18 banks and credit unions have branches in the Winchester metro area. The Bank Fee Index holds published fees for 10 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Virginia
Winchester metro counts institutions with a branch here, wherever headquartered. Virginia counts institutions headquartered in the state.
Winchester metro
5 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 Winchester metro median sits furthest from Virginia's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Winchester 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 $20 to $36.
Median published overdraft fee
Winchester metro
9 institutions with a branch here
$32
Virginia
60 institutions headquartered in Virginia
$30
U.S.
2,605 institutions in the index
$30
Winchester 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.
18 institutions, 9 with a published overdraft fee.
Bank · based in Berryville, VA · 7 branches here
Bank · based in Romney, WV · 6 branches here
Bank · based in Romney, WV · 6 branches here
Bank · based in Fairfax, VA · 5 branches here
Account not yet known
“Overdrafts Overdrafts fee (per item) … $36”
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 Sioux Falls, SD · 3 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 Strasburg, VA · 3 branches here
Bank · based in Wardensville, WV · 3 branches here
Bank · based in Timberville, VA · 3 branches here
Bank · based in Charleston, WV · 2 branches here
Largest banks by local bank deposits
Share of the $3.5 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Winchester metro's counties
Deposits and branches cover the Winchester 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.
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