26 banks and credit unions have branches in the Lynchburg metro area. The Bank Fee Index holds published fees for 20 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Virginia
Lynchburg metro counts institutions with a branch here, wherever headquartered. Virginia counts institutions headquartered in the state.
Lynchburg metro
15 institutions with a branch here
$10
Virginia
36 institutions headquartered in Virginia
$7.99
U.S.
1,904 institutions in the index
$7
Chosen as the fee whose Lynchburg metro median sits furthest from Virginia's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Lynchburg metro 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 $38.
Median published overdraft fee
Lynchburg metro
16 institutions with a branch here
$35
Virginia
60 institutions headquartered in Virginia
$30
U.S.
2,605 institutions in the index
$30
Lynchburg metro 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.
26 institutions, 16 with a published overdraft fee.
Bank · based in Lynchburg, VA · 13 branches here
Bank · based in Charlotte, NC · 11 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 Altavista, VA · 11 branches here
Bank · based in Sioux Falls, SD · 7 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 Martinsville, VA · 6 branches here
Credit union, membership rules apply · based in Lynchburg, VA · 6 branches here
Account not yet known
“Overdraft Priviledge Fee … $35.00”
Credit union, membership rules apply · based in Lynchburg, VA · 5 branches here
Account not yet known
“Overdraft Privilege Fee $35.00 per occurrence”
Bank · based in Richmond City, VA · 4 branches here
Bank · based in Forest, VA · 4 branches here
Bank · based in Appomattox, VA · 4 branches here
Account not yet known
“Overdraft/Returned Item Fee | $35.00”
Largest banks by local bank deposits
Share of the $6.2 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Lynchburg metro's counties
Deposits and branches cover the Lynchburg metro. Population and income cover the metro's counties. 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
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for the metro's counties.
Work at a bank or credit union here?
Hamilton, the Fee Insight workspace, sets an institution's own fees beside every institution in this market, with the source for each figure.
Choosing an account?
Open any institution above to see all of its published fees and where each one came from.
Search institutions