22 banks and credit unions have branches in Federal Way. The Bank Fee Index holds published fees for 19 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Washington
Federal Way counts institutions with a branch here, wherever headquartered. Washington counts institutions headquartered in the state.
Federal Way
7 institutions with a branch here
$2
Washington
22 institutions headquartered in Washington
$3
U.S.
1,230 institutions in the index
$3
Chosen as the fee whose Federal Way median sits furthest from Washington's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Federal Way with Washington 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
Federal Way
14 institutions with a branch here
$29.50
Washington
48 institutions headquartered in Washington
$28.50
U.S.
2,605 institutions in the index
$30
Federal Way covers every institution with a branch here, wherever it is headquartered. Washington covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
22 institutions, 14 with a published overdraft fee.
Bank · based in Columbus, OH · 3 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Charlotte, NC · 2 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Sioux Falls, SD · 2 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 Cincinnati, OH · 2 branches here
Account not yet known
“• U.S. Bank will charge an Overdraft Paid Fee of $36.00 for each overdraft item we pay on your behalf. Whether we”
Bank · based in Roseburg, OR · 2 branches here
Bank · based in Cleveland, OH · 2 branches 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”
Credit union, membership rules apply · based in Tukwila, WA · 2 branches here
Bank · based in Los Angeles, CA · 1 branch here
Bank · based in Olympia, WA · 1 branch here
Account not yet known
“Insufficient funds/overdraft (each)4 | $34”
Bank · based in Walnut Creek, CA · 1 branch here
Account not yet known
“We will charge an Overdraft or Returned Item fee of $35 for any presented item greater than $10 that overdraws your account by more than $10 after posting all transactions at the e”
Largest banks by local bank deposits
Share of the $2.5 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: King County
Deposits and branches cover the City of Federal Way. Population and income cover King County, the county with most of Federal Way'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 King County.
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