11 banks and credit unions have branches in Gulf Breeze. The Bank Fee Index holds published fees for 10 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Florida
Gulf Breeze counts institutions with a branch here, wherever headquartered. Florida counts institutions headquartered in the state.
Gulf Breeze
6 institutions with a branch here
$14.50
Florida
80 institutions headquartered in Florida
$30
U.S.
2,857 institutions in the index
$30
Chosen as the fee whose Gulf Breeze median sits furthest from Florida's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Gulf Breeze 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 $36.
Median published overdraft fee
Gulf Breeze
10 institutions with a branch here
$32.50
Florida
71 institutions headquartered in Florida
$30
U.S.
2,605 institutions in the index
$30
Gulf Breeze 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.
11 institutions, 10 with a published overdraft fee.
Bank · based in Birmingham, AL · 2 branches here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Gulfport, MS · 1 branch here
Account not yet known
“We may charge you a fee of $36.00 each time we pay an overdraft.”
Bank · based in Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
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 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 Nashville, TN · 1 branch here
Account not yet known
“Paid Item Fee | $30.00 per item”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Credit union, membership rules apply · based in Pensacola, FL · 1 branch here
Account not yet known
“Overdraft Privilege Fee | $29.50 per item”
Credit union, membership rules apply · based in Vienna, VA · 1 branch here
Account not yet known
“†Standard Practices and Fees: We will charge a fee of $20 each time we pay an overdraft”
Credit union, membership rules apply · based in Pensacola, FL · 1 branch here
Account not yet known
“Courtesy Pay/CRTSY PAY (up to 4 per day) $29.00”
Largest banks by local bank deposits
Share of the $771 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Santa Rosa County
Deposits and branches cover the City of Gulf Breeze. Population and income cover Santa Rosa County, the county with most of Gulf Breeze'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 Santa Rosa County.
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