8 banks and credit unions have branches in Oak Harbor. The Bank Fee Index holds published fees for 8 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Washington
Oak Harbor counts institutions with a branch here, wherever headquartered. Washington counts institutions headquartered in the state.
Oak Harbor
7 institutions with a branch here
$34
Washington
61 institutions headquartered in Washington
$25
U.S.
3,350 institutions in the index
$27.50
Chosen as the fee whose Oak Harbor median sits furthest from Washington's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Oak Harbor 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 $20 to $36.
Median published overdraft fee
Oak Harbor
6 institutions with a branch here
$34.50
Washington
48 institutions headquartered in Washington
$28.50
U.S.
2,605 institutions in the index
$30
Oak Harbor 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.
8 institutions, 6 with a published overdraft fee.
Credit union, membership rules apply · based in Vienna, VA · 2 branches here
Account not yet known
“†Standard Practices and Fees: We will charge a fee of $20 each time we pay an overdraft”
Bank · based in Olympia, WA · 1 branch here
Account not yet known
“Insufficient funds/overdraft (each)4 | $34”
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 Cincinnati, OH · 1 branch 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 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”
Bank · based in Bellingham, WA · 1 branch here
Account not yet known
“Overdraft Item¹ (per item, per occurrence) | $35”
Credit union, membership rules apply · based in Anchorage, AK · 1 branch here
Credit union, membership rules apply · based in Tacoma, WA · 1 branch here
Largest banks by local bank deposits
Share of the $477 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Island County
Deposits and branches cover the City of Oak Harbor. Population and income cover Island County, the county with most of Oak Harbor'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 Island County.
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