12 banks and credit unions have branches in Texas City. The Bank Fee Index holds published fees for 10 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Texas
Texas City counts institutions with a branch here, wherever headquartered. Texas counts institutions headquartered in the state.
Texas City
7 institutions with a branch here
$5
Texas
219 institutions headquartered in Texas
$7.50
U.S.
2,745 institutions in the index
$10
Chosen as the fee whose Texas City median sits furthest from Texas's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Texas City 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 $20 to $36.
Median published overdraft fee
Texas City
10 institutions with a branch here
$31
Texas
219 institutions headquartered in Texas
$30
U.S.
2,603 institutions in the index
$30
Texas City 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.
12 institutions, 10 with a published overdraft fee.
Credit union, membership rules apply · based in Texas City, TX · 3 branches here
Account not yet known
“Overdraft Courtesy | $20.00 per item”
Credit union, membership rules apply · based in Texas City, TX · 2 branches here
Bank · based in Texas City, TX · 1 branch here
Account not yet known
“Cost | Overdraft . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .”
Bank · based in Baton Rouge, LA · 1 branch here
Bank · based in Birmingham, AL · 1 branch here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Galveston, TX · 1 branch here
Account not yet known
“Overdraft Item Charge $35”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per 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”
Credit union, membership rules apply · based in League City, TX · 1 branch here
Account not yet known
“Courtesy Pay | $30.00 per occurrence”
Credit union, membership rules apply · based in Houston, TX · 1 branch here
Account not yet known
“Overdraft Fee (Per Presentment) | $25.00”
Largest banks by local bank deposits
Share of the $511 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Galveston County
Deposits and branches cover the City of Texas City. Population and income cover Galveston County, the county with most of Texas City'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 Galveston County.
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