28 banks and credit unions have branches in the Panama City-Panama City Beach metro area. The Bank Fee Index holds published fees for 23 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Florida
Panama City-Panama City Beach metro counts institutions with a branch here, wherever headquartered. Florida counts institutions headquartered in the state.
Panama City-Panama City Beach metro
14 institutions with a branch here
$5
Florida
73 institutions headquartered in Florida
$10
U.S.
2,744 institutions in the index
$10
Chosen as the fee whose Panama City-Panama City Beach metro median sits furthest from Florida's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Panama City-Panama City Beach metro with Florida 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 $37.
Median published overdraft fee
Panama City-Panama City Beach metro
19 institutions with a branch here
$35
Florida
72 institutions headquartered in Florida
$30
U.S.
2,605 institutions in the index
$30
Panama City-Panama City Beach metro covers every institution with a branch here, wherever it is headquartered. Florida covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
28 institutions, 19 with a published overdraft fee.
Bank · based in Birmingham, AL · 10 branches here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Credit union, membership rules apply · based in Panama City, FL · 9 branches here
Account not yet known
“Overdraft at ATM … $30.00”
Bank · based in Jackson, MS · 7 branches here
Account not yet known
“• Personal | $36.00”
Credit union, membership rules apply · based in Panama City, FL · 6 branches here
Account not yet known
“Courtesy Pay3 $25.00 per item”
Bank · based in Conway, AR · 5 branches here
Account not yet known
“Overdraft Fee* $35.00 per paid item”
Bank · based in Colquitt, GA · 5 branches here
Account not yet known
“$ 30.00 Overdraft fee (each item presented, including representment)”
Credit union, membership rules apply · based in Panama City, FL · 5 branches here
Account not yet known
“Courtesy Pay fee (Paid NSF Fee*): | $20.00 per presentment (maximum 5 per day) [1] [2]”
Bank · based in Sioux Falls, SD · 4 branches 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 Tallahassee, FL · 4 branches here
Account not yet known
“Overdraft Item Fee* | $35”
Bank · based in Gulfport, MS · 3 branches here
Account not yet known
“We may charge you a fee of $36.00 each time we pay an overdraft.”
Largest banks by local bank deposits
Share of the $5.1 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Panama City-Panama City Beach metro's counties
Deposits and branches cover the Panama City-Panama City Beach 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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