11 banks and credit unions have branches in Pharr. The Bank Fee Index holds published fees for 8 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Texas
Pharr counts institutions with a branch here, wherever headquartered. Texas counts institutions headquartered in the state.
Pharr
5 institutions with a branch here
$30
Texas
211 institutions headquartered in Texas
$20
U.S.
2,629 institutions in the index
$25
Chosen as the fee whose Pharr median sits furthest from Texas's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Pharr 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 $35.99.
Median published overdraft fee
Pharr
6 institutions with a branch here
$33.50
Texas
219 institutions headquartered in Texas
$30
U.S.
2,603 institutions in the index
$30
Pharr 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.
11 institutions, 6 with a published overdraft fee.
Bank · based in Pharr, TX · 2 branches here
Account not yet known
“Overdraft | Overdraft Item Fee - Paid* $35.99”
Bank · based in Brownsville, TX · 2 branches here
Account not yet known
“Overdraft fee (checks and other debits paid) … $35.00 ea.”
Credit union, membership rules apply · based in Pharr, TX · 2 branches here
Bank · based in Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Sioux Falls, SD · 1 branch 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 University Park, TX · 1 branch here
Account not yet known
“Overdraft Item Fee (per item) | $30”
Bank · based in Mcallen, TX · 1 branch here
Bank · based in Killeen, TX · 1 branch here
Credit union, membership rules apply · based in Mcallen, TX · 1 branch here
Credit union, membership rules apply · based in Corpus Christi, TX · 1 branch here
Largest banks by local bank deposits
Share of the $627 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Hidalgo County
Deposits and branches cover the City of Pharr. Population and income cover Hidalgo County, the county with most of Pharr'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 Hidalgo County.
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