7 banks and credit unions have branches in Shenandoah. The Bank Fee Index holds published fees for 6 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Texas
Shenandoah counts institutions with a branch here, wherever headquartered. Texas counts institutions headquartered in the state.
Shenandoah
5 institutions with a branch here
$10
Texas
166 institutions headquartered in Texas
$7.50
U.S.
1,903 institutions in the index
$7
Chosen as the fee whose Shenandoah median sits furthest from Texas's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Shenandoah 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
Shenandoah
6 institutions with a branch here
$30
Texas
219 institutions headquartered in Texas
$30
U.S.
2,605 institutions in the index
$30
Shenandoah 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.
7 institutions, 6 with a published overdraft fee.
Bank · based in Cincinnati, OH · 1 branch here
Account not yet known
“If Overdraft Coverage is used, the per item fee for each overdraft is $37 per item.”
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“Overdraft Fee | $15.00 Per overdraft item. No overdraft fees unless final account”
Bank · based in Charlotte, NC · 1 branch here
Account not yet known
“• Truist will charge you an Overdraft Fee, if applicable, of $36 each time we pay an overdraft on your behalf.”
Bank · based in University Park, TX · 1 branch here
Account not yet known
“Overdraft Item Fee (per item) | $30”
Bank · based in Dallas, TX · 1 branch here
Bank · based in Tyler, TX · 1 branch here
Account not yet known
“A Paid Overdraft Item Fee of $30 will be assessed for each withdrawal that is paid into the overdraft by check, in-person withdrawal, ACH withdrawal, or other electronic means”
Credit union, membership rules apply · based in Dallas, TX · 1 branch here
Account not yet known
“Check Clear ® Courtesy Overdraft (per presentment) … $10”
Largest banks by local bank deposits
Share of the $216 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Montgomery County
Deposits and branches cover the City of Shenandoah. Population and income cover Montgomery County, the county with most of Shenandoah'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 Montgomery County.
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