6 banks and credit unions have branches in Miami Gardens. 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
Miami Gardens counts institutions with a branch here, wherever headquartered. Florida counts institutions headquartered in the state.
Miami Gardens
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 Miami Gardens median sits furthest from Florida's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Miami Gardens 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 $30 to $36.
Median published overdraft fee
Miami Gardens
5 institutions with a branch here
$35
Florida
71 institutions headquartered in Florida
$30
U.S.
2,605 institutions in the index
$30
Miami Gardens 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 Wilmington, DE · 3 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Credit union, membership rules apply · based in Sweetwater, FL · 2 branches here
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
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.”
Credit union, membership rules apply · based in Melbourne, FL · 1 branch here
Account not yet known
“Overdraft Privilege (Per item paid)* | $30”
Largest banks by local bank deposits
Share of the $355 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Miami-Dade County
Deposits and branches cover the City of Miami Gardens. Population and income cover Miami-Dade County, the county with most of Miami Gardens'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 Miami-Dade County.
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