6 banks and credit unions have branches in Neptune Beach. The Bank Fee Index holds published fees for 6 of them.
The count includes institutions based elsewhere that have a branch here.
Compared with Florida
Where a fee has enough institutions for a local median, the Neptune Beach median is within 10% of the Florida median on all 1 fee.
Neptune Beach counts institutions with a branch here, wherever headquartered. Florida counts institutions headquartered in the state.
Pick a fee to compare Neptune Beach with Florida and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Four published overdraft fees: $10–$36.
Medians for reference: Florida $30 · U.S. $30
Local median not shown; five institutions required.
6 institutions, 4 with a published overdraft fee.
Credit union, membership rules apply · based in Jacksonville, FL · 2 branches here
Bank · based in Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Birmingham, AL · 1 branch here
Account not yet known
“Paid Overdraft Item/Returned Item Fee3 … $36.00”
Bank · based in Atlanta, GA · 1 branch here
Account not yet known
“Overdraft Fee4 | $35.00”
Credit union, membership rules apply · based in Jacksonville, FL · 1 branch here
Largest banks by local bank deposits
Share of the $386 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Duval County
Deposits and branches cover the City of Neptune Beach. Population and income cover Duval County, the county with most of Neptune Beach'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 Duval County.
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