7 banks and credit unions have branches in Spanish Fort. The Bank Fee Index holds published fees for 7 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Alabama
Spanish Fort counts institutions with a branch here, wherever headquartered. Alabama counts institutions headquartered in the state.
Spanish Fort
5 institutions with a branch here
$12
Alabama
40 institutions headquartered in Alabama
$7.98
U.S.
1,904 institutions in the index
$6.99
Chosen as the fee whose Spanish Fort median sits furthest from Alabama's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Spanish Fort 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
Spanish Fort
6 institutions with a branch here
$32.50
Alabama
56 institutions headquartered in Alabama
$30
U.S.
2,605 institutions in the index
$30
Spanish Fort 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.
7 institutions, 6 with a published overdraft fee.
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Birmingham, AL · 1 branch here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Tupelo, MS · 1 branch here
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“Overdraft Fee | $15.00 Per overdraft item. No overdraft fees unless final account”
Bank · based in Jackson, MS · 1 branch here
Account not yet known
“• Personal | $36.00”
Credit union, membership rules apply · based in Pensacola, FL · 1 branch here
Account not yet known
“Courtesy Pay/CRTSY PAY (up to 4 per day) $29.00”
Credit union, membership rules apply · based in Panama City, FL · 1 branch here
Account not yet known
“Courtesy Pay fee (Paid NSF Fee*): | $20.00 per presentment (maximum 5 per day) [1] [2]”
Largest banks by local bank deposits
Share of the $323 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Baldwin County
Deposits and branches cover the City of Spanish Fort. Population and income cover Baldwin County, the county with most of Spanish Fort'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 Baldwin County.
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