6 banks and credit unions have branches in Bartow. 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 Florida
Bartow counts institutions with a branch here, wherever headquartered. Florida counts institutions headquartered in the state.
Bartow
5 institutions with a branch here
$2.50
Florida
62 institutions headquartered in Florida
$2
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Bartow median sits furthest from Florida's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Bartow with Florida and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Four published overdraft fees: $34–$36.
Medians for reference: Florida $30 · U.S. $30
Local median not shown; five institutions required.
6 institutions, 4 with a published overdraft fee.
Bank · based in Frostproof, FL · 1 branch here
Account not yet known
“(5) Overdraft Item Fee of $34 per item paid/returned. CONSUMERS ONLY: A maximum of $204 per account/day in fees for paid/returned overdraft items. Accounts will not be charged for”
Bank · based in Winter Haven, FL · 1 branch here
Account not yet known
“| Overdraft Paid Item Fee (Checks paid in numerical order on day received. An overdraft item may be created by check/draft, in-person withdrawal, ACH item or other electronic means”
Bank · based in Charlotte, NC · 1 branch 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 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”
Credit union, membership rules apply · based in Lakeland, FL · 1 branch here
Credit union, membership rules apply · based in Mclean, VA · 1 branch here
Largest banks by local bank deposits
Share of the $494 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Polk County
Deposits and branches cover the City of Bartow. Population and income cover Polk County, the county with most of Bartow'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 Polk County.
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