27 banks and credit unions have branches in the Lakeland-Winter Haven metro area. The Bank Fee Index holds published fees for 24 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Florida
Lakeland-Winter Haven metro counts institutions with a branch here, wherever headquartered. Florida counts institutions headquartered in the state.
Lakeland-Winter Haven metro
12 institutions with a branch here
$5
Florida
73 institutions headquartered in Florida
$10
U.S.
2,744 institutions in the index
$10
Chosen as the fee whose Lakeland-Winter Haven metro median sits furthest from Florida's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Lakeland-Winter Haven 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
Lakeland-Winter Haven metro
20 institutions with a branch here
$34.50
Florida
71 institutions headquartered in Florida
$30
U.S.
2,605 institutions in the index
$30
Lakeland-Winter Haven 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.
27 institutions, 20 with a published overdraft fee.
Credit union, membership rules apply · based in Lakeland, FL · 17 branches here
Bank · based in Frostproof, FL · 13 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 Charlotte, NC · 12 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 Sioux Falls, SD · 12 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”
Bank · based in Winter Haven, FL · 10 branches 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 · 6 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Columbus, OH · 5 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Cincinnati, OH · 4 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 Lakeland, FL · 3 branches here
Bank · based in Birmingham, AL · 3 branches here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Largest banks by local bank deposits
Share of the $16.5 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Lakeland-Winter Haven metro's counties
Deposits and branches cover the Lakeland-Winter Haven 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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