22 banks and credit unions have branches in Florence. The Bank Fee Index holds published fees for 14 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Alabama
Florence counts institutions with a branch here, wherever headquartered. Alabama counts institutions headquartered in the state.
Florence
8 institutions with a branch here
$2.25
Alabama
30 institutions headquartered in Alabama
$1
U.S.
1,651 institutions in the index
$1.50
Chosen as the fee whose Florence median sits furthest from Alabama's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Florence 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 $32 to $36.
Median published overdraft fee
Florence
11 institutions with a branch here
$35
Alabama
56 institutions headquartered in Alabama
$30
U.S.
2,605 institutions in the index
$30
Florence 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.
22 institutions, 11 with a published overdraft fee.
Bank · based in Sheffield, AL · 4 branches here
Account not yet known
“We will charge an NSF/Overdraft fee of $36 for each presentment that overdraws your account”
Bank · based in Muscle Shoals, AL · 4 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 Sheffield, AL · 4 branches here
Account not yet known
“Overdraft Fee of $32 per item paid”
Credit union, membership rules apply · based in Muscle Shoals, AL · 3 branches here
Bank · based in Florence, AL · 2 branches here
Bank · based in Birmingham, AL · 2 branches here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Russellville, AL · 2 branches here
Account not yet known
“Overdraft Fee/Return Item Fee | $33.97”
Bank · based in Wilmington, DE · 2 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Credit union, membership rules apply · based in Birmingham, AL · 2 branches here
Credit union, membership rules apply · based in Florence, AL · 2 branches here
Largest banks by local bank deposits
Share of the $2.1 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Lauderdale County
Deposits and branches cover the City of Florence. Population and income cover Lauderdale County, the county with most of Florence'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 Lauderdale County.
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