28 banks and credit unions have branches in the Gainesville metro area. The Bank Fee Index holds published fees for 26 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Florida
Gainesville metro counts institutions with a branch here, wherever headquartered. Florida counts institutions headquartered in the state.
Gainesville metro
15 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 Gainesville metro median sits furthest from Florida's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Gainesville 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 $10 to $40.
Median published overdraft fee
Gainesville metro
18 institutions with a branch here
$35
Florida
71 institutions headquartered in Florida
$30
U.S.
2,605 institutions in the index
$30
Gainesville 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, 18 with a published overdraft fee.
Bank · based in Tallahassee, FL · 15 branches here
Account not yet known
“Overdraft Item Fee* | $35”
Credit union, membership rules apply · based in Gainesville, FL · 10 branches here
Account not yet known
“CAMPUS Courtesy Pay (Checks and ACH) | $35.00”
Bank · based in Stuart, FL · 7 branches here
Account not yet known
“Non-Sufficient Funds/Overdrafts (For each item)5 $ 35.00”
Bank · based in Atlanta, GA · 7 branches here
Account not yet known
“Overdraft Fee4 | $35.00”
Credit union, membership rules apply · based in Gainesville, FL · 7 branches here
Credit union, membership rules apply · based in Gainesville, FL · 7 branches here
Account not yet known
“Non-Sufficient Funds (NSF) / Courtesy Pay Fees*:share draft or electronic item (each) … $40.00Replace Visa Debit Card …”
Bank · based in Sioux Falls, SD · 5 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 Charlotte, NC · 5 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Charlotte, NC · 5 branches 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 · 5 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Largest banks by local bank deposits
Share of the $6.5 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Gainesville metro's counties
Deposits and branches cover the Gainesville 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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