6 banks and credit unions have branches in Lake Wales. The Bank Fee Index holds published fees for 6 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Florida
Lake Wales counts institutions with a branch here, wherever headquartered. Florida counts institutions headquartered in the state.
Lake Wales
5 institutions with a branch here
$12
Florida
58 institutions headquartered in Florida
$7.50
U.S.
1,903 institutions in the index
$7
Chosen as the fee whose Lake Wales median sits furthest from Florida's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Lake Wales 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
Lake Wales
5 institutions with a branch here
$35
Florida
71 institutions headquartered in Florida
$30
U.S.
2,605 institutions in the index
$30
Lake Wales 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.
6 institutions, 5 with a published overdraft fee.
Bank · based in Frostproof, FL · 2 branches here
Account not yet known
“(5) Overdraft Item Fee of $34 per item paid/returned. CONSUMERS ONLY: A maximum of $204 per account/day in fees for paid/returned overdraft items. Accounts will not be charged for”
Bank · based in Winter Haven, FL · 1 branch here
Account not yet known
“| Overdraft Paid Item Fee (Checks paid in numerical order on day received. An overdraft item may be created by check/draft, in-person withdrawal, ACH item or other electronic means”
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 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”
Credit union, membership rules apply · based in Lakeland, FL · 1 branch here
Largest banks by local bank deposits
Share of the $642 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Polk County
Deposits and branches cover the City of Lake Wales. Population and income cover Polk County, the county with most of Lake Wales'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 Polk County.
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