6 banks and credit unions have branches in Lockhart. The Bank Fee Index holds published fees for 4 of them.
The count includes institutions based elsewhere that have a branch here.
Medians for reference: Texas $30 · U.S. $30
Local median not shown; five institutions required.
Pick a fee to compare Lockhart with Texas and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
6 institutions, 4 with a published overdraft fee.
Bank · based in Lockhart, TX · 1 branch here
Account not yet known
“We may approve certain transactions that overdraw your account. An overdraft fee of $32.50 may be charged for each transaction that overdraws your account. There is a limit of $97.”
Bank · based in Little Rock, AR · 1 branch here
Account not yet known
“An overdraft fee of $35 per item will apply, whether the overdraft is caused by check, in-person withdrawal, or electronic means.”
Bank · based in Gonzales, TX · 1 branch here
Bank · based in Killeen, TX · 1 branch here
Credit union, membership rules apply · based in Austin, TX · 1 branch here
ATM/VISA Debit Card/ACH/Share Draft Overdraft Courtesy
“ATM/VISA Debit Card/ACH/Share Draft Overdraft Courtesy Fee | $27.50 per item”
Credit union, membership rules apply · based in Universal City, TX · 1 branch here
Account not yet known
“$24 per item for | the “Overdrafts and Overdraft Protection” section”
Largest banks by local bank deposits
Share of the $437 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Caldwell County
Deposits and branches cover the City of Lockhart. Population and income cover Caldwell County, the county with most of Lockhart'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 Caldwell County.
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