16 banks and credit unions have branches in Lutz. The Bank Fee Index holds published fees for 15 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Florida
Lutz counts institutions with a branch here, wherever headquartered. Florida counts institutions headquartered in the state.
Lutz
10 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 Lutz median sits furthest from Florida's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Lutz 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
Lutz
13 institutions with a branch here
$35
Florida
71 institutions headquartered in Florida
$30
U.S.
2,605 institutions in the index
$30
Lutz 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.
16 institutions, 13 with a published overdraft fee.
Bank · based in Columbus, OH · 3 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Charlotte, NC · 3 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 Cincinnati, OH · 2 branches here
Account not yet known
“If Overdraft Coverage is used, the per item fee for each overdraft is $37 per item.”
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 Dade City, FL · 1 branch here
Bank · based in Conway, AR · 1 branch here
Account not yet known
“Overdraft Fee* $35.00 per paid item”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“$35 fee per overdraft”
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 Wesley Chapel, FL · 1 branch here
Account not yet known
“Courtesy Pay | $35.00”
Largest banks by local bank deposits
Share of the $1.3 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Pasco County
Deposits and branches cover the City of Lutz. Population and income cover Pasco County, the county with most of Lutz'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 Pasco County.
Work at a bank or credit union here?
Hamilton, the Fee Insight workspace, sets an institution's own fees beside every institution in this market, with the source for each figure.
Choosing an account?
Open any institution above to see all of its published fees and where each one came from.
Search institutions