8 banks and credit unions have branches in Cocoa. The Bank Fee Index holds published fees for 7 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Florida
Cocoa counts institutions with a branch here, wherever headquartered. Florida counts institutions headquartered in the state.
Cocoa
5 institutions with a branch here
$12
Florida
58 institutions headquartered in Florida
$7.50
U.S.
1,904 institutions in the index
$7
Chosen as the fee whose Cocoa median sits furthest from Florida's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Cocoa 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 $36.
Median published overdraft fee
Cocoa
6 institutions with a branch here
$34.50
Florida
71 institutions headquartered in Florida
$30
U.S.
2,605 institutions in the index
$30
Cocoa 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.
8 institutions, 6 with a published overdraft fee.
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 Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
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 Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Merritt Island, FL · 1 branch here
Credit union, membership rules apply · based in Rockledge, FL · 1 branch here
Account not yet known
“Overdraft Privilege Fee | $30.00”
Credit union, membership rules apply · based in Merritt Island, FL · 1 branch here
Credit union, membership rules apply · based in Melbourne, FL · 1 branch here
Account not yet known
“Overdraft Privilege (Per item paid)* | $30”
Largest banks by local bank deposits
Share of the $511 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Brevard County
Deposits and branches cover the City of Cocoa. Population and income cover Brevard County, the county with most of Cocoa'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 Brevard County.
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