16 banks and credit unions have branches in the Gadsden metro area. The Bank Fee Index holds published fees for 11 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Alabama
Gadsden metro counts institutions with a branch here, wherever headquartered. Alabama counts institutions headquartered in the state.
Gadsden metro
6 institutions with a branch here
$2.25
Alabama
30 institutions headquartered in Alabama
$1
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Gadsden metro median sits furthest from Alabama's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Gadsden 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 $15 to $36.
Median published overdraft fee
Gadsden metro
9 institutions with a branch here
$30
Alabama
56 institutions headquartered in Alabama
$30
U.S.
2,605 institutions in the index
$30
Gadsden 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.
16 institutions, 9 with a published overdraft fee.
Bank · based in Altoona, AL · 5 branches here
Bank · based in Birmingham, AL · 4 branches here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Credit union, membership rules apply · based in Rainbow City, AL · 3 branches here
Account not yet known
“Overdraft Privilege Fee | $30.00”
Credit union, membership rules apply · based in Gadsden, AL · 3 branches here
Account not yet known
“Overdraft Fee (Includes Privilege Plus Protection) $30.00”
Bank · based in Wilmington, DE · 2 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Cullman, AL · 2 branches here
Account not yet known
“Overdraft Paid Item Fee* (per item) | $22”
Credit union, membership rules apply · based in Gadsden, AL · 2 branches here
Account not yet known
“Overdraft … $20/item”
Bank · based in Prattville, AL · 1 branch here
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 Pell City, AL · 1 branch here
Largest banks by local bank deposits
Share of the $1.5 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Gadsden metro's counties
Deposits and branches cover the Gadsden 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
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 the metro's counties.
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