7 banks and credit unions have branches in Chipley. 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
Chipley counts institutions with a branch here, wherever headquartered. Florida counts institutions headquartered in the state.
Chipley
5 institutions with a branch here
$3
Florida
62 institutions headquartered in Florida
$2
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Chipley median sits furthest from Florida's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Chipley 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 $30 to $37.
Median published overdraft fee
Chipley
6 institutions with a branch here
$35
Florida
71 institutions headquartered in Florida
$30
U.S.
2,605 institutions in the index
$30
Chipley 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.
7 institutions, 6 with a published overdraft fee.
Credit union, membership rules apply · based in Chipley, FL · 2 branches here
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 Birmingham, AL · 1 branch here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Lake City, FL · 1 branch here
Account not yet known
“NSF Paid Item Fee | $37 Per Item1”
Bank · based in Colquitt, GA · 1 branch here
Account not yet known
“$ 30.00 Overdraft fee (each item presented, including representment)”
Bank · based in Tallahassee, FL · 1 branch here
Account not yet known
“Overdraft Item Fee* | $35”
Credit union, membership rules apply · based in Panama City, FL · 1 branch here
Account not yet known
“Overdraft at ATM … $30.00”
Largest banks by local bank deposits
Share of the $366 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Washington County
Deposits and branches cover the City of Chipley. Population and income cover Washington County, the county with most of Chipley'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 Washington County.
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