5 banks and credit unions have branches in Centralia. The Bank Fee Index holds published fees for 4 of them.
The count includes institutions based elsewhere that have a branch here.
Medians for reference: Washington $28.50 · U.S. $30
Local median not shown; five institutions required.
Pick a fee to compare Centralia with Washington and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
5 institutions, 4 with a published overdraft fee.
Credit union, membership rules apply · based in Richland, WA · 2 branches here
Credit union, membership rules apply · based in Olympia, WA · 2 branches here
Account not yet known
“Overdraft Service Fee $28 per 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 Seattle, WA · 1 branch here
Account not yet known
“Insufficient Funds Charge (Paid) | $30 Per Presentment§”
Bank · based in Cleveland, OH · 1 branch here
Account not yet known
“$20.00 Overdraft Item (OD) Charge will apply to each item we pay when your end-of-day overdraft balance”
Largest banks by local bank deposits
Share of the $230 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Lewis County
Deposits and branches cover the City of Centralia. Population and income cover Lewis County, the county with most of Centralia'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 Lewis County.
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