8 banks and credit unions have branches in Port Townsend. The Bank Fee Index holds published fees for 7 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Washington
Port Townsend counts institutions with a branch here, wherever headquartered. Washington counts institutions headquartered in the state.
Port Townsend
6 institutions with a branch here
$8.50
Washington
31 institutions headquartered in Washington
$7
U.S.
1,903 institutions in the index
$7
Chosen as the fee whose Port Townsend median sits furthest from Washington's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Port Townsend 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 $27 to $36.
Median published overdraft fee
Port Townsend
6 institutions with a branch here
$34
Washington
48 institutions headquartered in Washington
$28.50
U.S.
2,605 institutions in the index
$30
Port Townsend 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.
Bank · based in Port Angeles, WA · 1 branch here
Bank · based in Mountlake Terrace, WA · 1 branch here
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
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”
Credit union, membership rules apply · based in Bremerton, WA · 1 branch here
Account not yet known
“Courtesy Pay $27.00 per transaction (maximum number of fees charged per day is six (6))”
Credit union, membership rules apply · based in Shelton, WA · 1 branch here
Account not yet known
“Service Courtesy Pay Overdraft (per transaction greater than $5) | Fee $28.00 ea”
Largest banks by local bank deposits
Share of the $704 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Jefferson County
Deposits and branches cover the City of Port Townsend. Population and income cover Jefferson County, the county with most of Port Townsend'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 Jefferson County.
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