25 banks and credit unions have branches in Madison. The Bank Fee Index holds published fees for 23 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Alabama
Madison counts institutions with a branch here, wherever headquartered. Alabama counts institutions headquartered in the state.
Madison
13 institutions with a branch here
$0
Alabama
58 institutions headquartered in Alabama
$30
U.S.
2,858 institutions in the index
$30
Chosen as the fee whose Madison median sits furthest from Alabama's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Madison 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 $37.
Median published overdraft fee
Madison
19 institutions with a branch here
$35
Alabama
56 institutions headquartered in Alabama
$30
U.S.
2,605 institutions in the index
$30
Madison 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.
25 institutions, 19 with a published overdraft fee.
Credit union, membership rules apply · based in Huntsville, AL · 5 branches here
Account not yet known
“Overdraft Fee2 (item paid) $25 per presentment”
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 · 2 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Columbus, OH · 2 branches here
Account not yet known
“Overdraft Fee | $15.00 Per overdraft item. No overdraft fees unless final account”
Bank · based in Sheffield, AL · 2 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 Charlotte, NC · 2 branches here
Account not yet known
“• Truist will charge you an Overdraft Fee, if applicable, of $36 each time we pay an overdraft on your behalf.”
Bank · based in Columbus, OH · 2 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Credit union, membership rules apply · based in Tuscaloosa, AL · 2 branches here
Credit union, membership rules apply · based in Decatur, AL · 2 branches here
Account not yet known
“NSF/Overdraft (ACH, Checks, Bill Pay, etc.) … $27.00 per item *”
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”
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.
County context: Madison County
Deposits and branches cover the City of Madison. Population and income cover Madison County, the county with most of Madison'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 Madison County.
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