91 banks and credit unions have branches in the Memphis metro area. The Bank Fee Index holds published fees for 50 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Arkansas
Memphis metro counts institutions with a branch here, wherever headquartered. Arkansas counts institutions headquartered in the state.
Memphis metro
20 institutions with a branch here
$2.13
Arkansas
19 institutions headquartered in Arkansas
$1
U.S.
1,651 institutions in the index
$1.50
Chosen as the fee whose Memphis metro median sits furthest from Arkansas's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Memphis metro with Arkansas 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 $10 to $36.
Median published overdraft fee
Memphis metro
37 institutions with a branch here
$32
Arkansas
42 institutions headquartered in Arkansas
$30
U.S.
2,605 institutions in the index
$30
Memphis metro covers every institution with a branch here, wherever it is headquartered. Arkansas covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
91 institutions, 37 with a published overdraft fee.
Bank · based in Birmingham, AL · 40 branches here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Memphis, TN · 32 branches here
Account not yet known
“Overdraft fee on checks, ACH debits | $35”
Bank · based in Columbus, OH · 23 branches here
Account not yet known
“Overdraft Fee | $15.00 Per overdraft item. No overdraft fees unless final account”
Bank · based in Jackson, MS · 20 branches here
Account not yet known
“• Personal | $36.00”
Bank · based in Charlotte, NC · 17 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.”
Credit union, membership rules apply · based in Bartlett, TN · 13 branches here
Bank · based in Tupelo, MS · 12 branches here
Bank · based in Charlotte, NC · 11 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Lawton, OK · 11 branches here
Account not yet known
“Each overdrawn item paid or returned will be subject to the Bank’s current overdraft fee of $20.00 or return item fee of $20.00, as applicable, and the fees will be included in the”
Credit union, membership rules apply · based in Memphis, TN · 11 branches here
Account not yet known
“Paid item drawn on your Orion account (applies to debit/ATM overdrafts if opted into Debit Overdraft Protection and all other overdraft items unless opted out of Courtesy Pay) | $3”
Largest banks by local bank deposits
Share of the $46.3 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Memphis metro's counties
Deposits and branches cover the Memphis 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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