22 banks and credit unions have branches in the Wichita Falls metro area. The Bank Fee Index holds published fees for 11 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Texas
Wichita Falls metro counts institutions with a branch here, wherever headquartered. Texas counts institutions headquartered in the state.
Wichita Falls metro
6 institutions with a branch here
$2.75
Texas
154 institutions headquartered in Texas
$1.50
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Wichita Falls metro median sits furthest from Texas's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Wichita Falls metro 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
Wichita Falls metro
8 institutions with a branch here
$27.50
Texas
219 institutions headquartered in Texas
$30
U.S.
2,605 institutions in the index
$30
Wichita Falls metro 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.
22 institutions, 8 with a published overdraft fee.
Bank · based in El Campo, TX · 6 branches here
Account not yet known
“- Overdraft Charge, each item … $35”
Bank · based in Wichita Falls, TX · 5 branches here
Bank · based in Burkburnett, TX · 5 branches here
Bank · based in Pittsburg, TX · 5 branches here
Account not yet known
“*Nonsufficient (NSF) item paid fee (each) | $15”
Credit union, membership rules apply · based in Wichita Falls, TX · 5 branches here
Account not yet known
assessed for transactions paid when no other overdraft protection available; automatically added to consumer accounts
Bank · based in Killeen, TX · 3 branches here
Credit union, membership rules apply · based in Wichita Falls, TX · 3 branches here
Credit union, membership rules apply · based in Wichita Falls, TX · 3 branches here
Bank · based in Baton Rouge, LA · 2 branches here
Bank · based in Sioux Falls, SD · 2 branches 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”
Largest banks by local bank deposits
Share of the $4.3 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Wichita Falls metro's counties
Deposits and branches cover the Wichita Falls metro. Population and income cover the metro's counties. 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
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for the metro's counties.
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