7 banks and credit unions have branches in Troy. The Bank Fee Index holds published fees for 6 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Alabama
Troy counts institutions with a branch here, wherever headquartered. Alabama counts institutions headquartered in the state.
Troy
5 institutions with a branch here
$5
Alabama
56 institutions headquartered in Alabama
$10
U.S.
2,744 institutions in the index
$10
Chosen as the fee whose Troy median sits furthest from Alabama's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Troy 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 $26 to $36.
Median published overdraft fee
Troy
6 institutions with a branch here
$32.50
Alabama
56 institutions headquartered in Alabama
$30
U.S.
2,605 institutions in the index
$30
Troy 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 Troy, AL · 3 branches here
Bank · based in Birmingham, AL · 1 branch here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
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 Selma, AL · 1 branch here
Account not yet known
“Non-Sufficient/Overdraft (per presentment) * $33.00”
Credit union, membership rules apply · based in Daleville, AL · 1 branch here
Account not yet known
“Non-Sufficient Funds/Overdraft / $28.00”
Credit union, membership rules apply · based in Prattville, AL · 1 branch here
Account not yet known
“Courtesy Pay | $26.00/item”
Credit union, membership rules apply · based in Montgomery, AL · 1 branch here
Account not yet known
“Fees and charges. The following fees and charges may be assessed against your account: (a.) Statement copies - $2.00 per statement; (b.) Check overdraft - $32.00 per draft; (c.) Co”
Largest banks by local bank deposits
Share of the $1.1 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Pike County
Deposits and branches cover the City of Troy. Population and income cover Pike County, the county with most of Troy'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 Pike County.
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