8 banks and credit unions have branches in Roy. The Bank Fee Index holds published fees for 8 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Utah
Roy counts institutions with a branch here, wherever headquartered. Utah counts institutions headquartered in the state.
Roy
5 institutions with a branch here
$5
Utah
20 institutions headquartered in Utah
$7.50
U.S.
2,744 institutions in the index
$10
Chosen as the fee whose Roy median sits furthest from Utah's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Roy with Utah 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
Roy
8 institutions with a branch here
$25
Utah
25 institutions headquartered in Utah
$25
U.S.
2,605 institutions in the index
$30
Roy covers every institution with a branch here, wherever it is headquartered. Utah covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
8 institutions, 8 with a published overdraft fee.
Credit union, membership rules apply · based in Riverdale, UT · 5 branches here
Account not yet known
“Overdraft Service Fee | $25.00 per presentment”
Credit union, membership rules apply · based in Ogden, UT · 2 branches here
Account not yet known
“Courtesy Pay | $22.00”
Bank · based in Ogden, UT · 1 branch here
Account not yet known
“Overdraft paid item fee | $25.00”
Bank · based in Salt Lake City, UT · 1 branch here
Account not yet known
“Overdraft Fee - Paid Items | $29.00”
Bank · based in Cleveland, OH · 1 branch here
Account not yet known
“$20.00 Overdraft Item (OD) Charge will apply to each item we pay when your end-of-day overdraft balance”
Bank · based in Cincinnati, OH · 1 branch here
Account not yet known
“• U.S. Bank will charge an Overdraft Paid Fee of $36.00 for each overdraft item we pay on your behalf. Whether we”
Credit union, membership rules apply · based in Gardena, CA · 1 branch here
Account not yet known
“Courtesy Pay of NSF item | $20.00 each”
Credit union, membership rules apply · based in Ogden, UT · 1 branch here
Account not yet known
“Overdraft Service Paid Item | $25”
Largest banks by local bank deposits
Share of the $224 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Weber County
Deposits and branches cover the City of Roy. Population and income cover Weber County, the county with most of Roy'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 Weber County.
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