7 banks and credit unions have branches in Lancaster. The Bank Fee Index holds published fees for 5 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Texas
Lancaster counts institutions with a branch here, wherever headquartered. Texas counts institutions headquartered in the state.
Lancaster
5 institutions with a branch here
$9.99
Texas
166 institutions headquartered in Texas
$7.50
U.S.
1,902 institutions in the index
$7
Chosen as the fee whose Lancaster median sits furthest from Texas's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Lancaster with Texas and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Three published overdraft fees: $34–$36.
Medians for reference: Texas $30 · U.S. $30
Local median not shown; five institutions required.
7 institutions, 3 with a published overdraft fee.
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Birmingham, AL · 1 branch here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Killeen, TX · 1 branch here
Credit union, membership rules apply · based in Garland, TX · 1 branch here
Credit union, membership rules apply · based in lancaster, TX · 1 branch here
Credit union, membership rules apply · based in Mesquite, TX · 1 branch here
Credit union, membership rules apply · based in Dallas, TX · 1 branch here
Account not yet known
“Courtesy Pay ACH or Check Item … $34 per item”
Largest banks by local bank deposits
Share of the $162 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 Lancaster. Population and income cover Dallas County, the county with most of Lancaster'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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