5 banks and credit unions have branches in Whitesboro. The Bank Fee Index holds published fees for 3 of them.
The count includes institutions based elsewhere that have a branch here.
Medians for reference: Texas $30 · U.S. $30
Local median not shown; five institutions required.
Pick a fee to compare Whitesboro with Texas and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
5 institutions, 3 with a published overdraft fee.
Bank · based in Durant, OK · 1 branch here
Account not yet known
“Overdraft Item Charge (per item) … $35”
Bank · based in Gainesville, TX · 1 branch here
Bank · based in Bowie, TX · 1 branch here
Bank · based in Pine Bluff, AR · 1 branch here
Account not yet known
“(including a second or subsequent request for payment), we may charge a Paid Item/Overdraft Fee of $36.00 per occurrence. However,”
Credit union, membership rules apply · based in Gainesville, TX · 1 branch here
Account not yet known
“Debit Card Overdraft | $30.00 | per item”
Largest banks by local bank deposits
Share of the $415 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Grayson County
Deposits and branches cover the City of Whitesboro. Population and income cover Grayson County, the county with most of Whitesboro'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 Grayson County.
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