13 banks and credit unions have branches in Fernandina Beach. The Bank Fee Index holds published fees for 12 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Florida
Fernandina Beach counts institutions with a branch here, wherever headquartered. Florida counts institutions headquartered in the state.
Fernandina Beach
7 institutions with a branch here
$5
Florida
73 institutions headquartered in Florida
$10
U.S.
2,745 institutions in the index
$10
Chosen as the fee whose Fernandina Beach median sits furthest from Florida's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Fernandina Beach 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 $10 to $37.
Median published overdraft fee
Fernandina Beach
10 institutions with a branch here
$35
Florida
72 institutions headquartered in Florida
$30
U.S.
2,603 institutions in the index
$30
Fernandina Beach 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.
13 institutions, 10 with a published overdraft fee.
Bank · based in Charlotte, NC · 2 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Wilmington, DE · 2 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Credit union, membership rules apply · based in Fernandina Beach, FL · 2 branches here
Credit union, membership rules apply · based in Jacksonville, FL · 2 branches here
Bank · based in Lake City, FL · 1 branch here
Account not yet known
“NSF Paid Item Fee | $37 Per Item1”
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 Blackshear, GA · 1 branch here
Account not yet known
“Overdraft Fee (each) (Paid Item) | $35.00 Overdraft fees may be imposed on this account for overdrafts created by checks, ACH, point of sale, ATM withdrawals, In-person withdrawals”
Bank · based in Birmingham, AL · 1 branch here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Nashville, TN · 1 branch here
Account not yet known
“Paid Item Fee | $30.00 per item”
Bank · based in Bainbridge, GA · 1 branch here
Account not yet known
“Overdraft fee* … .. … ..$32.00”
Largest banks by local bank deposits
Share of the $1.2 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Nassau County
Deposits and branches cover the City of Fernandina Beach. Population and income cover Nassau County, the county with most of Fernandina Beach'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 Nassau County.
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