch here
$35
Texas
219 institutions headquartered in Texas
$30
U.S.
2,605 institutions in the index
$30
Fredericksburg 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.
13 institutions, 8 with a published overdraft fee.
Bank · based in Fredericksburg, TX · 3 branches here
Bank · based in Durant, OK · 2 branches here
Account not yet known
“Overdraft Item Charge (per item) … $35”
Bank · based in El Campo, TX · 2 branches here
Account not yet known
“- Overdraft Charge, each item … $35”
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Conway, AR · 1 branch here
Account not yet known
“Overdraft Fee* $35.00 per paid item”
Bank · based in Llano, TX · 1 branch here
Bank · based in San Antonio, TX · 1 branch here
Account not yet known
“Overdraft fee | $35.00/item”
Bank · based in Kerrville, TX · 1 branch here
Bank · based in Harlingen, TX · 1 branch here
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Largest banks by local bank deposits
Share of the $1.6 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Gillespie County
Deposits and branches cover the City of Fredericksburg. Population and income cover Gillespie County, the county with most of Fredericksburg'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 Gillespie County.
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