22 banks and credit unions have branches in the Decatur 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
Decatur metro counts institutions with a branch here, wherever headquartered. Alabama counts institutions headquartered in the state.
Decatur metro
11 institutions with a branch here
$10
Alabama
58 institutions headquartered in Alabama
$30
U.S.
2,857 institutions in the index
$30
Chosen as the fee whose Decatur metro median sits furthest from Alabama's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Decatur 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
Decatur metro
13 institutions with a branch here
$33.97
Alabama
56 institutions headquartered in Alabama
$30
U.S.
2,605 institutions in the index
$30
Decatur 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.
22 institutions, 13 with a published overdraft fee.
Credit union, membership rules apply · based in Decatur, AL · 8 branches here
Account not yet known
“NSF/Overdraft (ACH, Checks, Bill Pay, etc.) … $27.00 per item *”
Bank · based in Sheffield, AL · 7 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 Huntsville, AL · 6 branches here
Account not yet known
“Overdraft Fee2 (item paid) $25 per presentment”
Bank · based in Cullman, AL · 5 branches here
Account not yet known
“Overdraft Paid Item Fee* (per item) | $22”
Bank · based in Birmingham, AL · 4 branches here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Russellville, AL · 4 branches here
Account not yet known
“Overdraft Fee/Return Item Fee | $33.97”
Bank · based in Tupelo, MS · 3 branches here
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 Courtland, AL · 3 branches here
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”
Largest banks by local bank deposits
Share of the $3.3 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Decatur metro's counties
Deposits and branches cover the Decatur 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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