18 banks and credit unions have branches in San Marcos. The Bank Fee Index holds published fees for 12 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Texas
San Marcos counts institutions with a branch here, wherever headquartered. Texas counts institutions headquartered in the state.
San Marcos
5 institutions with a branch here
$5
Texas
219 institutions headquartered in Texas
$7.50
U.S.
2,744 institutions in the index
$10
Chosen as the fee whose San Marcos median sits furthest from Texas's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare San Marcos 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 $36.
Median published overdraft fee
San Marcos
12 institutions with a branch here
$33.25
Texas
219 institutions headquartered in Texas
$30
U.S.
2,605 institutions in the index
$30
San Marcos 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.
18 institutions, 12 with a published overdraft fee.
Bank · based in San Antonio, TX · 3 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”
Bank · based in Ozona, TX · 2 branches here
Credit union, membership rules apply · based in Austin, TX · 2 branches here
Account not yet known
“PlusPay Overdraft Protection | $19.50 per item”
Credit union, membership rules apply · based in Universal City, TX · 2 branches here
Account not yet known
“$24 per item for | the “Overdrafts and Overdraft Protection” section”
Credit union, membership rules apply · based in Austin, TX · 2 branches here
Account not yet known
“Courtesy Pay Item | $35.00”
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 Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Gonzales, TX · 1 branch here
Bank · based in Harlingen, TX · 1 branch here
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.”
Largest banks by local bank deposits
Share of the $1.4 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Hays County
Deposits and branches cover the City of San Marcos. Population and income cover Hays County, the county with most of San Marcos'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 Hays County.
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