26 banks and credit unions have branches in the Palm Bay-Melbourne-Titusville metro area. The Bank Fee Index holds published fees for 23 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Florida
Palm Bay-Melbourne-Titusville metro counts institutions with a branch here, wherever headquartered. Florida counts institutions headquartered in the state.
Palm Bay-Melbourne-Titusville metro
13 institutions with a branch here
$15
Florida
80 institutions headquartered in Florida
$30
U.S.
2,857 institutions in the index
$30
Chosen as the fee whose Palm Bay-Melbourne-Titusville metro median sits furthest from Florida's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Palm Bay-Melbourne-Titusville 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 $37.
Median published overdraft fee
Palm Bay-Melbourne-Titusville metro
20 institutions with a branch here
$35
Florida
71 institutions headquartered in Florida
$30
U.S.
2,605 institutions in the index
$30
Palm Bay-Melbourne-Titusville 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.
26 institutions, 20 with a published overdraft fee.
Credit union, membership rules apply · based in Melbourne, FL · 22 branches here
Account not yet known
“Overdraft Privilege (Per item paid)* | $30”
Bank · based in Charlotte, NC · 15 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 · 12 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Sioux Falls, SD · 11 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”
Credit union, membership rules apply · based in Merritt Island, FL · 11 branches here
Bank · based in Charlotte, NC · 9 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Wilmington, DE · 9 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Credit union, membership rules apply · based in Rockledge, FL · 8 branches here
Account not yet known
“Overdraft Privilege Fee | $30.00”
Bank · based in Wilmington, DE · 7 branches here
Account not yet known
“$35 fee per overdraft”
Bank · based in Birmingham, AL · 6 branches here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Largest banks by local bank deposits
Share of the $11.5 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Palm Bay-Melbourne-Titusville metro's counties
Deposits and branches cover the Palm Bay-Melbourne-Titusville 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
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 the metro's counties.
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