9 banks and credit unions have branches in Harker Heights. The Bank Fee Index holds published fees for 6 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 Harker Heights median is within 10% of the Texas median on all 4 fees.
Harker Heights counts institutions with a branch here, wherever headquartered. Texas counts institutions headquartered in the state.
Pick a fee to compare Harker Heights 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 $19.50 to $35.
Median published overdraft fee
Harker Heights
5 institutions with a branch here
$32
Texas
219 institutions headquartered in Texas
$30
U.S.
2,605 institutions in the index
$30
Harker Heights 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 Killeen, TX · 3 branches here
Bank · based in Temple, TX · 1 branch here
Account not yet known
“ We will charge you a fee of up to $35 each time we pay an overdraft.”
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Henderson, TX · 1 branch here
Account not yet known
“Overdraft Fee* | $32.00”
Bank · based in Crawford, TX · 1 branch here
Bank · based in Moulton, TX · 1 branch here
Credit union, membership rules apply · based in Austin, TX · 1 branch here
Account not yet known
“PlusPay Overdraft Protection | $19.50 per item”
Credit union, membership rules apply · based in Vienna, VA · 1 branch here
Account not yet known
“†Standard Practices and Fees: We will charge a fee of $20 each time we pay an overdraft”
Credit union, membership rules apply · based in Mclean, VA · 1 branch here
Largest banks by local bank deposits
Share of the $542 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Bell County
Deposits and branches cover the City of Harker Heights. Population and income cover Bell County, the county with most of Harker Heights'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 Bell County.
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