20 banks and credit unions have branches in Fredericksburg. The Bank Fee Index holds published fees for 17 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Virginia
Fredericksburg counts institutions with a branch here, wherever headquartered. Virginia counts institutions headquartered in the state.
Fredericksburg
9 institutions with a branch here
$5
Virginia
58 institutions headquartered in Virginia
$10
U.S.
2,744 institutions in the index
$10
Chosen as the fee whose Fredericksburg median sits furthest from Virginia's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Fredericksburg with Virginia 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 $36.
Median published overdraft fee
Fredericksburg
14 institutions with a branch here
$33
Virginia
60 institutions headquartered in Virginia
$30
U.S.
2,605 institutions in the index
$30
Fredericksburg covers every institution with a branch here, wherever it is headquartered. Virginia covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
20 institutions, 14 with a published overdraft fee.
Bank · based in Richmond City, VA · 6 branches here
Bank · based in Sioux Falls, SD · 5 branches here
Account not yet known
“Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we char”
Bank · based in Charlotte, NC · 4 branches 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 Wilmington, DE · 4 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Charlotte, NC · 3 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Alexandria, VA · 3 branches here
Account not yet known
“Overdraft Fee and Returned Item Fee* | $32.00”
Bank · based in Fairfax, VA · 3 branches here
Account not yet known
“Overdrafts Overdrafts fee (per item) … $36”
Bank · based in Columbus, OH · 3 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Credit union, membership rules apply · based in Vienna, VA · 3 branches here
Account not yet known
“†Standard Practices and Fees: We will charge a fee of $20 each time we pay an overdraft”
Credit union, membership rules apply · based in Richmond, VA · 3 branches here
Account not yet known
“Each additional item is ............................................................................................................................................................”
Largest banks by local bank deposits
Share of the $4.5 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Spotsylvania County
Deposits and branches cover the City of Fredericksburg. Population and income cover Spotsylvania County, the county with most of Fredericksburg'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 Spotsylvania County.
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