11 banks and credit unions have branches in Gainesville. The Bank Fee Index holds published fees for 11 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Virginia
Gainesville counts institutions with a branch here, wherever headquartered. Virginia counts institutions headquartered in the state.
Gainesville
8 institutions with a branch here
$2
Virginia
48 institutions headquartered in Virginia
$1.25
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Gainesville median sits furthest from Virginia's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Gainesville 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 $0 to $36.
Median published overdraft fee
Gainesville
10 institutions with a branch here
$33.25
Virginia
60 institutions headquartered in Virginia
$30
U.S.
2,605 institutions in the index
$30
Gainesville 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.
11 institutions, 10 with a published overdraft fee.
Bank · based in McLean, VA · 2 branches here
Account not yet known
“No-Fee Overdraft | Free”
Bank · based in Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Sioux Falls, SD · 1 branch 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 · 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 Richmond City, VA · 1 branch here
Bank · based in Fairfax, VA · 1 branch here
Account not yet known
“Overdrafts Overdrafts fee (per item) … $36”
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Credit union, membership rules apply · based in Fairfax, VA · 1 branch here
Account not yet known
“Overdraft | Overdraft Penalty Fee $ 25 per overdraft covered by Credit Union advance”
Credit union, membership rules apply · based in Vienna, VA · 1 branch here
Account not yet known
“†Standard Practices and Fees: We will charge a fee of $20 each time we pay an overdraft”
Largest banks by local bank deposits
Share of the $1.1 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Prince William County
Deposits and branches cover the City of Gainesville. Population and income cover Prince William County, the county with most of Gainesville'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 Prince William County.
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