26 banks and credit unions have branches in the Florence-Muscle Shoals metro area. The Bank Fee Index holds published fees for 17 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Alabama
Florence-Muscle Shoals metro counts institutions with a branch here, wherever headquartered. Alabama counts institutions headquartered in the state.
Florence-Muscle Shoals metro
9 institutions with a branch here
$2
Alabama
30 institutions headquartered in Alabama
$1
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Florence-Muscle Shoals metro median sits furthest from Alabama's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Florence-Muscle Shoals metro with Alabama 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
Florence-Muscle Shoals metro
13 institutions with a branch here
$35
Alabama
56 institutions headquartered in Alabama
$30
U.S.
2,605 institutions in the index
$30
Florence-Muscle Shoals metro covers every institution with a branch here, wherever it is headquartered. Alabama covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
26 institutions, 13 with a published overdraft fee.
Bank · based in Sheffield, AL · 15 branches here
Account not yet known
“We will charge an NSF/Overdraft fee of $36 for each presentment that overdraws your account”
Credit union, membership rules apply · based in Sheffield, AL · 9 branches here
Account not yet known
“Overdraft Fee of $32 per item paid”
Bank · based in Muscle Shoals, AL · 8 branches here
Account not yet known
“Overdraft Fee $33.00 (this fee may be imposed by any of the following:check, in-person”
Credit union, membership rules apply · based in Muscle Shoals, AL · 8 branches here
Credit union, membership rules apply · based in Tuscumbia, AL · 6 branches here
Bank · based in Russellville, AL · 5 branches here
Account not yet known
“Overdraft Fee/Return Item Fee | $33.97”
Bank · based in Florence, AL · 4 branches here
Bank · based in Birmingham, AL · 4 branches here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Wilmington, DE · 3 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Credit union, membership rules apply · based in Birmingham, AL · 3 branches here
Largest banks by local bank deposits
Share of the $3.9 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Florence-Muscle Shoals metro's counties
Deposits and branches cover the Florence-Muscle Shoals metro. Population and income cover the metro's counties. 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
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for the metro's counties.
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