8 banks and credit unions have branches in Bedford. The Bank Fee Index holds published fees for 7 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Virginia
Bedford counts institutions with a branch here, wherever headquartered. Virginia counts institutions headquartered in the state.
Bedford
5 institutions with a branch here
$10
Virginia
36 institutions headquartered in Virginia
$7.99
U.S.
1,903 institutions in the index
$7
Chosen as the fee whose Bedford median sits furthest from Virginia's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Bedford with Virginia and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Four published overdraft fees: $25–$36.
Medians for reference: Virginia $30 · U.S. $30
Local median not shown; five institutions required.
8 institutions, 4 with a published overdraft fee.
Bank · based in Martinsville, VA · 2 branches here
Bank · based in Raleigh, NC · 2 branches here
Account not yet known
“| • Overdraft fee (item paid) … $25.00”
Bank · based in Richmond City, VA · 1 branch here
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 Lynchburg, VA · 1 branch here
Bank · based in Forest, VA · 1 branch here
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 Lynchburg, VA · 1 branch here
Account not yet known
“Overdraft Priviledge Fee … $35.00”
Largest banks by local bank deposits
Share of the $434 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Bedford County
Deposits and branches cover the City of Bedford. Population and income cover Bedford County, the county with most of Bedford'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 Bedford County.
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