155 banks and credit unions have branches in Houston. The Bank Fee Index holds published fees for 99 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Texas
Houston counts institutions with a branch here, wherever headquartered. Texas counts institutions headquartered in the state.
Houston
59 institutions with a branch here
$2
Texas
154 institutions headquartered in Texas
$1.50
U.S.
1,650 institutions in the index
$1.50
Chosen as the fee whose Houston median sits furthest from Texas's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Houston 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 $0 to $37.
Median published overdraft fee
Houston
80 institutions with a branch here
$30
Texas
218 institutions headquartered in Texas
$30
U.S.
2,601 institutions in the index
$30
Houston 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.
155 institutions, 80 with a published overdraft fee.
Bank · based in Columbus, OH · 80 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Sioux Falls, SD · 63 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”
Bank · based in Charlotte, NC · 48 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in San Antonio, TX · 33 branches here
Account not yet known
“Overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means | $35 for each item we pay that overdraws your account by more than $100, up to a maximu”
Bank · based in Killeen, TX · 33 branches here
Bank · based in Wilmington, DE · 32 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Cincinnati, OH · 27 branches here
Account not yet known
“If Overdraft Coverage is used, the per item fee for each overdraft is $37 per item.”
Bank · based in The Woodlands, TX · 27 branches here
Account not yet known
“One (1) $32 overdraft (OD) item fee is charged for each item that is paid.”
Bank · based in El Campo, TX · 25 branches here
Account not yet known
“- Overdraft Charge, each item … $35”
Bank · based in Columbus, OH · 21 branches here
Account not yet known
“Overdraft Fee | $15.00 Per overdraft item. No overdraft fees unless final account”
Largest banks by local bank deposits
Share of the $273.1 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Harris County
Deposits and branches cover the City of Houston. Population and income cover Harris County, the county with most of Houston'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 Harris County.
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