24 banks and credit unions have branches in Mckinney. The Bank Fee Index holds published fees for 20 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Texas
Mckinney counts institutions with a branch here, wherever headquartered. Texas counts institutions headquartered in the state.
Mckinney
17 institutions with a branch here
$2.50
Texas
154 institutions headquartered in Texas
$1.50
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Mckinney median sits furthest from Texas's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Mckinney 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 $10 to $38.
Median published overdraft fee
Mckinney
20 institutions with a branch here
$35
Texas
219 institutions headquartered in Texas
$30
U.S.
2,605 institutions in the index
$30
Mckinney 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.
24 institutions, 20 with a published overdraft fee.
Bank · based in Columbus, OH · 7 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Sioux Falls, SD · 5 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 Wilmington, DE · 5 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Winter Haven, FL · 4 branches here
Account not yet known
“| Overdraft Paid Item Fee (Checks paid in numerical order on day received. An overdraft item may be created by check/draft, in-person withdrawal, ACH item or other electronic means”
Bank · based in Charlotte, NC · 4 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in El Campo, TX · 3 branches here
Account not yet known
“- Overdraft Charge, each item … $35”
Bank · based in The Woodlands, TX · 3 branches here
Account not yet known
“One (1) $32 overdraft (OD) item fee is charged for each item that is paid.”
Bank · based in Durant, OK · 2 branches here
Account not yet known
“Overdraft Item Charge (per item) … $35”
Bank · based in San Antonio, TX · 2 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”
Credit union, membership rules apply · based in Allen, TX · 2 branches here
Account not yet known
“PRIVILEGE PAY OVERDRAFTING FEE | g$35.00”
Largest banks by local bank deposits
Share of the $5.7 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Collin County
Deposits and branches cover the City of Mckinney. Population and income cover Collin County, the county with most of Mckinney'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 Collin County.
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