5 banks and credit unions have branches in Chelsea. The Bank Fee Index holds published fees for 5 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Alabama
Chelsea counts institutions with a branch here, wherever headquartered. Alabama counts institutions headquartered in the state.
Chelsea
5 institutions with a branch here
$25
Alabama
67 institutions headquartered in Alabama
$30
U.S.
3,350 institutions in the index
$27.50
Chosen as the fee whose Chelsea median sits furthest from Alabama's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Chelsea with Alabama and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Four published overdraft fees: $25–$36.
Medians for reference: Alabama $30 · U.S. $30
Local median not shown; five institutions required.
5 institutions, 4 with a published overdraft fee.
Bank · based in Birmingham, AL · 1 branch here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Tupelo, MS · 1 branch here
Credit union, membership rules apply · based in Birmingham, AL · 1 branch here
Account not yet known
“Courtesy Pay Fee - Overdrawn $10.01 or more | $30/occurrence”
Credit union, membership rules apply · based in Childersburg, AL · 1 branch here
Account not yet known
“Overdraft | $28.00/Presentment*”
Credit union, membership rules apply · based in Birmingham, AL · 1 branch here
Account not yet known
“Debit Card Overdraft | $25.00/Item”
Largest banks by local bank deposits
Share of the $149 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Shelby County
Deposits and branches cover the City of Chelsea. Population and income cover Shelby County, the county with most of Chelsea'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 Shelby County.
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