47 banks and credit unions have branches in the Waco metro area. The Bank Fee Index holds published fees for 23 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Texas
Waco metro counts institutions with a branch here, wherever headquartered. Texas counts institutions headquartered in the state.
Waco metro
12 institutions with a branch here
$2.25
Texas
154 institutions headquartered in Texas
$1.50
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Waco metro median sits furthest from Texas's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Waco metro 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
Waco metro
17 institutions with a branch here
$32
Texas
219 institutions headquartered in Texas
$30
U.S.
2,605 institutions in the index
$30
Waco metro 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.
47 institutions, 17 with a published overdraft fee.
Bank · based in Columbus, OH · 7 branches here
Account not yet known
“Overdraft Fee | $15.00 Per overdraft item. No overdraft fees unless final account”
Bank · based in Mc Gregor, TX · 6 branches here
Credit union, membership rules apply · based in Waco, TX · 6 branches here
Account not yet known
“Overdraft Paid by Over Draft Protection (OD) | $28.00”
Bank · based in Killeen, TX · 5 branches here
Bank · based in Waco, TX · 4 branches here
Bank · based in Waco, TX · 4 branches here
Bank · based in Waco, TX · 4 branches here
Bank · based in Wilmington, DE · 4 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Valley Mills, TX · 4 branches here
Bank · based in West, TX · 4 branches here
Largest banks by local bank deposits
Share of the $8.9 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Waco metro's counties
Deposits and branches cover the Waco metro. Population and income cover the metro's counties. 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
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for the metro's counties.
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