13 banks and credit unions have branches in Richland. The Bank Fee Index holds published fees for 9 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Washington
Richland counts institutions with a branch here, wherever headquartered. Washington counts institutions headquartered in the state.
Richland
7 institutions with a branch here
$30
Washington
49 institutions headquartered in Washington
$20
U.S.
2,629 institutions in the index
$25
Chosen as the fee whose Richland median sits furthest from Washington's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Richland 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
Richland
7 institutions with a branch here
$30
Washington
48 institutions headquartered in Washington
$28.50
U.S.
2,603 institutions in the index
$30
Richland 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.
13 institutions, 7 with a published overdraft fee.
Credit union, membership rules apply · based in Richland, WA · 4 branches here
Credit union, membership rules apply · based in Richland, WA · 3 branches here
Bank · based in Columbus, OH · 2 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Roseburg, OR · 2 branches here
Credit union, membership rules apply · based in Liberty Lake, WA · 2 branches here
Account not yet known
“Overdraft fee (Privilege pay) | $29”
Bank · based in Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
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 Yakima, WA · 1 branch here
Bank · based in Walla Walla, WA · 1 branch here
Account not yet known
“Overdraft Item (based on available balance2) | $30.00”
Bank · based in Chicago, IL · 1 branch here
Largest banks by local bank deposits
Share of the $1.2 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Benton County
Deposits and branches cover the City of Richland. Population and income cover Benton County, the county with most of Richland'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 Benton County.
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