31 banks and credit unions have branches in Richardson. The Bank Fee Index holds published fees for 19 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Texas
Richardson counts institutions with a branch here, wherever headquartered. Texas counts institutions headquartered in the state.
Richardson
13 institutions with a branch here
$10
Texas
252 institutions headquartered in Texas
$30
U.S.
2,859 institutions in the index
$30
Chosen as the fee whose Richardson median sits furthest from Texas's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Richardson 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 $37.
Median published overdraft fee
Richardson
18 institutions with a branch here
$34.50
Texas
218 institutions headquartered in Texas
$30
U.S.
2,600 institutions in the index
$30
Richardson 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.
31 institutions, 18 with a published overdraft fee.
Bank · based in Columbus, OH · 5 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Charlotte, NC · 4 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Wilmington, DE · 3 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in El Campo, TX · 2 branches here
Account not yet known
“- Overdraft Charge, each item … $35”
Bank · based in Cincinnati, OH · 2 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 Sioux Falls, SD · 2 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 Killeen, TX · 2 branches here
Credit union, membership rules apply · based in Allen, TX · 2 branches here
Account not yet known
“PRIVILEGE PAY OVERDRAFTING FEE | g$35.00”
Bank · based in Dallas, TX · 1 branch here
Bank · based in Longview, TX · 1 branch here
Largest banks by local bank deposits
Share of the $6.3 billion 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 Richardson. Population and income cover Dallas County, the county with most of Richardson'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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