10 banks and credit unions have branches in Schertz. The Bank Fee Index holds published fees for 9 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Texas
Schertz counts institutions with a branch here, wherever headquartered. Texas counts institutions headquartered in the state.
Schertz
6 institutions with a branch here
$25
Texas
211 institutions headquartered in Texas
$20
U.S.
2,630 institutions in the index
$25
Chosen as the fee whose Schertz median sits furthest from Texas's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Schertz 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.
Median published overdraft fee
Schertz
9 institutions with a branch here
$32.50
Texas
219 institutions headquartered in Texas
$30
U.S.
2,605 institutions in the index
$30
Schertz 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.
10 institutions, 9 with a published overdraft fee.
Bank · based in Schertz, TX · 2 branches here
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”
Bank · based in San Antonio, TX · 1 branch here
Account not yet known
“Overdraft fee | $35.00/item”
Bank · based in San Antonio, TX · 1 branch 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 Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Durant, OK · 1 branch here
Account not yet known
“Overdraft Item Charge (per item) … $35”
Bank · based in Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in The Woodlands, TX · 1 branch here
Account not yet known
“One (1) $32 overdraft (OD) item fee is charged for each item that is paid.”
Credit union, membership rules apply · based in San Antonio, TX · 1 branch here
Account not yet known
“Overdraft (OD) Fee $32.50”
Credit union, membership rules apply · based in San Antonio, TX · 1 branch here
Account not yet known
“Courtesy Pay per debit as applicable $29.00”
Largest banks by local bank deposits
Share of the $1.3 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Guadalupe County
Deposits and branches cover the City of Schertz. Population and income cover Guadalupe County, the county with most of Schertz'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 Guadalupe County.
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